First-time buyer mortgage in Cardiff
First-time-buyer brokers know every government scheme, lender quirk and low-deposit product. Most don't charge customers — they're paid by the lender. Cardiff's first-time buyers exploring 95% LTV, Help to Buy, shared ownership pay less when they let local partners compete on the same brief.
Cardiff market snapshot
£0
Cost to you — always free
5
Free quotes, max
100%
Approved & insured
0.37m
Wales population
Cardiff pro tip
Help to Buy – Wales is a separate Welsh scheme with its own rules — pick a broker who has placed Welsh cases.
Where we operate
Mortgage Brokers across Cardiff
Our approved mortgage brokers professionals cover every major Cardiff postcode area. What comes up most in Cardiff:
Postcode coverage
6 postcode areas served
Not your area? Submit your postcode anyway — we cover all of Wales.
Before you ask for quotes
What to know about first-time buyer mortgage
Most brokers are paid by the lender
Many charge you nothing and take a procuration fee from the lender instead; some charge a fee as well. Ask which at the first conversation — they have to tell you.
An agreement in principle is not an offer
It is a soft indication based on what you have told them. The formal offer comes after full underwriting and a valuation, and the two do not always match.
A gifted deposit needs paperwork
If family are helping, lenders will want a letter confirming it is a gift rather than a loan, plus evidence of where the money came from. Starting that early avoids a delay at the worst moment.
Why QuoteMyMove for Cardiff
Approved Cardiff professionals. One free quote form.
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Every Cardiff professional is independently background-checked, insurance-verified and customer-reviewed.
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