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Access to a Market Leading range of Lenders and Deals.

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Expert, friendly MORTGAGE advice catered to your needs.

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Work with an experienced, people-led MORTGAGE broker.

Independent Mortgage Advisor Cardiff: Affinity Financial

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Affinity Financial is a leading independent mortgage advisor in Cardiff, South Wales, offering a suite of services that spans the breadth of personal finance. Our team's expertise turns daunting into the doable and the complex into the comprehensible.

Did you know?

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Currently, there are thousands of mortgage products in the UK market. That's a lot to sift through. Luckily, Affinity Financial are here to find the right product and lender for your circumstances and financial goals in Cardiff.

Affinity Financial: Leading Independent Mortgage Advisor in Cardiff

Best Life Insurance & Protection Plans

If you're looking for an "independent mortgage advisor near me," look no further than Affinity Financial. With roots in Cardiff, Affinity Financial has grown to become a trusted name in mortgage advice, not just in South Wales but beyond.


Our team's deep understanding of personal finance, coupled with local knowledge, allows us to offer you advice that's both insightful and practical.

Award-winning lenders with the best rates

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Nationwide Building Society
bank of ireland
halifax
Barclays
santander
hsbc
TSB
Natwest
Nationwide Building Society
Nationwide Building Society

What we offer

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Here at Affinity Financial, we offer a comprehensive list of services. This includes not just our popular mortgage advice, but also financial protection planning and property finance advice. Our strength lies in the diversity of our services and our ability to tailor these to suit your unique circumstances.

Residential Mortgages

Whether you’re a first-time buyer, moving home, or have decided to re-mortgage, Affinity is here to find the right policy for you.

Buy-To-Let Mortgages

A Buy-to-let mortgage is for people wanting to buy a property to rent out, rather than live in. Most Buy-to-lets are usually interest only, meaning monthly repayments only pay off interest, not the capital owed on the mortgage. This will be paid off in full at the end of the agreed term.

Residential Bridging Loans

Residential Bridging Finance is a short-term loan for the purpose of ‘bridging’ a financial gap. This makes them a great alternative standard mortgage when you need to act quickly on property renovations.


Some Bridging Finance is not regulated by the Financial Conduct Authority.

Limited Company Buy-to-let

With a commercial Buy-to-let mortgage, you can purchase a buy-to-let property through a limited company or Special Purpose Vehicle (SPV). For many property investors, this type of commercial mortgage can yield considerable tax breaks.

Commercial Bridging Loans

Much like its residential counterpart, a Commercial Bridging Loan is used when a financial gap needs to be filled quickly. They can be used for almost all types of commercial property purchases.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

MORTGAGES AT A GLANCE

Mortgage Advice for First Time Buyers
  • Monthly repayments can fluctuate.
  • Initial discount on the lender's SVR (Standard Variable Rate) for a set period, then switched to full SVR.
  • Penalties may apply for overpayments and early repayment.
  • Lender might not reduce or may delay reducing its variable rate even if base rate declines.
  • Advantageous for the initial phase when budget may be constrained.
  • Need to ensure affordability post-discount period as rates can increase.
  • Interest rate and monthly repayments remain constant for an agreed period.


  • After the agreed period, lender usually switches the borrower to its SVR.


  • Penalties may apply if switching lenders during a fixed rate period.


  • Early repayment charges may apply for overpayment during the fixed period.


  • Payments stay the same during a fixed period regardless of market interest rate fluctuations.


  • Rates won't decrease if market rates go down.
  • Supported by the government to aid potential homebuyers.
  • We can provide guidance on scheme workings and eligibility criteria.
  • Monthly payments only cover the interest on the mortgage balance.


  • The capital amount borrowed does not decrease and must be fully repaid at the end of the mortgage term.


  • Separate investment(s) needed to generate the required capital, and affordability of this must be demonstrated.


  • Be aware that investment values can fluctuate, possibly leading to a shortfall of the original amount.


  • The lender must approve your plan for loan repayment at the end of the interest only period.


  • If unable to generate enough to repay the mortgage at term end, selling the property might be necessary.


  • Must demonstrate how the capital sum will be repaid at term end.

Latest Remortgage deals

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4.65% Fixed For 2 Years

(£999 Product Fee)

*Based on Loan to Value (LTV) of 50%

4.05% Fixed For 5 Years

(£995 Product Fee)

*Based on Loan to Value (LTV) of 50%

4.72% Fixed For 2 Years

(£999 Product Fee)

*Based on Loan to Value (LTV) of 75%

4.15% Fixed For 5 Years

(£995 Product Fee)

*Based on Loan to Value (LTV) of 75%

Sourced on 20thFebruary 2023 – Indicative Figures Only - Subject to Change 

why choose affinity financial

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The Benefits of Using a Mortgage Broker cardiff

Whether you're looking for personal or commercial mortgage advice, our service in Cardiff has got you covered. We ensure our advice is tailored, thorough, and transparent, allowing you to make informed decisions.

Our Expert Mortgage Advisor Team

Our team of mortgage advisors is the heart and soul of Affinity Financial. They each bring their unique experiences, expertise, and insights to the table, which allows us to offer free financial advice in Cardiff that is truly comprehensive and beneficial for our clients. 

