Woodhall Mortgages provides whole-of-market mortgage advice to buyers across Cardiff and South Wales. First time buyers, remortgage, buy to let and self-employed applicants. FCA authorised, FRN 762513. Initial advice free.
Woodhall Mortgages is a whole-of-market, FCA-authorised mortgage broker covering Cardiff and South Wales. We compare mortgages from 90-plus lenders for first time buyers, home movers, remortgage and buy to let. All advice is given remotely via phone and video call. Our broker fee is £299 on formal offer. Initial discussion is free.
We provide mortgage advice across the full range of buyer types and property situations in Cardiff. Whether you are buying your first flat in Cathays, remortgaging a family home in Llandaff or looking at a buy to let in the student areas near the university, the process is the same: we search the whole market and find the most suitable deal for your circumstances.
Cardiff is one of the more accessible cities for first time buyers in Wales, with a range of property types from city centre apartments to terrace houses in Canton and Roath. A 5% deposit gives access to the full range of 95% LTV products. We also advise on shared ownership through Welsh housing associations, which can reduce the deposit required on eligible properties. See our first time buyer guide for a full breakdown.
Cardiff homeowners coming off a fixed rate deal have access to the whole market through a broker, not just the rates their existing lender offers on a product transfer. We compare both options and advise on which saves more. The process is done remotely. Use our remortgage calculator to see what switching to a lower rate could save before you speak to us.
Cardiff has one of the largest student populations outside London, with Cardiff University and Cardiff Metropolitan University creating consistent rental demand. The city centre, Cathays and Roath are high-yield areas for student lets. We cover personal and limited company buy to let, HMO mortgages for larger student properties and remortgage for existing Cardiff landlords. See our buy to let mortgage guide.
Cardiff's growing professional and tech sector means a significant number of self-employed and contractor applicants. Lender criteria for self-employed income varies significantly. Some require two years of accounts, others accept one. Some use net profit, others use salary plus dividends. A whole-of-market broker identifies the right lender for your specific trading structure and income pattern. See our self-employed mortgage guide.
Shared ownership is available in Cardiff through Cadwyn Housing Association and other registered providers. It allows buyers to purchase a share of a property (typically 25% to 75%) and pay rent on the remainder, reducing the deposit required. Mortgages for shared ownership properties are assessed differently to standard residential mortgages, and not all lenders offer them. We advise on the most suitable lenders for Cardiff shared ownership purchases.
Cardiff is home to the Senedd, the HMRC digital centre, a major BBC Wales operation and a growing financial services sector. Many Cardiff professionals are on enhanced income packages that some lenders assess more favourably: enhanced affordability multiples for NHS staff and teachers, contractor day rate calculations, and bonus income treatments. We identify lenders whose criteria match your income type.
Cardiff's property market covers a wide range from city centre apartments to leafy suburbs. Here is a brief guide to the main areas and what buyers typically find there.
Cardiff's most sought-after residential areas. Victorian and Edwardian terrace housing, strong local amenities and easy access to the city centre. Family houses typically £350,000 to £600,000. Popular with professionals and growing families.
Strong rental demand from Cardiff University students and young professionals. Mix of flat conversions and terrace housing. Gross yields for buy to let typically 5% to 8%. House prices more accessible than Pontcanna at £200,000 to £350,000.
Major regeneration area around the waterfront. Modern apartments and new-build developments. Popular with young professionals and investors. Apartment prices from £150,000. New-build lending requires lenders comfortable with the developer and site.
North Cardiff suburbs with strong school catchments and a semi-rural feel. Detached and semi-detached houses, good primary and secondary school access. Prices £300,000 to £700,000 depending on size and position. Demand from families relocating from Bristol.
The coastal town of Penarth, just south of Cardiff, offers Victorian housing and sea views within commuting distance of the city centre and Cardiff Bay. House prices £300,000 to £700,000. Popular with Bristol commuters using the rail link.
More affordable areas in west and east Cardiff with house prices from £150,000 to £250,000. Accessible for first time buyers with smaller deposits. Good transport links to the city centre. Yield for buy to let investors typically 5% to 7%.
We advise buyers across all Cardiff postcodes: CF1, CF2, CF3, CF5, CF10 (city centre), CF11 (Pontcanna, Canton), CF14 (Rhiwbina, Whitchurch), CF15, CF23 (Roath, Cyncoed), CF24 (Roath, Plasnewydd), and surrounding areas including Penarth (CF64), Barry (CF62) and the Vale of Glamorgan.
We are based in Halifax, West Yorkshire, and we advise Cardiff buyers remotely. That is worth explaining, because some people assume local means better. It does not for mortgages. The mortgage market is national. The lenders available to a Cardiff buyer are the same whether the broker is in Cardiff or Halifax. What matters is whether the broker is whole-of-market, FCA-regulated and experienced with your buyer type.
We are all three. Our broker fee of £299 is among the most competitive for a whole-of-market service. We do not charge a percentage of the loan. We are paid when you receive a formal mortgage offer, not before.
| What we offer | Detail |
|---|---|
| Lender access | 90-plus lenders including broker-only deals |
| Buyer types covered | First time buyers, home movers, remortgage, buy to let, self-employed |
| Areas covered | All Cardiff postcodes, Penarth, Barry, Vale of Glamorgan and South Wales |
| How we work | Remotely via phone and video call |
| Broker fee | £299 on formal mortgage offer |
| Initial advice | Free |
| FCA regulated | Yes, FRN 762513 |
| Commission | We also receive commission from the lender. This does not affect the advice. |
Reviews and testimonials reflect individual experiences and do not guarantee outcomes.
Whether you are buying your first home in Cardiff, remortgaging a property you already own or building a buy to let portfolio in South Wales, Woodhall Mortgages compares the whole market and advises on the most suitable deal for your circumstances. All advice is given remotely via phone or video call.
Initial discussion free. A broker fee of £299 is payable if you choose to proceed following a formal mortgage offer. This fee is non-refundable once charged. We may also receive commission from the lender. Your home may be repossessed if you do not keep up repayments on your mortgage.
Get Cardiff Mortgage AdviceWoodhall Mortgages is authorised and regulated by the Financial Conduct Authority (FRN 762513). As a whole-of-market mortgage broker, we consider mortgages from across the market, subject to lender criteria and product availability. This page is for general information only and does not constitute regulated mortgage advice. Property price ranges are indicative and based on general market knowledge as of June 2026. Your home may be repossessed if you do not keep up repayments on your mortgage.
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