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Mortgage brokers in Cardiff

19 firms in Cardiff with evidence of arranging mortgages: either its own website, matched by its Companies House number, mentions mortgage services, or "mortgage" is in its registered company name. We haven't confirmed that any of them is authorised by the FCA, so use the “Verify on FCA Register” link before you take advice.

Remortgage: 10Buy-to-let: 9Protection insurance: 7First-time buyers: 6Later life / equity release: 5Self-employed: 4Shared ownership: 3Commercial: 3

Before you choose a broker: only firms authorised by the Financial Conduct Authority may legally advise on or arrange regulated mortgage contracts in the UK. Always check the Financial Services Register directly before proceeding.

Cardiff at a glance

House prices in Cardiff

In June 2026 the average price paid in Cardiff was £270,094, 2.1% higher than a year earlier and 16.2% higher than five years before. First-time buyers paid £232,204 on average, and buyers using a mortgage £275,195.

Detached£516,676
Semi-detached£321,684
Terraced£259,638
Flat£159,783

Stamp Duty Land Tax doesn't apply here: property purchases in Wales are taxed through Land Transaction Tax.

Source: UK House Price Index, June 2026, for the Cardiff area, which can cover more than the post town. Recent months are revised as more sales are registered. Contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0.

Questions to ask any broker in Cardiff

  1. Can you recommend mortgages from the whole market, from a panel of lenders, or from a single lender?
  2. Do you charge a fee? How much is it, and is any of it payable before the mortgage completes?
  3. How are you paid by the lender, and could that affect which mortgage you recommend?
  4. What documents will you need from me, and how long does a lender's decision usually take?
  5. What is your firm's FCA reference number, so I can check it on the Financial Services Register?

A broker has to tell you the scope of its service and any fees before you go ahead. How to choose a mortgage broker · Find a broker for your situation · Mortgage calculators

Firms in Cardiff mention these on their own websites:

More towns in Cardiff