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Mortgage Brokers Wales

At Deedle Finance, we will assist you in finding the most suitable mortgage deals in Wales. Our dedicated team strives to gain an understanding of your unique requirements, enabling us to find the best local deals with the most competitive rates for you.

Whether you are based in Swansea, Newport, Cardiff or anywhere else in between, our advisers can find the most competitive mortgages in Wales. We are determined to help you secure your dream home as soon as possible!


Begin Your Mortgage Journey Today In Wales

How To Get A Mortgage in Wales

Step 1
Complete Deedle's Form
Enter key details on our online form including your name, email address, contact number and requirements.
Step 2
Receive A Callback
Once you submit the form, our team will contact you for a callback. Our experts will provide you with guidance and support throughout the entire process.
Step 3
Check If You Qualify
Our advisors will gather essential information that significantly impacts your borrowing capacity and helps identify the most appropriate interest rates for you.
Step 4
Receive Your Mortgage
Once we have found a loan to suit your borrowing requirements, our advisers can submit your mortgage application and help you get on the property ladder ASAP!
How Much Deposit Do I Need to Secure a Mortgage in Wales?

How Much Deposit Do I Need to Secure a Mortgage in Wales?

Generally, lenders prefer a deposit of at least 5-20% of the property’s value. However, with the Help to Buy-Wales scheme, you may be able to purchase a property with a deposit as low as 5%.

Overall, the deposit amount required for a mortgage in Wales varies depending on the lender and the type of mortgage you choose.

How Is the Affordability of a Mortgage Assessed in Wales?

Mortgage affordability in Wales is assessed by lenders based on factors such as your income, employment status, credit history, monthly expenses, and the loan-to-value ratio (LTV).

Lenders use these factors to determine the amount they are willing to lend you and the interest rate they will offer.

How Is the Affordability of a Mortgage Assessed in Wales?

How Much Deposit Is Needed For Help to Buy – Wales

 Help to Buy – Wales provides a shared equity loan to buyers of new-build homes. Here is a cost breakdown for if you use Help to Buy – Wales to purchase a home worth £200,000:

For a property worth £200,000 Percentage Amount
Cash deposit 5% £10,000
Shared equity loan 20% £40,000
Your mortgage 75% £150,000

Get The Best Rates For Welsh Mortgages

Why Should I Get A Mortgage in Wales Through Deedle?

At Deedle, our team of mortgage advisors is fully dedicated to providing support throughout your entire mortgage journey. From the initial consultation until the finalisation of your mortgage, we are committed to offering guidance and assistance at every stage.

Leveraging our extensive knowledge of the Welsh mortgage market, we diligently search through thousands of mortgage options to identify the one that aligns perfectly with your unique circumstances and requirements. Our primary objective is to ensure a seamless and hassle-free experience for you. We handle all the essential paperwork, facilitate communication with lenders on your behalf, and strive to make the process as smooth as possible.

Regardless of whether you have a less-than-perfect credit history, are self-employed, or are in retirement, our team of experts specialises in finding mortgages that cater to a wide range of needs.

Where Can I Get a Mortgage Broker in Wales?

Deedle can help you get a mortgage anywhere in Wales. Locations include but are not limited to:


Merthyr Tydfil
Port Talbot

Colwyn Bay

Find The Cheapest Mortgage Deals In Wales

Can Foreign Residents Buy Property in Wales?

Yes, foreign residents are generally allowed to buy property in Wales. However, foreign buyers may be subject to certain additional considerations and regulations. For instance, if you are a non-resident of the UK for tax purposes, you may be subject to different tax rules and obligations when purchasing and owning property in Wales.

Are There Any Grants or Schemes in Wales for Energy-Efficient Home Improvements?

Yes, the Welsh Government offers various grants and schemes to promote energy-efficient home improvements. The Nest scheme provides free advice, support, and potential financial assistance for energy-saving measures such as insulation and boiler replacements. The Renewable Heat Incentive (RHI) scheme offers financial incentives for renewable heating systems.

Frequently Asked Questions About Mortgages in Wales

Are There Any Legal or Tax Considerations for Buying Property in Wales?

  • Conveyancing
  • Land Transaction Tax (LTT)
  • Additional Property Tax (APT)
  • Financial planning

Can I Switch My Mortgage to a Different Lender in Wales?

Yes, you can switch your mortgage to a different lender in Wales. Get in touch with Deedle today and we can help you achieve this.

What Is the Land Transaction Tax (LTT)?

The Land Transaction Tax is a tax imposed by the Welsh Government on properties purchased in Wales. It replaced the Stamp Duty Land Tax in Wales in 2018.

Can I Remortgage My Property in Wales?

Yes, you can remortgage your property in Wales. Remortgaging involves switching your existing mortgage to a new lender or renegotiating the terms with your current lender.

Can I Get a Mortgage if I Have a Poor Credit History in Wales?

Yes, it is possible to get a mortgage in Wales even if you have a poor credit history. Deedle considers people with all sorts of credit history.