First-Time Buyer Mortgages in Cardiff
Getting on the property ladder in Cardiff? We'll help you find the best mortgage deal and guide you through every step of buying your first home.
Buying Your First Home in Cardiff
Cardiff offers a range of options for first-time buyers, from affordable areas like Grangetown and Splott to popular neighbourhoods like Canton and Roath. Understanding the market and your budget is key to making the right choice.
Our advisers know Cardiff inside out. We'll help you work out how much you can borrow, which areas fit your budget, and which mortgage products offer the best value for your situation.
Affordable Areas for First-Time Buyers
If you're looking for your first home in Cardiff on a budget, consider:
• Grangetown — affordable with great transport links
• Splott — up-and-coming with lower entry prices
• Adamsdown — close to the city centre at reasonable prices
• Ely and Caerau — family-friendly with lower prices
• Rumney and Llanrumney — affordable with good amenities
We'll help you balance price, location, and lifestyle to find the right area.
Mortgage Options We Arrange
We search 90+ lenders to find the best first-time buyer deals, including:
• 5% deposit mortgages (95% LTV)
• Help to Buy Wales equity loans
• Shared Ownership mortgages
• Fixed rate deals for payment certainty
• Joint borrower sole proprietor (family support) mortgages
Every situation is different — we'll find what works for you.
Frequently Asked Questions
What's the cheapest area to buy in Cardiff?
Ely, Caerau, Grangetown, and Splott typically offer the most affordable properties. Prices vary, but you can find properties from around £130,000-£170,000 in these areas.
Can I buy in Cardiff with a 5% deposit?
Yes. There are 95% LTV mortgages available for first-time buyers. On a £180,000 property, that's a £9,000 deposit.
Should I get a mortgage agreement in principle first?
Yes — most estate agents require one before accepting an offer. We can arrange this quickly, often within 24 hours of your initial consultation.
Book a free consultation · Contact us