Mortgage Advice in South Wales
Whether you're buying your first home, moving to a bigger property, remortgaging for a better rate or investing in property, our expert mortgage advisers will find the right deal for you.
How Our Mortgage Advice Works
Getting mortgage advice from Notebook Money is straightforward. We start with a free consultation to understand your financial situation, your goals, and the type of property you're looking for. From there, we search the whole market — over 90 lenders — to find the mortgage that best fits your needs.
Unlike going directly to a bank, which can only offer its own products, we have access to exclusive rates and deals that aren't available on the high street. Our advisers handle the entire application process, from the initial search through to completion, keeping you informed at every stage.
We use a secure online client portal so you can track your application, upload documents, and message your adviser at any time. This means less paperwork, fewer phone calls, and a smoother journey to getting your mortgage approved.
Why Use a Mortgage Broker?
A mortgage broker saves you time, money, and stress. Instead of approaching multiple banks individually, your broker does the legwork for you — comparing hundreds of mortgage products to find the one that offers the best value.
Brokers also understand lender criteria in detail. This means we know which lenders are most likely to approve your application based on your income, credit history, and property type. This targeted approach reduces the risk of rejection and speeds up the process.
Many of the best mortgage deals are only available through brokers. Lenders offer intermediary-exclusive products with lower rates and better terms, which you simply can't access by walking into a branch.
- Access to 90+ lenders and exclusive intermediary-only rates
- Expert guidance through the entire application process
- Reduced risk of rejection with targeted lender matching
- Online tracking via your personal client portal
- Protection and insurance advice included
Types of Mortgage We Arrange
We help with every type of residential and commercial mortgage, including first-time buyer mortgages, remortgages, buy-to-let finance, bridging loans, and development finance. Whatever your situation, we have the expertise and lender relationships to find the right solution.
Our advisers specialise in helping clients with complex situations — self-employed borrowers, contractors, those with adverse credit history, and portfolio landlords. We know which lenders take a flexible approach and can often find solutions where others can't.
Frequently Asked Questions
How much does mortgage advice cost?
We offer a free initial consultation. Our adviser fee is clearly explained upfront before you proceed. Many clients find that the savings we achieve on their mortgage far outweigh any advisory fee.
How long does a mortgage application take?
A typical mortgage application takes 4-6 weeks from submission to offer. However, this can vary depending on the lender and the complexity of your case. We work to keep things moving as quickly as possible.
Do I need a deposit to get a mortgage?
Most lenders require a minimum deposit of 5% of the property value. However, having a larger deposit (10-20%) typically gives you access to better interest rates. We'll advise on the best approach for your situation.
Can I get a mortgage if I'm self-employed?
Yes. We work with many lenders who specialise in self-employed mortgages. You'll typically need 2-3 years of accounts or SA302 tax calculations, but some lenders accept just one year.
What documents do I need for a mortgage application?
You'll typically need proof of identity, proof of address, bank statements (3 months), payslips or accounts, and details of any existing debts. We'll provide a full checklist when you begin your application.
Book a free consultation · Contact us