Residential Mortgages

Our expert mortgage advisors at Ramsay & White in Cardiff are here to help you find the best residential mortgage deals in the UK.

With our extensive experience in property finance, you can trust us to provide expert advice and support throughout the process.

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Our Areas of Expertise

Our Residential Mortgages Services

Whether you are a first-time buyer, looking to remortgage or investing in a buy-to-let property, we can provide tailored solutions to meet your needs

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Moving Home

Our team of experienced professionals can help you find the perfect mortgage to suit your needs, whether you're new to the market or a seasoned homeowner looking to upgrade. We work with you to understand your financial situation and find a mortgage that fits your budget and lifestyle.

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First-time Buyer

Buying your first home can be an exciting experience – but also a daunting one. That's why we're here to guide you through the process, step by step. Our dedicated team will help you understand the different mortgage options available, and work with you to find the one that's right for you.

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Releasing Equity

If you're looking to release equity from your home, we can help. Our expert residential mortgage advisors in Cardiff can guide you through the process and find a mortgage that allows you to access the equity in your home without having to sell it.

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Product Transfer

If you're looking to transfer to a new mortgage product, we've got you covered. Our team will clearly explain the different options available and help you find the one that best suits your needs. We'll also work with you at every step to make the transfer process as smooth and stress free as possible.

Residential Mortgages FAQs

Find answers to some of the most commonly asked questions about Residential Mortgages.

What is a Residential Mortgage?
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A residential mortgage is a loan that’s secured against a residential property. It’s used to buy a property or to release equity from one you already own. At Ramsay & White in Cardiff, we offer competitive rates on residential mortgages to help you achieve your property goals.

What are the eligibility criteria for a Residential Mortgage?
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The eligibility criteria for a residential mortgage can vary depending on the lender. We consider factors such as your income, credit history, employment status and the value of the property to determine your eligibility for a residential mortgage.

What types of Residential Mortgages are available?
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At Ramsay & White, you’ll find a wide range of residential mortgage options tailored to your needs, from fixed-rate mortgages and variable-rate mortgages to tracker mortgages and offset mortgages. Speak with our expert advisors to find the right option for you.

What is the maximum loan-to-value (LTV) ratio for a Residential Mortgage?
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The maximum LTV ratio for a residential mortgage can vary depending on the lender and the borrower's circumstances. The expert advisors at Ramsay & white can offer up to 95% LTV for first-time buyers and 90% LTV for home movers, subject to eligibility criteria.

What is the minimum deposit required for a Residential Mortgage?
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The minimum deposit you’ll need to put down for your residential mortgage will depend on the lender and your circumstances as a borrower. However, we offer residential mortgages with deposits as low as 5% to help you get on the property ladder.

How long does it take to get a Residential Mortgage?
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A residential mortgage application typically takes two to four weeks to process. But this can also depend on the lender’s workload and your circumstances. Our dedicated team of experts can guide you through the process and help you secure a mortgage as quickly and efficiently as possible.

What are the fees associated with a Residential Mortgage?
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The specific fees for a residential mortgage vary from lender to lender. To make the costs involved as clear as possible, our advisors will provide you with a full breakdown of all fees and charges associated with your residential mortgage.

Can I have more than one residential mortgage?
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Even if you’re repaying a mortgage on a home, you can take out a second mortgage to buy another. However, lenders have strict criteria for residential mortgages, as the interest rates and terms tend to be much better than mortgages for buy-to-let properties. So you’ll need to provide plenty of proof that you intend to live in this property, not rent it out or use it for business purposes.

Can I have more than one residential mortgage on the same property?
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Yes, you can take out a second mortgage product on a home you’re currently paying for. The maximum amount you can borrow with your second residential mortgage depends on the amount of the property you currently own. This is determined by the total value of your home minus the cost of the mortgage you still owe on it. In general, lenders will let you borrow up to 75% of the equity in your property. So if you currently own 50% of your property outright, you can expect to borrow a maximum of 37.5% of the total property value.

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Have more questions?
Schedule a call with our Team

Our Mortgage Clients Success Stories

Read what our clients have to say about their experiences with our mortgage services and how we helped them achieve their property goals.

Worked for Joel and the whole team for over 4 years now. Residential, commercial and bridging finance. Always super professional, quick, efficient, helpful and on the end of a call anytime. Highly recommended and we see them as an extension of our own team.

Steven Pardoe

Glad I used Ramsay & White (Jordan and Dean in particular) for a BTL mortgage. They were professional and responsive, and I was able to get an offer from the bank in timely manner. I would highly recommend R&W, they are great!

Emmanuel Unuigboje

We did our mortgage and remortgage with Hannah Price, she was fantastic! She was very knowledgable and helped us find the best offers for us! I would definitely recommend her to anyone!

Jordanne Casburn

Thank you for another easy re-mortgage on one of our properties. You guys are always so helpful and keep us informed each step of the way! We couldn't do what we do with you and your team.

Felicity Antill

Great service from Indigo at Ramsay & White. She is very knowledgable and super responsive - and has got the mortgage offer through in record time! Thank you so much for all of your time and support, Indigo.

Nadine Jump

Special thanks to Olly & Will for helping me as a first time buyer. Replies were prompt and they provided me with regular updates. Completely put me at ease, they explained the process and how to get the best deals! Would highly recommend, great customer service.

Alice Evans

I've completed multiple mortgages with help from Chris at Ramsay & White, and intend to do many more, because of Chris's overall excellent service. I would highly recommend. Thanks Chris.

Matt W.

Great service from Ramsay & White. Joel took the time to meet via zoom to fully understand my requirements before recommending any services/products moving forward. Will Roberts provided weekly+ updates for remortgage and quickly found alternative offers when required. Remortgage completed quickly and without any issues. Excellent customer service, friendly and professional. I would highly recommend!

Ray Dainton
How we help you

Our Process for Residential Mortgages

Our clients benefit from our customer-focused and personalised approach, giving them peace of mind and as much involvement in the project as desired.

Initial Consultation

During the consultation, our team will help you understand your financial situation and goals. We'll ask about your income, assets, and credit history and discuss the type of property you're looking to purchase or refinance.

Tailored Mortgage Recommendations

Based on the information provided during the initial consultation, our team will recommend a range of mortgage options that are tailored to your individual needs. We'll provide you with detailed information on each option, including the interest rate, fees, and terms.

Application & Approval

As a leading expert in property finance in the UK, we have access to a wide range of mortgage products and lenders. This allows us to offer competitive rates and terms that may not be available to individual borrowers.

Closing & Funding

Once the mortgage application is approved, our team will assist you in closing the loan and securing the funds. We'll work with you to ensure that all the necessary paperwork is completed and will be there to answer any questions you may have throughout the process.

Continued Support

After completion, we provide continued support to all of our clients, answering any questions you may have and help with any of your future property finance needs.

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