Mortgage Advisor in Caerphilly

First in Mortgages is a team of friendly, whole-of-market mortgage brokers and advisors helping people across Caerphilly find the right mortgage. Whether you are buying your first home in Ystrad Mynach, moving up the ladder in Bedwas or remortgaging in Bargoed, we search thousands of mortgage deals from lenders right across the UK and guide you through the whole process. Your first conversation is free and there is no obligation.

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First Time Buyer Mortgages

Home Mover Mortgages

Remortgages

Buy To Let Mortgages

As a trusted mortgage advisor in Caerphilly, our aim is simple: to give you clear, uncomplicated mortgage advice you can trust, and to make the journey to your new home as stress free as possible. We are always happy to offer helpful, no-obligation guidance.

In short: we are local, whole-of-market mortgage and protection advisers covering Caerphilly and the surrounding valleys. We help first-time buyers, home movers, people remortgaging and buy-to-let landlords, with access to deals from lenders across the UK, including some you will not find on the high street.

Local mortgage advice for Caerphilly

Caerphilly is a popular choice for buyers who want more space and value while staying within easy reach of Cardiff. The mix of established terraces, ex-local authority homes and new-build estates across the borough means no two mortgage applications are quite the same, and the right lender for one property is not always the right lender for the next.

As local mortgage brokers, we take the time to understand your circumstances and match you with a mortgage that genuinely fits. We provide helpful mortgage advice across Caerphilly town and the surrounding areas, including Ystrad Mynach, Bargoed, Bedwas, Machen, Llanbradach, Nelson, Abertridwr and Senghenydd. With decades of combined financial services

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We search 1000s of mortgage deals across a large number of lenders, including:

Our Mortgage Services in Caerphilly

First-time buyers

Taking your first step onto the property ladder can feel daunting. We keep home buying simple, explaining how much you can borrow, what deposit you will need and which mortgage types suit your situation. We are with you every step of the way, from your first chat to picking up the keys, and we ensure you understand each option before you decide. Where you may be eligible for a government or Welsh Government home-buying scheme, we will explain how it works and whether it is right for you.

Home movers

If you are moving home in or around Caerphilly, we handle the mortgage side so you can focus on the move. We look at whether keeping your current deal or switching to a new lender leaves you better off, and give you the right guidance to make an informed choice.

Remortgaging

If your fixed rate is coming to an end, that is the time to talk to us. We compare your current deal against the whole market and tell you honestly whether switching or staying put makes more sense. People remortgage for many reasons: to move to a lower monthly payment, to release equity or raise capital for home improvements, or to consolidate debt. Remortgaging need not be a stressful process.

Buy-to-let mortgages

Caerphilly’s strong rental demand and its commuter links to Cardiff make it a popular location for landlords. We assist landlords with clear buy-to-let mortgage advice, whether you are buying your first rental property or are a portfolio landlord adding to your holdings, including limited company and let-to-buy options, and we have access to specialist lenders for more complex cases.

Mortgage protection and insurance

A mortgage is likely the biggest financial commitment you will take on, so it is worth protecting. As mortgage and protection advisers, we talk you through life cover, critical illness cover and income protection, so your family is looked after whatever happens, without ever pushing you towards protection you do not need.

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Why choose First In Mortgages?

Whole-of-market advice. We search thousands of mortgage deals from lenders across the UK to find one that fits your needs, including some deals you will not find on the high street.

Local knowledge. We understand the Caerphilly and wider South Wales property market, and we put that experience to work for you.

Friendly and jargon-free. We believe good mortgage advice should be easy to understand. We explain your options clearly so you always know where you stand, and we hold ourselves to the highest standards of honesty and integrity.

With you throughout. We handle the paperwork, deal with the lender and keep you updated right through to completion, and we are here to answer your questions long after your mortgage completes.

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

What our Caerphilly clients say

We are proud of the service we provide, and our customers across South Wales are kind enough to say so. You can read more reviews from our customers on our website and on Google.

Marc from First in Mortgages was brilliant from start to finish. From booking his initial visit, to explaining everything he would be able to do for us, to visiting us in our new home when we had completed, Marc was always available to answer any questions and always went above and beyond for us which was comforting for us as first time buyers. His professional and honest delivery was second to none and we could not fault anything he has done for us. He explained every aspect of what he was doing as well as what we would need to do, making sure we were comfortable with everything. Marc has a wealth of knowledge and really delivers first class customer service and we could not be happier. Thank you Marc and all the best in the future.

Lorna & Luke, Cardiff

Thank you Marc for sorting our mortgage for us to be able to buy our first home; absolutely outstanding customer service. Nothing is too much trouble, you went the extra mile and we will definitely use your service in the future and recommend your services to others.

