Mortgage Broker In Wales

Advice that accounts for Welsh rules

Buying in Wales is not identical to buying in England. Land Transaction Tax replaces stamp duty, with its own thresholds and higher rates for additional properties, and Welsh government schemes differ from their English equivalents. Getting the tax figure right early matters, because it changes how much deposit you have left.

Away from the cities, a large share of property is rural: smallholdings, converted barns, stone construction, properties with land or off-mains services. Each of these narrows the lender list, and some high-street lenders decline them outright.

• Purchases in Cardiff, Swansea and Newport, including flats and new-builds
• Rural and non-standard construction property, including land and annexes
• Holiday lets and second homes, including local additional-property tax rates
• Self-employed and farming-related income

Holiday lets and second homes

Holiday-let demand across Pembrokeshire, Gwynedd and the Gower is strong, but lending is specialist: income is assessed on projected seasonal letting, and some councils apply higher council tax premiums on second homes. We set out the whole cost picture before you commit.

How we work with Welsh clients

Everything runs by phone, video and email, so location is no barrier. You get one adviser and a 200+ lender panel. £499 standard fee, £799 for complex cases, payable only if you proceed.