Mortgage advice by phone across the UK
Talk your affordability check through with a mortgage adviser
Your check gave you estimates. We look at your full circumstances, explain your options and help you through your application to offer and completion. Appointments are by phone, wherever you live in the UK.
Mortgage Affordability is a trading style of Capital Mortgage Advice Ltd.
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.
From estimates to advice
The check you used and the advice we give come from the same firm.
The affordability check works out estimates from what you entered. It isn’t advice: it can’t tell you which mortgage suits you, or whether a lender will lend to you.
When you speak to us, we:
- look at your full circumstances: your income, outgoings, credit history, deposit and plans
- research mortgages from lenders whose criteria fit your situation
- explain what we recommend and why, and give you the lender’s illustration setting out the costs
- submit your application, deal with the lender’s questions and keep you updated through to your mortgage offer
- stay in touch until your mortgage completes
Which mortgages we look at
We offer a range of first charge mortgages from across the whole of the market, but not deals only available direct from a lender.
What we can help with
Buying your first home
From working out a realistic budget to your application, including any schemes that could help.
Moving home
Whether to port your current deal or take a new one, any extra borrowing, and the timing around your sale and purchase.
Remortgaging
Your options when your deal is ending, whether that’s a new deal with your current lender or a move to a new one.
Shared ownership and new build
How lenders look at the share you’re buying, new-build homes and builder incentives.
You’ll pay rent on the share you don’t own, plus any service charge, on top of your mortgage. Falling behind on the mortgage or the rent could put your home at risk.
Self-employed and complex income
How different lenders read accounts, contracts and other kinds of income.
Credit issues
Which lenders’ criteria may fit your credit history.
Lenders that will consider you may charge higher rates or fees, or ask for a bigger deposit.
If you’re worried about debt, you can get free, confidential debt advice from MoneyHelper.
Buy-to-let
Buying or remortgaging a rental property, in your own name or through a limited company.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Protection
Life insurance, critical illness cover and income protection, alongside your mortgage or on their own.
We don't charge you a fee for protection advice. If you take out a policy through us, we're paid commission by the insurer.
How it works
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.
Your adviser
Phillip Wakeling-Smith
Mortgage & Protection Adviser · CeMAP
Phillip has spent 15+ years as a Mortgage & Protection Adviser and has worked with several mortgage brokerages in that time. He has helped all types of clients, including first-time buyers, home movers and people remortgaging.
New-build purchases have been a specialism of his for many years, and he has extensive experience of shared ownership.
He puts his clients first and makes sure they understand each step of the mortgage process. He’s based in Cardiff and advises clients by phone across the UK.
Our fees
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.
The first call is always free.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Arrange your free call
Pick a time that suits you and Phillip will ring you then.
For the call
- You don’t need any documents for the first call.
- If you’ve done an affordability check, have your results nearby, with the reference shown on them if you have it.
- A rough idea of your income, regular commitments and deposit is plenty. Estimates are fine.
Pick a time
A free 20-minute phone call. No obligation, no credit check.
Loading available times…Your home may be repossessed if you do not keep up repayments on your mortgage.
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
Questions people ask
Do you only advise people in Wales?
No. We’re based in Cardiff, but appointments are by phone, so we can advise you wherever you live in the UK.
Do I need to do the affordability check again?
No. Phillip will go through your full circumstances with you on the call, so there’s nothing to redo first.
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.
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.
Ready to talk it through?
Phillip will ring you at the time you pick, wherever you are in the UK.
Or call 02922 820 840 · Mon–Fri 9am–5:30pm
A free 20-minute phone call. No obligation, no credit check.