For many people, the dream of owning a home feels just out of reach. I’ve spoken to countless clients who believed the same. “It’s impossible to save a big deposit while paying rent,” they’d say. And they weren’t wrong—it is tough.
But here’s the good news: with the Mortgage Guarantee Scheme, you don’t need to save for a huge deposit. This scheme allows you to get a mortgage with just 5% deposit—giving you a real chance to turn that dream into reality.
The scheme encourages lenders to offer 95% loan-to-value mortgages, making it easier for first-time buyers and home movers to secure a deal. But here’s the catch—it’s only available until 30 June 2025. After that, this opportunity could be gone for good.
Here’s How It Works
• 5% deposit—That’s all it takes to get started.
• Applies to properties up to £600,000.
• Not just for first-time buyers—home movers are eligible too.
• Repayment mortgages only—because this is about owning your home outright.
But time is running out. The scheme will close on 30 June 2025, and once it’s gone, it might not come back.
Why Wait?
The perfect time to start is rarely obvious. The right time is the moment you decide to take control. Opportunities like this don’t last forever, and waiting could mean missing out on a chance to get on (or move up) the property ladder with minimal upfront cost.
Let’s Talk
If you’ve been thinking about buying your first home or moving to your next, now is the time. I can help you make sense of your options and create a clear plan that fits your life and your future.
Get in touch today. No jargon, no pressure—just honest advice to help you move forward.
Ian Rogers
C A Mortgage Services – Helping People Like You Find the Right Path to Homeownership
Why Choose Us?
About C A Mortgage Services
At C A Mortgage Services, we understand that buying a home is one of the biggest decisions you’ll ever make. With decades of experience in the mortgage industry, Ian Rogers has built a reputation for delivering expert advice and personalised solutions to first-time buyers, home movers, and those looking to remortgage.
Experience You Can Trust
Ian has worked with hundreds of clients across South Wales and beyond, helping them find the right mortgage to fit their unique circumstances. His deep understanding of the local property market, combined with access to a wide network of lenders, means he can offer solutions you won’t find on the high street. Whether you’re employed, self-employed, or in a niche situation like buying an Eco home, Ian can help guide you through the process with clarity and confidence.
• Tailored Advice – No two clients are the same. We take time to understand your needs and recommend the best options for you.
• Access to Exclusive Lenders – We have access to mortgage deals that aren’t available to the public, giving you more choices.
• Specialist in Complex Cases – Whether you’re self-employed, have a variable income, or need help navigating the requirements for niche mortgages, we’ll help you find a way forward.
• Local Knowledge, National Reach – Based in South Wales, we know the area inside out. But our expertise, clients and lender access extend across the UK.
Our Commitment to Transparency and Trust
We believe in keeping things simple. No jargon, no hidden fees—just clear advice and honest communication. From the first consultation to the day you get the keys to your new home, we’re here to support you. Every step of the way.
Verified Expertise and Results
With a proven track record, countless satisfied clients, and a network of professional connections, C A Mortgage Services stands as a reliable, knowledgeable partner in your homeownership journey. Our testimonials speak for themselves, reflecting our dedication to excellence and our clients’ success.
What Our Clients Say
“Ian made the entire process so much easier than I expected. His advice was clear, and he found a deal that perfectly suited my situation. I couldn’t have done it without him!” — Sarah, Cardiff
“As a self-employed buyer, I was struggling to find a lender.
Ian’s expertise and connections opened doors I didn’t know existed. Highly recommend!” — Mark, Swansea
“The mortgage process felt overwhelming at first, but Ian explained everything in simple terms. His support and professionalism were invaluable. Thank you!” — Emily, Newport
We’re proud of the positive experiences our clients have had. Ready to start your own success story? Let’s chat!
Local Knowledge and Personalised Guidance
At C A Mortgage Services, we pride ourselves on our deep understanding of the South Wales property market. Buying a home in this region comes with its own unique challenges and opportunities, and having a local expert on your side can make all the difference. We know the areas where property demand is rising, where you can find the best value for your budget, and how local council policies might affect your mortgage journey.
Whether it’s navigating the competitive Cardiff market, finding hidden gems in Swansea, or helping families settle in Newport’s growing communities, we have the local insight to guide you every step of the way. When you work with us, you’re not just getting mortgage advice—you’re getting a partner who knows the area like a neighbour and is invested in your success.
Ian Rogers : 07780925185
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