Business Details
Trusted Mortgage Brokers in Neath
Established as a trusted mortgage brokerage, we specialise in connecting clients with tailored mortgage solutions across Wales. Our expertise spans new build properties, buy-to-let investments, remortgaging, and government-backed schemes like Help to Buy Wales. Partnering with leading providers such as Persimmon Homes, we prioritise competitive rates and personalised advice to help clients achieve homeownership or financial flexibility through equity release.With a focus on transparency, we guide clients through complex mortgage landscapes while maintaining compliance with Financial Conduct Authority regulations. Our teams deep understanding of evolving market conditions ensures clients receive strategic recommendations aligned with their unique circumstances.
Services
Buy to Let Mortgages
Remortgage Services
New Build Houses
Help To Buy Wales
Equity Release
Life Insurance
Critical Illness Cover
Income Protection
Buildings Insurance
Contents Insurance
Highlights and features
- We offer free initial consultations to assess your mortgage needs.
- Our partnership with Persimmon Homes provides exclusive new build options.
- We access competitive mortgage deals unavailable on the high street.
- Our FCA-regulated advice ensures compliance and client protection.
- We specialise in complex cases, including renovation properties and buy-to-let.
Associations and certifications
- Financial Conduct Authority
Services
Buy to Let Mortgages
We specialise in buy-to-let mortgages requiring 25% deposits, advising on rental yield assessments and unregulated products. Our expertise includes sourcing deals for renovation properties and non-habitable buildings, ensuring clients meet lender criteria while navigating higher stamp duty rates.
Remortgage Services
Our remortgaging service helps clients reduce interest rates, switch between fixed/variable rates, or release equity after redemption penalties expire. We assess loan-to-value ratios to identify competitive deals for home improvements or additional property purchases.
New Build Houses
Partnering with Persimmon Homes, we facilitate mortgages for energy-efficient new builds with warranties and modern specifications. Clients benefit from pricing assurance, reduced maintenance costs, and tailored financing for customisable properties up to 250,000.
Help to Buy Wales
We administer Welsh Government shared equity loans requiring 5% deposits, covering up to 20% of property costs. Our guidance includes repayment structures, 1.75% annual interest after six years, and compliance with resale revenue distribution rules.
Income Protection
Our income protection policies cover 70% of gross earnings for sickness, accidents, or unemployment. Deferred periods range from one month to a year, ensuring mortgage payments and living expenses are maintained during prolonged absences from work.
Questions
What mortgage options exist for new build properties?
We partner with Persimmon Homes to offer mortgages for new builds with energy-efficient features, pricing assurance, and warranties. Clients can customise properties and benefit from reduced maintenance costs.
How does Help to Buy Wales work?
The scheme requires a 5% deposit, with the Welsh Government providing a 20% equity loan. You’ll secure a mortgage for the remaining 75%, repaying the loan when you sell your home.
Can I remortgage to fund home improvements?
Yes, we help clients remortgage to release equity for renovations. We assess loan-to-value ratios and secure competitive rates based on your property’s current value and repayment history.
Do you offer buy-to-let mortgages for renovation projects?
We source buy-to-let mortgages for renovation properties, including non-habitable buildings. Our lenders consider rental yield projections and deposit sizes of at least 25%.
What protection insurance options are available?
We provide life insurance, critical illness cover, and income protection. Policies can be standalone or combined, with tailored advice to ensure exclusions are clearly explained.
