Access to a Market Leading range of Lenders and Deals.
Expert, friendly MORTGAGE advice catered to your needs.
Work with an experienced, people-led MORTGAGE broker.
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.
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.
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.
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.
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 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.
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.
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.
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
01
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
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
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
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.
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.
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.
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!