Your local mortgage broker
Mortgage advice in Cardiff & South Wales
Buying, moving or remortgaging? We'll explain your options and support you at every step.
What would you like help with?
- First-time buyer advice
First home
- Moving home advice
Moving home
- Remortgage advice
Remortgaging
- Shared ownership advice
Shared ownership
Buy-to-let
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Buy-to-let advice- Protection advice
Protection
More we can help with: New buildSelf-employedCredit issues
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.
From your first question to getting the keys
Whether you're buying or remortgaging, here's what happens and how we help at each stage.
Step 1
Talk through your plans
A free 20-minute phone call about your circumstances and what you're looking to achieve. We ring you at the time you pick.
Step 2
Review your options
We research lenders whose criteria suit your situation and talk you through our recommendation.
Step 3
Apply with support
When you decide to go ahead, we submit your application and keep you updated through to offer.
Step 4
Through to completion
Your solicitor or conveyancer takes things from offer to completion. We stay in touch until you get the keys or your new deal starts.
Protecting your home
We'll ask how you'd keep up your mortgage if illness, injury or death stopped an income, and whether protection might help. It's your choice whether to look at it.
When your deal ends
When your deal is coming to an end, we can look at your options again with you.
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.
Your adviser
Phillip Wakeling-Smith · Mortgage & Protection Adviser · CeMAP
Phillip has spent 15+ years as a Mortgage & Protection Adviser, helping first-time buyers, home movers and people remortgaging. He has specialised in new-build purchases for many years and has extensive experience of shared ownership. He puts clients first and makes sure they understand each step of the mortgage process.
Why choose Capital Mortgage Advice?
We're a mortgage broker based in Cardiff, advising on mortgages and protection across South Wales.
Whole of market
We look at mortgages from lenders across the market.
Fees in writing
You can see our fees before you call, and any fee is disclosed in writing.
New-build & shared ownership
Our adviser has extensive experience of both. We help with builders' deadlines and housing association assessments.
Buying in Wales
We explain Land Transaction Tax and check whether a Welsh scheme could help.
Advice by phone
We're based in Cardiff. Appointments are by phone, at a time you pick, wherever you are in the UK.
Know before you buy in Wales
Local guides: Land Transaction Tax Help to Buy – Wales Leasehold flats
Want an estimate before we talk?
Use our free Mortgage Affordability check to explore lender estimates.
- No credit search
- No account needed to start
The check gives estimates, not mortgage offers. It's an information tool, not advice: it doesn't give a recommendation, a decision in principle, or a guarantee that any lender will lend to you.
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A few questions before we talk
Here are some common questions. If there's anything else you'd like to know, book a free call and ask us.
Do I need a property in mind?
No. You can speak to us before you have found a property. It often helps to understand your options, and what lenders may ask for, before you start viewing.
Will you credit-check me?
No. An initial conversation involves no credit check at all. If you later apply for a mortgage, the lender will run one — and we'll tell you exactly when that happens.
Do I need documents ready before we talk?
No — just yourself. A rough idea of your income and deposit is enough for the first call. If you'd like a Decision in Principle straight afterwards, our what-to-expect page lists what helps to have to hand.
What happens after I book?
You'll get a confirmation email with a link to change or cancel. We ring you at the time you picked, and the call takes about 20 minutes. Appointments are by phone. If you'd rather not wait, you can ring us on 02922 820 840 (Mon–Fri 9am–5:30pm).
How do you get paid?
Your first call is free. There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances, this could be up to £499 but a typical fee would be £199. We also receive a commission from the lender. Any fee and the commission are disclosed in writing, and you'll see them in your illustration.
Let's talk about your next move.
Tell us where you are with your plans.
Or call 02922 820 840 or WhatsApp · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.