We've rebranded! Formerly known as Green Mortgages

We've rebranded! Formerly known as Green Mortgages

Home » Our Locations » Proper Advice Cardiff
Welcome to Proper Advice

Mortgage Brokers Cardiff

When looking for a mortgage broker in Cardiff, Proper Advice is the smart choice. We support first-time buyers, those moving home, remortgaging and debt consolidation with access to over 90 lenders. Throughout the whole process we offer expert guidance backed by years of proven experience. Our advisers help the people of Cardiff navigate one of the UK’s most competitive markets.
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I'm looking to Remortgage
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Why Choose Us for Mortgage Advice in Cardiff?

Finding the right mortgage can be difficult, particularly when different lenders have varying criteria and rates. Then finding the right mortgage broker in Cardiff can be difficult.
At Proper Advice, we simplify this process, thanks to our whole-of-market mortgage advice that gives you access to a broad selection of mortgage products from high street banks, building societies and specialist lenders. Our experienced mortgage advisors work with clients throughout Greater Cardiff and nearby areas, offering clear guidance based on individual circumstances, helping you make informed mortgage decisions whether you are purchasing a first home, moving house, remortgaging or looking for a more specialist solution.

Helping Cardiff Homeowners and Buyers

Cardiff is one of the most thriving communities in Wales and continues to attract homeowners, first-time buyers and people relocating to the area, creating strong demand across its property market. For many buyers, rising property prices and affordability can make securing the right mortgage more challenging, particularly when saving for a deposit or meeting lender affordability requirements. Homeowners may also be looking for remortgage advice as existing deals approach their end date.

We support clients across popular areas of Cardiff, as well as commuter locations and the wider Greater Cardiff area, providing mortgage advice suited to their circumstances and property plans.
Cardiff Red House

Our Cardiff Mortgage Services

We provide mortgage advice for a wide range of property and financial circumstances. Whether you are buying your first property, moving home, remortgaging or require specialist mortgage support, our advisors can help.

Remortgage and Debt Consolidation Experts in Cardiff

Our mortgage advisors based in Cardiff can help homeowners review their existing borrowing and explore potential ways to manage their mortgage commitments. If your current deal is coming to an end, we can provide remortgaging support and help you assess the mortgage options available.

We also offer guidance on debt consolidation, explaining how incorporating existing debts into a mortgage may affect your repayments, costs and overall borrowing. This is done with the full understanding that every situation is different, so our advice is tailored to your circumstances.

Remortgages

We can help you switch to a better rate, reduce your monthly payments or release equity from your home.

Debt Consolidation Mortgages

Looking to consolidate multiple debts into one, single monthly payment? We'll help to find you the best deal.
We have access to over 120 high street and specialist lenders across the whole market!

Perks of working with Proper Advice

Working with an experienced mortgage broker in Cardiff, like Proper Advice, is the best decision you'll make this year.
Over 90 Lenders To Choose From
We search over 90 lenders to find a mortgage for you, helping you secure a competitive deal rather than being limited to a single provider.
Dedicated Advisor & Case Manager
You’ll have two points of contact from start to finish, guiding you through your options, answering questions and keeping everything moving smoothly.
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We Handle The Paperwork
From paperwork to liaising with lenders, solicitors and estate agents, we manage the process for you to make everything as simple and stress-free as possible.
Weekly Interest Rate Reviews
During your application we review your rate weekly to make sure you complete on the best interest rate possible.
Whole-of-Market Access
We search across a broad range of lenders, including high street banks, building societies and specialist lenders, to help identify mortgage options that fit your circumstances.
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FCA Regulated
You can have confidence that your mortgage advice is provided by an FCA-regulated firm, with your circumstances and requirements carefully considered throughout the process.

How it works

Whether you are buying a property or looking to remortgage, our advisors guide you through affordability, lender matching, the Agreement in Principle and the full mortgage application.
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Review
We start by understanding your circumstances, income, deposit, existing commitments and mortgage requirements. We can carry out affordability checks and review the relevant documents before lender assessment.
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Decide
We’ll explain the different rates, terms and repayment options available and, where appropriate, help you obtain an Agreement in Principle to demonstrate your potential borrowing position.
3
Apply
Once you have chosen how you want to proceed, we handle the mortgage application on your behalf. This includes preparing and submitting the application, managing supporting paperwork and communicating with all parties involved.
4
Complete
We’ll continue to monitor your application through the underwriting and mortgage offer stages, helping to resolve any outstanding requirements along the way. As you approach completion, we’ll help make sure everything is in place so your mortgage can complete as smoothly as possible.

Why Clients in Cardiff Choose Remote Mortgage Advice

Getting mortgage advice in Cardiff doesn’t mean you should need to take time out of your day to visit an office. Our clients can speak with an experienced advisor by phone or video at a time that suits them. Whether you’re working, commuting or managing a busy schedule, you can access professional mortgage advice from wherever you are.

Meet our Cardiff Mortgage Team

Say hello to the hard-working mortgage experts who are here to secure you the best outcome possible!
Michael Kallaras
Managing Director
Nina Dodd
Mortgage Case Manager
Harry Power
Director
Tom Lewney
Mortgage & Protection Advisor
Amy Harley
Mortgage Case Manager
Jack Power
Co-Founder
Georgia Brown
Mortgage Case Manager
Jayke Turner
Broker Support
Ciarán Power
Operations Manager
Emma Hughes
Mortgage Case Manager
Mia Lowey
Compliance Manager
Jack Wareing
New Business Consultant
Conor Goodwin
New Business Consultant
We have access to over 120 high street and specialist lenders across the whole market!

Frequently Asked Questions

Using a mortgage broker in Cardiff is advantageous for support during the whole process. Cardiff, and much of the UK, is experiencing one of the hardest periods for homeowners so expert navigation and access to wider lender panels is critical.

Absolutely, the Proper Advice team has proven experience in providing leading advice, guidance and assistance with remortgaging in Cardiff. As well as this, we can assist with debt consolidation, securing a new deal or reviewing your existing option.

Not at all, our systems have been refined to offer the same level of quality advice either over the phone or through video appointments. This allows us far greater flexibility around when we can take your call and provide that all-important advice.

All of our initial consultations, document reviews, quotes and product finding are totally free. We want to ensure you are fully informed about your options at all times, and will never tie you in to dealing with us if you prefer to look elsewhere.

In relation to mortgage fees, there may be arrangement, product, valuation or application fees tied to your new product. We will lay these out in full for you before any application and there is no obligation to proceed beyond our initial conversations if you don't want to!

There may also be legal fees due to the conveyancer/solicitors, but sometimes lenders offer free legal services. You can often choose whether you would prefer a paid legal service (often quicker with better service) or a free one (which may add a week or two to the process).

Getting in touch has never been easier.

Whether you prefer to call, text, email or fill out our simple online forms, we're only a stone's throw away from helping you find the solution you deserve. Click below to get in touch.
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What are you looking to do?*
Do you know when your current deal ends?
Do you already have an agreement in principle (AIP)?*