Harbour Mortgage Solutions
Cardiff
Mortgage advice covering help to buy, buy-to-let, first-time buyers. Harbour Mortgage Solutions has not recorded a fee structure.
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About Harbour Mortgage Solutions
Harbour Mortgage Solutions is a UK mortgage broker based in Cardiff. Its website describes mortgage advice for buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Harbour Mortgage Solutions works across help to buy, buy-to-let and first-time buyers from Cardiff — a focused listing led by help to buy work.
Help to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideBuy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Harbour Mortgage Solutions
Tailored to this listing.
- 1How many lenders can you recommend from — the whole market, a limited panel, or a single lender?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 4How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 5What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 6Do you see clients at your Cardiff office, or is this handled by phone and video?
Getting in touch with Harbour Mortgage Solutions
Harbour Mortgage Solutions lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does Harbour Mortgage Solutions charge for mortgage advice?
Not recorded on this listing — ask Harbour Mortgage Solutions directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does Harbour Mortgage Solutions handle?
Harbour Mortgage Solutions records help to buy, buy-to-let and first-time buyers, working from Cardiff. Ask anyway if your case sits outside that list.
Can Harbour Mortgage Solutions help with a Help to Buy equity loan?
Harbour Mortgage Solutions lists Help to Buy as an area it covers. Most cases now involve getting out of an existing equity loan: it is repaid as a percentage of the property's current value, so if the property has risen you owe more than you borrowed. You will need a RICS valuation before the numbers can be firmed up.
Does Harbour Mortgage Solutions only cover Cardiff?
Harbour Mortgage Solutions is listed in Cardiff, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Cardiff on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.