Specialist Mortgage Brokers in Cardiff
If your bank has said no to your mortgage — don’t panic. It might just mean your case needs a specialist touch.
At Celtic Finance, we’re an independent mortgage broker based in Cardiff, helping clients across South Wales, as well as nationwide, to find finance for tricky or “non-standard” cases. Whether it’s your income, credit history, or property that’s the issue — we know which lenders will say yes.
Why Choose a Specialist Broker?
Not every mortgage fits the high street mould. That’s where we come in.
We have access to exclusive, specialist lenders who will consider all cases, no matter how complicated!
Affordability issues 💸
Borrow more with our lenders! Many of our lenders will lend up to 6x your income, rather than the typical 4.5x with traditional high street lenders, with some being able to go higher than this for the right application.
Our lenders can accept all types of income, including benefits income, investment income, rental income, 2nd jobs, zero-hour contracts, foreign income
Raise for more purposes 💼
Raise money for reasons many lenders won’t accept, such as business purposes, paying a tax bill, or for unfinished home improvements.
Debt consolidation 💳
Use the equity in your home to obtain a secured loan or remortgage to consolidate your debts into 1 much lower payment, as well as reducing the overall interest payable.
We come across debt consolidation cases all the time, have a read of our Debt Consolidation page to see a real-life example of how a secured loan can significantly reduce your monthly payments.
Non-standard construction properties 🏚️
Secure against timber-frame, pre-fab, semi-commercial, and all non-standard construction properties
Self-employed, contractors, freelancers 👷🏻♂️
1 year self-employed accepted
Use net profits, instead of salary + dividends
Use 100% of your latest year’s income, rather than a blend of the last 2 years
Use your actual day-rate, rather than the income on your tax return
Projected income available (your accountant can provide a projected
Credit issues 📉
Many of our lenders have no minimum credit score, and are much more understanding of credit issues. Often taking a common sense approach instead
We have lenders that will ignore any adverse from over 12 months ago, including CCJs, defaults, mortgage arrears, missed payments
IVAs, Debt Management Plans, Trust Deeds and Bankruptcy doesn’t mean you can’t obtain a mortgage, whilst more difficult, there are still lenders out there who can lend despite these more serious credit issues
Buy-to-let, HMO & portfolio landlords🏘️
First time landlords accepted and first time buyers accepted
Portfolio landlords accepted, as well as refinancing
Large HMOs, multi-unit freehold blocks (MUFBs), semi-commercial
Ltd company (SPV) applications acceptable
Bridging and development 👷🏻♂️
Quick, flexible funding
We are a regulated mortgage broker, so we can advise on all products including regulated residential applications - not just unregulated lenders
No minimum credit score
Raise up to 80% LTV, or 100% of the purchase price with additional security
Downsizing/chain-breaks, heavy refurb, ground-up development, auction purchases are our specialty
Commercial mortgages
Semi-commercial and fully commercial lending options
All types of commercial properties considered (offices, shops, garages, land, agricultural)
Owner-occupied or investment properties acceptable
Raise up to 75% LTV
Because we’re based here in Cardiff, we understand the local market — from city centre flats and student lets, to cottages in the Vale, and everything in between.
How We Work
No call centres. No scripts. Just honest, expert advice.
As a valued client of ours, we will:
Chat through your goals and challenges 📞
Find lenders that actually fit your case 🎯
Handle all the paperwork to ensure everything moves quickly and smoothly
Our goal is simple — to get your mortgage approved, even if others couldn’t.
Let’s Get You Moving
If you’re in Cardiff or anywhere in South Wales and need a mortgage that doesn’t fit the usual boxes, we’re here to help.
📞 Get in touch with Celtic Finance — your local specialist mortgage broker in Cardiff.
👉 Contact us today for a friendly, no-obligation chat.
