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Trusted Mortgage Advisors & Brokers

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Mortgages With Us

Our mortgage brokers are here to help you buy your dream home

Our Mortgage Advisors offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender. This means that we do the research for you and secure you the best, most appropriate mortgage deal for you. Researching the market and finding the best mortgage yourself can be a huge headache, let our financial advisors manage the whole mortgage process for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage advice

Mortgage Advice

We can also help if your circumstances are not straightforward. We can assist with self-employed mortgages and help clients who have experienced credit problems in the past. 

Our mortgage advisors in Cardiff use their extensive knowledge and experience to ensure no matter what your circumstances are, if it’s feasible, we can help!

There are many different types of mortgages, our mortgage advisors use the best available mortgage calculators, so you can rest easy knowing you'll be getting the best possible deal that is available to you. 

Whatever your needs and circumstances our financial advisers are here to help.
cardiff mortgage broker
Mortgage Questions

Common questions people ask before deciding to buy a house

• How long does a mortgage application take?

• How long does it take to sell a house from offer to completion?

• How can I save for a house?

Our Cardiff Mortgage team have extensive experience collected over the past 15 years and will help you with any mortgage enquiry so please contact us for a no obligation mortgage consultation; we are here to help.
Eligibility – You may not consider yourself eligible for a mortgage application or you choose not to apply because of bad credit or CCJ’s.

We can help answer the following questions:

• Can you get a mortgage on benefits?
• Mortgages for self employed?
• What is a good credit score UK?
Mortgage questions

COMMON QUESTIONS PEOPLE ASK BEFORE DECIDING TO BUY A HOUSE

There are many different types of mortgages so whatever your needs and circumstances our financial advisers in Cardiff can help find you the perfect mortgage to suit you;

Frequently asked questions from previous clients:

• Financial Planning – how much am I going to need for my deposit?

• Gifting money for house deposit – I wish to gift a sum to my children for their first deposit, how much can I gift them?

• Is there a difference in the mortgage for a new build home?

• Estate Planning - Am I able to pass my home to my children?

• What is involved with new build properties?

• How does a mortgage loan work?

In order to answer these questions, we will conduct a comprehensive “fact find” with you so that we can advise you fully as to your best options given your personal circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.
cardiff pension advice
First time buyer

First Time Buyer Mortgage

Buying your first home is possibly the biggest purchase you will ever likely make. It is a huge milestone in anyone’s life, and we are here to help you through the journey. 

Our financial brokers offer clear, straightforward advice to help you understand the purchasing process from beginning to end. 

We will always ensure you get the most appropriate mortgage for you, and that it is affordable to you.

 We understand that buying your first home can be daunting, and so we commit to helping you through the entire process from beginning to end. From selecting the right lender to finding the right home insurance product.
Mortgage questions

Re-Mortgaging Your House?

If your current deal is coming to an end, it is very important to seek a new deal, especially in today’s economic uncertain climate. 

Not only will you likely be paying more to your existing lender if you do nothing, but you may also be at risk of paying, even more, should interest rates rise. 

We can help find the most suitable new deal for you from a representative of the market before your existing deal ends.
mortgage-rwb
cardiff pension advice
buy-to-let advice

Buy-To-Let Mortgages

Whether you’re a professional landlord or looking to buy your first investment property, our mortgage advisors in Cardiff can help find the right deal for you. 

We can offer various mortgages from standard buy to let,  access to commercial letting and houses of multiple occupancy. 

We can also advise you on the most tax-efficient way for you to proceed. 

Your home may be repossessed if you do not keep up repayments on your mortgage.

Commercial and some buy to let mortgages are not regulated by the Financial Conduct Authority.

Commercial mortgages involve the referral to a service that is separate and distinct to those offered by St. James's Place.
Loans & Advances

Further Advance / Home Loan?

If moving home is not for you but you would like to improve or extend your current property, our mortgage advisors in Cardiff can help you borrow more from your existing lender. 

It’s not just home improvements that may lead you to need to borrow more against your existing property though. 

We can also help if you need to borrow more for other reasons, such as to purchase a second property for example. 

RWB Wealth Management can advise on a Further Advance and other options that are available, we will only advise you on a Further Advance if it is appropriate for your needs.
cardiff pension advice

Financial Advisors South Wales

Would you prefer to work with a local business? Our financial advisors in Cardiff will be happy to help you with any type of financial enquiry. 

We provide investment planning advice and financial services to South Wales area and well beyond.

Click here to talk to our Mortgage Advisors Cardiff

Click here to talk to our Mortgage Advisors Newport

Have any questions?
Want to know a little more?

We’re here to help you with any of your questions. If you’d like to contact us or have a query, please fill in our form and we’ll get back to you.
The Partner together with St. James's Place plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner's Privacy Policy or the St. James's Place Privacy Policy.
You can send us a message or call us at:
T: 02920263360
E: [email protected]
RWB Wealth Ltd, Regus House, Malthouse Avenue, Cardiff Gate Business Park, Cardiff, CF23 8RU
SJP Approved
24/09/2024
RWB Wealth Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group’s wealth management products and services, more details of which are set out on the Group’s website www.sjp.co.uk/products. The ‘St. James's Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James's Place representatives.

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