Cath & Jon Jones, South Wales

As first time buyers getting a mortgage can be a very stressful time. Trying to determine the best rate and terms, or deciding who has the best offer is a real challenge. We did our homework but as first time buyers it was a daunting and overwhelming task until we got in contact with Marc who is a professional at First in Mortgages and was very thorough when providing us with information. Due to mine and my partner’s work schedules, Marc happily accommodated meeting times around our working hours and also dealt with any enquiries over the phone and email which was a great option for us. Marc answered all our questions in a professional and prompt manner and showed us various options that he felt would be best for us. Thanks to Marc we completed the process quickly and he was more than happy to chase the solicitors for us if we were unable to. We couldn’t be happier with the service we received and will definitely be returning to First in Mortgages in the future. Many thanks to Marc and the team at First in Mortgages.

Amy & Andy, Newport, South Wales

I just wanted to share a great experience that I have had with Marc Greenhough of First in Mortgages. Marc is so very professional and has a wealth of knowledge which he has acquired over the years working within Financial Services. The service that he provided was first class. Marc offered great service and he was most flexible in offering to meet when it was convenient to me as a full time working mum. Not only did he save me money but also managed to source an array of great products which suited my individual needs. He listened to what I needed to plan a future for not only me but to also secure my sons’ futures. He was very attentive and always kept me to up to date with every part of the process. I would highly recommend Marc to look after your financial needs. Good luck to you Marc, an awesome job from a very satisfied customer.

Eleri James, South Wales

Marc from First in Mortgages recently reviewed our financial situation and gave us some great advice in protecting our family. He spent the time ensuring me and my partner fully understood the protection plans he recommended for us. It really has given us peace of mind knowing our two children would be fully provided for. He also reviewed my mortgage and was able to find me a new Mortgage provider that for the same monthly cost was able to reduce my mortgage term by 6 years, which will really save me £1000’s over the term of the mortgage. I would recommend Marc to anyone looking for professional mortgage and protection advice.

JS, Brynmawr, South Wales

First in Mortgages was recommended to my partner and I by a friend and we couldn’t be happier with the mortgage advice we received. By remortgaging, Marc was able to reduce our mortgage term by three years whilst also cutting our monthly payments. First in Mortgages were able to offer us independent and impartial advice from across the whole market and the service we received was very professional. We were in two minds about using a mortgage broker but First in Mortgages proved to us the value of seeking professional mortgage advice and we would not hesitate to recommend them to anyone looking for a great mortgage deal!

DM, Cwmbran, South Wales

When the discount period on my previous mortgage came to an end I was advised to contact First in Mortgages to obtain a short-term re-mortgage at a competitive interest rate. Marc, of First in Mortgages, responded immediately to my call and rapidly got to work on searching the market for a suitable product, bearing in mind that I am a semi-retired person. He was meticulous in obtaining the necessary paperwork required for the application, and I was delighted that he was able to achieve completion of the re-mortgage within one month of the application being submitted. It was a pleasure to do business with Marc and First in Mortgages, and I would recommend them to anyone seeking to obtain a mortgage.

RS, Cardiff, South Wales

Caerphilly mortgage advice: your questions answered

Below are some of the questions Caerphilly homeowners ask us most. If you have other queries about your mortgage or wider finances, just get in touch.

What does a mortgage advisor do?
A mortgage advisor, also called a mortgage broker, reviews your finances, recommends a mortgage suited to your circumstances and manages the application through to completion. A whole-of-market advisor, like us, compares deals from lenders across the market rather than being tied to a single lender, and can often access deals you will not find on the high street.
Is it worth using a mortgage advisor?
For most people, yes. As whole-of-market mortgage brokers we compare deals from a large number of lenders, including some not available directly to the public, and match them to your circumstances. That saves you time, and often money, compared with working through it alone.
How do mortgage brokers get paid?
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Mortgage brokers are usually paid in one of two ways: a fee charged to you, a commission paid to the broker by the lender when your mortgage completes, or a combination of the two. It is always worth asking a broker how they are paid before you start. We will be clear and upfront about any costs from the very first conversation, so there are no surprises.
What areas around Caerphilly do you cover?
We advise clients across Caerphilly town and the surrounding valleys, including Ystrad Mynach, Bargoed, Bedwas, Machen, Llanbradach, Nelson, Abertridwr and Senghenydd, as well as Cardiff and the wider South Wales area. Many clients deal with us entirely by phone, email or video, so distance is rarely an issue.
Do first-time buyers pay stamp duty in Wales?
In Wales you pay Land Transaction Tax (LTT) rather than Stamp Duty, and there is no separate first-time buyer relief as there is in England. Whether you pay anything depends on the purchase price against the current threshold, which is something we will talk through with you early on.
How much deposit do I need for a buy-to-let mortgage?
Most buy-to-let lenders look for a deposit of at least 25% of the property’s value, though this varies by provider and by your circumstances. Some lenders accept smaller deposits but you can be subject to a higher interest rate. We will tell you what is realistic for your plans and find a deal to suit.
What are the current mortgage rates in Caerphilly?
Mortgage rates change regularly and depend on your deposit, your credit history and the type of deal you choose. Rather than quote a figure that may be out of date, we recommend speaking to us for a personalised illustration based on your circumstances.

Speak to a Caerphilly mortgage advisor today

Whether you are buying your first home, moving, remortgaging or investing in a buy-to-let, our advisors are here to help. Your first conversation is free and there is no obligation, so get in touch and let us find the right mortgage for you.