WHEN YOUR SITUATION IS COMPLEX
YOU NEED CLARITY.
Specialist mortgage advice in Cardiff when your situation isn’t straightforward
Experienced support when your income, credit, or property isn’t straightforward — with clear, honest advice.
⭐ 5-star rated · Free · No obligation . 15–30 minute call
Specialist Mortgage Advice Cardiff: Tailored Solutions Your Unique Needs.
Don’t let conventional lending rules limit your property aspirations. Our specialist mortgage advice Cardiff service unlocks tailored financing solutions designed for complex or unique financial profiles that standard lenders may decline. We offer clarity, guidance and hands-on support at every stage to help you secure the most suitable deal.
We specialise in navigating the complexities of:
Bad Credit Mortgages – Solutions for clients with past credit challenges, county court judgments (CCJs) or defaults.
Self-Employed Mortgages – Tailored financing for contractors, freelancers and limited company directors with non-standard income proofs.
Buy-to-Let Mortgages – Financing for property investors, including portfolio landlords.
Self-Build Mortgages – Staged funding for individuals constructing their own home.
Equity Release Schemes – Options for homeowners to unlock tax-free cash from their property in later life.
By choosing our specialist mortgage advice Cardiff service, you gain access to a wide panel of lenders, clear explanations of your options, and full support with paperwork from start to finish. Our goal is to make the process simple, transparent and tailored to your individual circumstances.
Specialist Mortgage Advice in Cardiff.
We help clients with complex financial circumstances secure mortgages that standard lenders often decline — with clear advice and hands-on support from start to finish.
We specialise in:
✔ Bad credit mortgages (CCJs, defaults)
✔ Self-employed & contractor mortgages
✔ Limited company director income
✔ Buy-to-let & portfolio landlords
✔ Self-build & complex cases
Every case is different — and so is our advice.
Self-Employed Solutions
Offering flexible options for freelancers and business owners to secure their mortgage with ease.
Adverse Credit Mortgages
Specialist options for those with a less-than-perfect credit history. We guide you through suitable choices.
Contractor Mortgages
Specialist support for contractors on fixed-term or day-rate contracts. As a mortgage advisor in Cardiff and South Wales, we help present your income clearly to lenders who understand contractor arrangements.
Buy-to-Let Mortgages
Designed for landlords looking to invest. We offer insights to help you maximise your rental returns effectively.
What Our Clients Say
Real experiences from people we’ve helped secure the right mortgage.
Book Your Free Specialist Consultation
Get personalised mortgage advice tailored to your needs. Discover your options and take the first step towards homeownership or investment with confidence.
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Frequently Asked Questions
Your questions about mortgages answered here.
What is a specialist mortgage?
A specialist mortgage is designed for people whose circumstances don’t fit standard lending criteria. This can include self-employed applicants, those with non-standard income, adverse credit history, or complex property types. Specialist lenders assess applications more flexibly based on individual circumstances.
Can I get a mortgage if I’m self-employed or a contractor?
Yes, many lenders offer mortgages for self-employed applicants and contractors. The key is presenting your income correctly, whether that’s through accounts, SA302s, or day-rate contracts. We help assess the best options based on how your income is structured.
Is it possible to get a mortgage with bad or adverse credit?
In many cases, yes. Even if you’ve had CCJs, defaults, or missed payments in the past, there may be lenders willing to consider your application. This depends on factors such as how recent the issues were and your current financial position.
What documents will I need to apply for a specialist mortgage?
This varies depending on your circumstances, but commonly includes proof of income, bank statements, identification, and details of any credit history issues. We’ll explain exactly what’s needed after your initial consultation and guide you through the process step by step.
How long does a specialist mortgage application take?
Timescales can vary depending on the complexity of the case and the lender involved. Some applications progress quickly, while others require additional checks. We’ll keep you informed at every stage so you know what to expect.
Do you charge a fee for specialist mortgage advice?
We offer an initial consultation at no obligation. Any fees for mortgage advice will be explained clearly upfront before you proceed, so you can make an informed decision with no surprises.
Book Your Free Specialist Consultation
Get clear, personalised mortgage advice tailored to your circumstances — with no obligation to proceed.