Residential

Explore your mortgage options

Founded in 2009, JWA Mortgages is a fee-based, independent and whole of market, financial planning firm. We provide objective advice for individuals, families and businesses, tailored to their specific needs. We cover Cardiff and surrounding areas including Swansea, Newport and Bristol. Call us today for a free initial consultation with no obligation.

FIRST TIME BUYERS

Being a First Time Buyer can be a very exciting time, yet it can also be daunting and at times a little overwhelming. How much deposit do I need? How much can I borrow? Which deal is right for me? How much will it cost? These are just a few of the questions we are sure you are asking. Here at JWA Mortgage Solutions we understand that there is a lot for you to think about and that’s why we pride ourselves on being able to guide you through every step of the house buying process and make everything as clear as possible for you. This is likely to be the biggest financial commitment you have and will ever make so it is important that we help you get it right first time. 
There are a number of schemes available to first time buyers, helping those who are struggling to get onto the property ladder. To learn more about some of the types of schemes available please click here or pick up the phone to one of our friendly advisers who can tell you more. 

MOVING HOME

You might not be new to the house buying process but there is still a lot to think to about. Here at JWA Mortgage Solutions we understand that moving home can be very exciting, yet it can also be a very stressful and busy time - we aim to take as much stress as possible away. Our experienced Advisors and support team will take you right through the process, from understanding how much you can borrow so you can make your offer of purchase to the day of completion and picking up your new keys. We will work alongside Estate Agents, Mortgage Lenders and the Solicitors to make the process as hassle free as possible for you, leaving you to focus on packing those boxes. 

remortgaging

There are a number of reasons why you may need to remortgage your property, whether you are coming to the end of your current deal, want to consolidate some debts with your mortgage, looking to release some equity or just want to see if you can find a better deal, JWA Mortgage Solutions can advise you on the right options for you. 
If you are currently tied into a rate with your existing lender, we recommend that you get in touch three to six months before your deal ends to avoid having to pay a higher rate on your mortgage. 

retirement interest only

If you are looking to purchase a new home or remortgage your existing property and are heading into retirement, if not already retired, then a Retirement Interest Only mortgage may be right for you. At JWA Mortgage Solutions we can provide you with our knowledge and expertise to help you make an informed decision, we are independent and whole of market so can give you the unbiased advice you need. 

help to buy EQUITY LOAN

The help to buy scheme is offered by the Government and is designed to help first time buyers or those struggling to move up the property ladder. Not all lenders will consider shared equity loans however here at JWA are able to advise you on those who do and help you move on to or up that property ladder. We can take the stress from you and will happily liaise with the Help to Buy team, the Builders, the Lender and the solicitors to make the process as smooth as possible for you. 

SHARED OWNERSHIP SCHEME

This is a scheme offered by the government which aims to help first time buyers or those struggling to get on the property ladder. Our Mortgage Advisors can help you whether you are looking to make your first home purchase or looking to increase the share you currently own.  

new build

If you are interested in purchasing a new build property there may be a few extra points to consider whether you are a first time buyer or moving up the ladder. Our experienced mortgage advisors can take you through the full process and recommend the right lender for you. Builders may steer you towards using a mortgage adviser they work alongside however we always recommend seeking independent advice before you commit to anything. 

self build

This type of mortgage is designed to help those people who have dreamed to build their own property but perhaps don’t have the money available to fund the full project themselves. Self-build mortgages can be used to help you purchase the initial land as well as funding the cost of works. JWA Mortgage Solutions have access to the leading specialist lenders for self-build mortgages and can start helping you to realise your house building dreams. 

let to buy

A let to buy mortgage is one where a lender will allow you to release some of the capital in your existing residential property in order to fund the purchase of a new residential. As highly experienced mortgage advisors for both residential and buy to let mortgages we will be able to provide you with all of the advice you need to make an informed decision as to whether this is the right way forward for you. 

adverse credit

Having a troubled credit history can make obtaining a mortgage difficult, not all lenders will consider lending to people who have a poor credit rating. The important thing is to have a full understanding of your credit profile and we can help you to do this. JWA Mortgage Solutions are very experienced mortgage brokers and have access to the whole of mortgage market. This means we can offer you unbiased advice on what options are available to you and guidance on how to improve your credit rating for the future. No matter how big or small you think the problem is we are sure we can guide you in the right direction.
WARNING: THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.

We estimate that for residential mortgages the fee will be £398 payable on completion of the mortgage. We may also be paid commission from the lender. 

For some mortgages, a fee of up to 3% of the mortgage is payable on completion of your mortgage depending on the complexity of your case. (for example this could be up to £3,000 on a £100,000 mortgage). 
 
Business Buy to Let, Commercial Mortgages, Unsecured Business Borrowing, Short Term Finance and Bridging Finance are not normally regulated by the Financial Conduct Authority. For this type of finance, our typical fees are a non refundable fee £497 paid at application and a fee of 1% paid on completion of your mortgage.

Contact

To DISCUSS your MORTGAGE options, call now on 

Technology Business Centre, 2 Alexandra Gate, Ffordd Pengam, Cardiff CF24 2SA
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