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Mortgage Broker Ceredigion

Are you in need of Mortgage Advice in Ceredigion?

We are well known for our services around Ceredigion. These areas include New Quay, Aberystwyth, Talybont, Cwmystwyth, Lanybydder, Newcastle Emlyn, and Aberteifi and Lampeter.

Mortgage Broker Ceredigion

Ceredigion is situated in the Wales region of the UK. Ceredigion town lies on the tidal reach of the River Teifi at the top where Ceredigion meets Pembrokeshire. It has a population of approximately 1,500 people. Ceredigion is an ancient settlement dating back to the Bronze Age. In 1894 the railway was built linking this settlement to the rest of Wales. This brought new opportunities for the local economy and led to the growth of the village. Today, Ceredigion remains a thriving community, despite being located within Pembroke county council. Ceredigion is a popular tourist destination due to its beautiful scenery and historic buildings. There are also some great beaches nearby including Newgale beach which is a sandy beach with views across the bay towards the famous castle of Cardigan.

The area surrounding Ceredigion is very rural and there are many open fields dotted throughout the area.  The village is surrounded by farms and farmland, making it an ideal location for those who enjoy country life. The village is also close to the A40 road which runs between Carmarthen and Cardiff. This makes it easily accessible for commuters wishing to travel into Cardiff city centre. Apart from this, the city is filled with new and old construction properties with the expected demand for property rising in future. As financial advisers, we are ready to help the new property buyers at Ceredigion to help them to climb onto the property ladder. We at Ltd gives first-time buyers an opportunity to connect face to face with financial advisers and market brokers and provide them with the best property and mortgage deal. We provide our services free of charge to all prospective customers. Our service is completely independent and unbiased. We work closely with all major banks and building societies to ensure you receive the best possible deal. You will not be charged any fees for using our service. Our team consists of experienced mortgage advisors, estate agents and surveyors who are ready to assist you with your enquiry. We pride ourselves on providing honest advice and helping our clients achieve their dreams. If you are looking for a mortgage broker in Ceredigion then please contact us today.

Financial Advisors in Ceredigion

Many clients we have seen often just need a simple remortgage to get the best interest rate. Others want a remortgage to move the mortgage from an interest-only to a capital repayment one. Others want to release some equity from their homes to put down a deposit or pay off debts. Again comparing the whole market’s rates and lending conditions helps our clients get the best mortgage for their unique circumstances. Our Financial Advisers could find out your current situation such as; how much you currently owe, what sort of house you own, whether you’re buying or selling, and what your plans are. Then our financial advisers will compare that with what’s available on the market to give you the best mortgage solution for your needs. Our Mortgage Advisers can advise you on:

• What type of mortgage would suit your needs?

• How much you should borrow?

• What sort of term you should take?

• Whether you should use a fixed or variable rate?

• Which lender would offer you the best terms?

• And more!

We have specialist experts for a mortgage in probation period, supply teacher mortgages, sole trader mortgages and many more. We’ll make sure you get a mortgage that suits your needs and budget. Feel free to contact us



Efficient Easy to Understand Process..

Types of Mortgages Offered

Damian Youell

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How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

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Check Our Equity Release Mortgages Section


What is a mortgage broker?

A mortgage broker is an independent financial adviser who will take care of all aspects of your mortgage application from start to finish. They will be able to provide advice on what type of mortgage best suits your circumstances, how much you should borrow and whether it’s better to go for a fixed or variable rate mortgage.

Can I get a mortgage broker in Ceredigion?

Yes, we can help with your mortgage needs. We have been helping people to find the right home loan for over 10 years. You can contact our team for any mortgage advice in Ceredigion. 

How do I choose a mortgage broker in Ceredigion?

It’s important that you choose a mortgage broker who has experience working with customers like yourself. The most experienced brokers will also offer a range of products so they can tailor their service to suit your individual requirements. We can help you to find the perfect broker as per your requirements. Feel free to contact us. 

Do I need a guarantee when choosing a mortgage broker in Ceredigion?

No, there is no requirement for a mortgage broker to give a written guarantee. However, if you decide to use one then make sure you read the terms and conditions carefully before signing anything. If you don’t understand something then ask them about it. It’s always worth getting more than one quote. This way you can compare the different offers and see which one works out the cheapest for you.

Are mortgage brokers regulated by the Financial Conduct Authority (FCA)?

Yes, mortgage brokers must abide by the rules set down by the FCA. In addition, they must hold at least £1 million in capital and carry professional indemnity insurance.

What does a mortgage broker cost in Ceredigion?

The price of a mortgage broker depends on the size of the loan, the amount of interest you pay and the length of time you want to repay the loan. Typically, a mortgage broker will charge between 1% and 2% of the total value of the property being purchased.

Why would someone use a mortgage broker in Ceredigion instead of going direct to a lender?

Using a mortgage broker in Ceredigion means you won’t have to deal directly with the lender. Instead, you will work with a third party who will handle everything for you. This could save you money because lenders usually charge fees for dealing with borrowers.

 Is a mortgage broker cheaper than using a bank?

In some cases, yes. Mortgage brokers often offer competitive rates but this may not always be the case. For example, if you are buying a house worth less than £250,000 then you might be able to get a lower rate through a mortgage broker. But if you are looking to buy a bigger property, such as a detached bungalow, then you may find that banks offer a better deal.

What types of mortgages are available in Ceredigion?

Fixed Rate Mortgages – These involve paying the same monthly payment for the life of the mortgage. The only difference is that the interest rate stays the same throughout the term of the mortgage.

Variable Rate Mortgages – With these, the interest rate changes each month depending on market conditions. They tend to be more expensive than fixed-rate mortgages.

Interest Only Mortgages – These allow you to borrow all or part of the purchase price upfront. When you sell the property, you repay the remaining balance.

Buy To Let Mortgages – These let you borrow against the rental income from a property. Once the property is sold, you repay the debt.

Home Purchase Loans – These loans are used to buy properties. You pay a deposit upfront and the rest of the funds over a period of years.

Refinancing Mortgages – Refinancing involves taking out another mortgage to cover any existing debts. This allows you to take advantage of low-interest rates without having to move home.