Mortgage Broker Cwmbran - Mortgage Advisor

Our team of mortgage brokers and advisors are a trusted source for bespoke mortgage advice across Cwmbran and South Wales.

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First Time Buyer Mortgages

Home Mover Mortgages

Remortgages

Buy To Let Mortgages

Choose us for ‘Whole of Market’ Mortgage & Insurance Advice in Cwmbran

First In Mortgages are a team of mortgage brokers and mortgage advisors in Cwmbran.

Our mortgage specialists have over 25 years of experience giving mortgage advice to customers throughout South Wales and find the right mortgage for their needs. We pride ourselves on our personal service and our ability to find the best mortgage deals for our clients. Whether you’re a first-time buyer, looking to remortgage, or wanting to buy a buy-to-let property, we can help.

We understand that taking out a mortgage is a big financial decision and that’s why we offer a free initial consultation to discuss your circumstances and mortgage options. We’ll then provide you with a mortgage report outlining the best mortgage deals available to you. If you’re happy to proceed, we’ll work with you to complete the mortgage application and support you through to completion.

For expert mortgage advice in Cwmbran, South Wales, contact First In Mortgages today.

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

What Steps are Involved

The process of acquiring a mortgage in the UK can vary depending on the type of mortgage you are applying for and the lender you are using. However, there are some general steps that are involved in the process.

1) The first step is to gather all of the necessary documentation that will be required by the lender in order to assess your application. This will typically include proof of income, proof of address, and bank statements.

2) Once you have gathered all of the required documentation, you will need to submit it to the lender for assessment. The lender will then carry out a credit check and affordability assessment to determine whether or not they are able to offer you a mortgage.

3) If the lender is able to offer you a mortgage, they will provide you with a mortgage offer. This will detail the terms and conditions of the mortgage, as well as the interest rate that you will be required to pay.

4) Once you have received the mortgage offer, you will need to decide whether or not you accept it. If you do accept it, you will then need to sign the contract and return it to the lender.

5) Once the lender has received your signed contract, they will then arrange for the mortgage funds to be transferred into your account. The funds will typically be available within a few days.

6) You will then begin making monthly repayments on your mortgage, which will continue until the loan is paid off in full.

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

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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

Your Frequently Asked Mortgage Questions... Answered

How much can I borrow?
The amount you can borrow for a mortgage largely depends on:

Income: Lenders assess your regular income sources (salary, business income, bonuses, and any other income) to determine your ability to meet monthly repayments.
Debt-to-Income Ratio: This ratio compares your monthly debt payments to your gross monthly income. Most lenders prefer this ratio to be 36% or lower, with no more than 28% of that debt being for your mortgage.
Credit History: A good credit score can make it easier to secure a mortgage and at a lower interest rate. It reflects your past borrowing and repayment habits.
Down Payment: The more money you can put down upfront, the less you’ll need to borrow. Lenders often offer better terms to those who can put down larger down payments.
Property Value: The value of the property you’re looking to purchase will also play a role, as lenders want to ensure they don’t lend more than what the property is worth.
When will mortgage rates go down?
Mortgage rates fluctuate based on various economic factors. Predicting exact timings for rate decreases is challenging as it depends on global economic trends, Bank of England policies, and market dynamics.