A Wide Range Of Mortgages To Suit A Wide Range Of Needs South Wales and Beyond
We deal with all types of mortgages and understanding your needs, preferences and requirements are of paramount importance to us
With C A Mortgage Services, a premier mortgage broker in South Wales you are dealing with professionally qualified and highly experienced advisers. We have many years of working directly on our clients’ behalf.
There are lots of ‘moving parts’ involved in the mortgage process. We give you our assurance that we will be with you every step of the way to ensure all moving parts work together to bring you the smooth outcome you want.
Without taking professional advice, you could end up spending far more money and time than necessary and dealing with frustrating, stressful situations that could be avoided.
Why it pays to take professional qualified advice.
The vibrant and competitive mortgage market here in the UK has resulted in a head-spinning choice of mortgage options. These include a choice of the types of interest rates available such as; standard variable, trackers, short and longer fixed term interest arrangements, capped and collared, and many, many variations in between. Unless you have the time and knowledge to first research and then understand the intricacies of the mortgage market, you could easily end up making the wrong choice.
Our experience, knowledge and niche lending solutions are what separates us from the pack.
We deliver advice that’s entirely focused on your individual circumstances rather than a ‘one sized fits all’ approach. This ensures you get the most suitable mortgage advice and most importantly competitively priced.
C A Mortgage Services Ltd have the experience and knowledge of the mortgage and property market place that goes back to 2009. We have been on hand to help literally hundreds of clients satisfactorily turn their home ownership and other financial aspirations into a real world reality.
Your mortgage does not have to be a frustrating or stressful experience.
When you ask us to arrange your mortgage for you we will work closely with your lenders, legal representatives, your insurers, and valuers’ to ensure that ‘application’ to moving into your new home is as smooth as possible.
The C A Mortgage Services difference.
We know the importance that preparing and presenting your mortgage cases correctly can play in getting approval of your application. So we will guide you through the entire process of getting all of the right documents together ahead of submitting your application. We know this will reduce both the risk and time wasting frustration of being turned down by a lender. This extra value service which is included for all of our clients is particularly helpful to first time buyers.
As truly independent mortgage brokers in South Wales we have access to ‘whole of market’ providers and insurers. This means we can place both conventional mortgage cases and also less conventional mortgages such as self build mortgages, self employed mortgages, retirement interest only mortgages and many more niche requirements, such as poor credit history and adverse credit mortgages.
Professional Mortgage Advice Available
- A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
- You may have to pay an early repayment charge to your existing lender if you remortgage.
First Time Buyer Mortgages
What are first time buyer mortgages?
This is where you begin your home ownership journey with a first time buyer mortgage.
Buying your 1st Home can be both exciting and nerve racking! Our role at CA Mortgage Services is to try and make the whole buying process as stress free as possible.
We work hard to assist you in the process of successfully purchasing a property! We’ve helped lots of first time buyers to get started on their home ownership journey.
Fixed Rate Mortgages
What are fixed rate mortgages?
When you choose a fixed rate mortgage the amount you pay every month will be fixed for a specified period of time.
Fixed rate mortgages are typically 2 to 5 years as the most common periods.
No matter what happens to the Bank of England base rate and the standard variable rate offered by your mortgage lender – your payments will stay the same over that period of time.
Variable Rate Mortgages
What are variable rate mortgages?
When you choose a variable rate mortgage the amount you pay every month will be ‘vary’ inline with interest rates.
Normally this is either the lenders standard variable rate or sometimes because they are tied to the Bank of England base rate.
As qualified mortgage brokers we are bound by regulations to ensure you receive the best advice for your circumstances.
Bad Credit Mortgages
Can I still get a mortgage with bad credit?
Yes, it’s possible to get a mortgage with bad credit, although you’ll probably pay higher interest rates and you may need to come up with a larger deposit.
However, if you have had any bad credit in the last 12 to 24 months, such as late or missed payments on any Secured or Unsecured borrowing, Credit cards, Loans etc you may not be eligible for a mortgage just now.
We are always pleased to see if we can help so check with us first.
Tracker Rate Mortgages
What are tracker rate mortgages?
Tracker rate mortgages are basically a type of variable rate mortgage.
What makes them different from other variable rate mortgages is that they follow – track – movements of another rate.
Most commonly, the rate that is tracked is the Bank of England Base Rate.
Mortgage Broker Cardiff
I’m in Cardiff – can you help me?
Although we are not located directly in Cardiff centre, we are close by and will travel to meet with you.
We’ll be delighted to discuss your mortgage requirements, whether you are looking for a first time buyer mortgage. Or you are looking for a remortgage or to purchase a Buy To Let property in Cardiff. We can help. Mortgage Broker Cardiff
Armed Forces Mortgages
How are armed forces mortgages different?
Occasionally lenders offer special rates or deals for members of the armed forces.
As a mortgage broker with whole of market access, we get notified of these special deals, that you as a general consumer would not be privy to. This can help us get the best-armed forces mortgage deals available.
‘Your home may be repossessed if you do not keep up repayments on your mortgage’
Please see our fees below.