Our Relationships and Partnerships

Affinity Financial is proud of its partnerships with a broad spectrum of lenders across the market. We also collaborate with accountants, solicitors, and estate agents, ensuring we have a 360-degree perspective of the property market. This network helps us in securing the most suitable mortgages for our clients, be it for a business or a dream home.

Independent Mortgage Advice in Cardiff

Whether you're looking for personal or commercial mortgage advice, our service in Cardiff has got you covered. We ensure our advice is tailored, thorough, and transparent, allowing you to make informed decisions. 

Over-The-Phone Financial Services

Your text should: At Affinity Financial, we understand that each client has unique needs and circumstances. That's why we offer a tailored approach to finding the right mortgage for you.

Our team of mortgage advisors in Cardiff are here to help you find a mortgage that fits your unique situation. We use advanced technology to search the entire mortgage market, so you can be sure you're getting the best deal possible.

For a stress-free, efficient, and personalized mortgage experience, get in touch with us today. We'll be happy to help you find the right mortgage for your needs.

A Personalised Approach to Mortgages

Your text should: At Affinity Financial, we understand that each client has unique needs and circumstances. That's why we offer a tailored approach to finding the right mortgage for you. 


Our team of mortgage advisors in Cardiff are here to help you find a mortgage that fits your unique situation. We use advanced technology to search the entire mortgage market, so you can be sure you're getting the best deal possible. 


For a stress-free, efficient, and personalized mortgage experience, get in touch with us today. We'll be happy to help you find the right mortgage for your needs.

Free Remortgage Service for NHS Workers

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Completely fee-free service for NHS staff for Remortgaging

Includes a full financial review (also free of charge)

Mortgage product/conveyancing fees may still apply, but broker administration fees for our advice & recommendations will be waived. That’s a saving of up to £695!

HOW WE WORK

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01

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We establish your needs and goals


A fundamental stage of providing financial services, we take the time to get to know you financially and assess your situation.

02

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We research, build, and recommend 


Using our wide network of providers, lenders and products, we create a tailor made strategy to achieve your goals.

03

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Application


We oversee the entire application process. That means we’ve got you covered the whole way, from initial input to dealing with lenders, and then, finally, to completion or policy on risk.

04

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We review and react


With our relationship orientated approach, we promise to periodically review your products and circumstances to help you mitigate any potential risks or find better deals and opportunities.

don't take our word for it

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“Great advice and a very personable service. Looking forward to using Affinity when I buy my next property ”

Charlotte Vella-Rudd

5 star rating on Facebook

5 star rated, thank you!

Will Morgan

5 star rating on Google

“Fantastic recent interaction with a remortgage deal. Actually went out of their way calling up after hours to sort out paperwork etc. Can't recommend enough, without a doubt the easiest thing i've done so far. Affinity Financial are a great local service that go beyond customer care. Highly satisfied. ”

Paul Parry

5 star rating on Facebook

MORTGAGE FAQS

Mortgage Advice for First Time Buyers

Yes, it is certainly worth it. An independent mortgage advisor can offer you a wider range of products and lenders as they are not tied to any specific provider. They have the expertise to search the market to find the best deal that suits your specific circumstances.

Costs can vary. At Affinity Financial, we pride ourselves on providing affordable, transparent, and fair services. For more detailed information, please contact us.

A mortgage advisor specializes in helping clients find the right mortgage products. A financial advisor, on the other hand, provides advice on broader financial matters such as investments, pensions, and insurance. At Affinity Financial, we provide both services.

Using a mortgage broker like Affinity Financial often provides more options as they have access to a wide range of products from different lenders. A bank can only offer its own products. A broker can compare deals across the market to find the one that suits your needs best.

Using a mortgage broker like Affinity Financial often provides more options as they have access to a wide range of products from different lenders. A bank can only offer its own products. A broker can compare deals across the market to find the one that suits your needs best.

A potential disadvantage could be the cost. However, a good financial advisor often pays for themselves through the savings they can find for you. They also save you time and reduce stress by handling complex financial matters.

No, you don't necessarily need a lot of money. At Affinity Financial, we believe everyone should have access to quality financial advice. We work with clients with various income levels and financial goals.

As mentioned earlier, cost can be seen as a disadvantage. Some people might also prefer to manage their own finances. However, given the complexity of financial markets, having a professional financial advisor can often lead to better outcomes.

Giving Back Has Never Been So Rewarding 

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Choose between a £50 Amazon voucher or donating to charity with Affinity Financial's Reward Scheme. Whether you want to treat yourself or make a difference, Affinity Financial gives you the flexibility to choose.


Simply become a client or refer a friend to join this program today and start giving back while enjoying a well-deserved reward. So take the first step towards giving back or treating yourself by joining the Affinity Financial Reward Scheme today.

 

With so much choice, it’s hard to know where to turn.

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At Affinity Financial, we will sift through thousands of lenders and products to find the best option for you or your business. 


The Bank of England Base Rate raising interest rates, we would urge those with Fixed, Tracker, or Variable Rate mortgages in place to review their existing mortgage deal as soon as possible. So, act fast and get your new year off to a fast start!


Call us today for a 100% FREE, no-commitment financial health check or bespoke quote!

TAKE THE FIRST STEP IN ACHieving YOUR FINANCIAL GOALS - SPEAK TO OUR TEAM TODAY!

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