Is mortgage advice in Cardiff free?

Yes — our service is 100% fee-free. We're paid by the lender, not by you.

Does Wales have different stamp duty?

Yes — Wales uses Land Transaction Tax (LTT) instead of Stamp Duty. The nil-rate band is £225,000, which is higher than England's. We'll calculate your exact LTT liability.

Can you help with Help to Buy Wales?

Absolutely. We're experienced with the Welsh Government's Help to Buy scheme and know which lenders work best with it.

Do you cover the whole of South Wales?

Yes — we help clients across Cardiff, Newport, Swansea, the Valleys, and the wider South Wales region.

How much LTT will I pay on a Cardiff home?

Wales has Land Transaction Tax (LTT) instead of Stamp Duty. The nil-rate band is £225,000 — above that, rates rise progressively. We'll calculate your exact LTT for any property you're considering.

Can first-time buyers use Help to Buy — Wales?

Yes, on eligible new-build properties up to £300,000. The scheme provides a Welsh Government equity loan of up to 20%. We know which lenders work best with HtB Wales.

Are Cardiff Bay apartments mortgageable?

Yes — most lenders are comfortable with Cardiff Bay blocks. Cladding status and lease length matter; we screen the block before applying.

Do you cover the Valleys and Swansea?

Yes. We help clients across the South Wales Valleys, Newport, Bridgend, Swansea, and the Vale of Glamorgan.

Cardiff, South Wales

Mortgage Advisor in Cardiff

Expert mortgage advice for Cardiff and South Wales. 90+ lenders compared, zero fees charged, and advice tailored to the Welsh market.

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Mortgage Advice in Cardiff

Cardiff is Wales's fastest-growing city, with a booming property market driven by regeneration, excellent transport links, and a thriving business scene. Whether you're a first-time buyer in Canton, moving to Pontcanna, or investing in Cardiff Bay, our fee-free advisors compare 90+ lenders to find you the best mortgage. We also understand Welsh Government schemes like Help to Buy — Wales.

Cardiff Property Market

Average Property Price

£260,000

Popular Areas

CantonPontcannaCardiff BayRoathWhitchurchLlandaffPenarth

Our Mortgage Services in Cardiff

First-Time Buyers

Expert advice for first-time buyers in Cardiff. We'll guide you through every step.

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Remortgage

Switching your Cardiff mortgage? We compare 90+ lenders to find your best deal.

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Home Movers

Moving within or to Cardiff? We'll handle your mortgage so you can focus on the move.

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Buy-to-Let

Investing in Cardiff property? We specialise in BTL mortgages for landlords.

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Buying a Home in Cardiff — What You Need to Know

Cardiff property prices are below the UK average but have shown consistent growth, making it a strong market for buyers.

Help to Buy — Wales offers shared equity loans of up to 20% for new-build properties, and we can advise on eligibility.

Cardiff Bay has undergone massive regeneration and continues to attract young professionals and investors.

Family-friendly areas like Whitchurch and Llandaff offer larger homes at more affordable prices than inner-city locations.

Land Transaction Tax (LTT) applies in Wales instead of Stamp Duty, with a nil-rate band up to £225,000.

The South Wales Valleys offer exceptionally affordable property, often under £150,000, with improving transport links to Cardiff.

Market Trends

Cardiff Property Market Trends

Cardiff prices are up around 3.3% year-on-year — strongest in CF5 (Canton/Pontcanna) and CF24 (Roath).
Help to Buy — Wales continues to support first-time buyer activity on new builds.
Cardiff Bay apartment values have stabilised after a period of oversupply.
Penarth and the Vale of Glamorgan remain premium commuter postcodes.

Local Updates

Recent Cardiff News & Updates

Early 2026

Cardiff Crossrail proposals advance

Welsh Government plans for a Cardiff Crossrail are starting to influence buyer preferences along proposed routes.

Q1 2026

Land Transaction Tax thresholds reviewed

Welsh Government has confirmed the £225k LTT nil-rate band remains in place for 2026 — supporting affordability vs England.

Market data and updates are indicative and based on publicly available sources up to early 2026. Speak to an adviser for live figures specific to your circumstances.

What Cardiff Customers Say

"Used Help to Buy Wales to get our first home in Canton. Our advisor explained everything clearly. Zero fees!"

Rhys & Carys J.

First-Time Buyers — Cardiff

"Remortgaged in Roath and saving £200/month. Can't believe I waited so long. Amazing service."

Helen T.

Remortgage — Cardiff

"Moved from a flat to a house in Whitchurch. The Mortgage Genie handled the whole mortgage seamlessly."

Dan W.

Home Mover — Cardiff

Mortgage FAQs — Cardiff

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