Mortgage Broker Barry - Mortgage Advice

Our team of mortgage broker and mortgage advisors are a trusted source for bespoke mortgage advice across the Vale of Glamorgan.

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First Time Buyer Mortgages

Home Mover Mortgages

Remortgages

Buy To Let Mortgages

Choose us for ‘Whole of Market’ Mortgage & Insurance Advice

First in Mortgages are Mortgage Brokers and Mortgage Advisors covering Barry, South Wales and the South West.

With over 60 combined years of Financial Services experience we help our clients make the important financial decisions.

We pride ourselves with offering you friendly, uncomplicated mortgage and protection advice that you can trust.

We use the latest technology, allowing us to search the whole of the mortgage market, to give you truly independent mortgage advice and find you the best deal including 95% mortgages.

We can meet you at your home at a time that suits you, or if you prefer we can meet you at our office just outside Barry.

Our mortgage advice and service is simple and straightforward, saving you time and money. We will help you complete all the required paperwork and will be with you every step of the way.

Your property may be repossessed if you do not keep up repayments on your mortgage.

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We search 1000s of mortgage deals across a large number of lenders, including:

Professional Mortgage & Insurance Services

At First In Mortgages, we are well-versed in the intricacies of both the mortgage and insurance sectors. With our expertise deeply embedded in Barry’s financial environment, we are delighted to provide customised services that meet the specific needs of each individual and business.

Mortgages: Whether you’re stepping onto the property ladder for the first time, aiming to remortgage, or investigating buy-to-let options, our experts will support you at every stage, guaranteeing a smooth and straightforward process.

Insurance: It’s crucial to safeguard what matters most. From life and health insurance to building and contents coverage, we offer extensive insurance solutions that ensure peace of mind during uncertain times.

Why Choose Us?

Local Expertise: As Barry’s reliable mortgage and insurance advisors, we possess a comprehensive knowledge of the local market trends. Personalised Service: Every client is unique. We dedicate time to understand your specific circumstances and goals, providing solutions that are perfectly tailored to your needs. Transparent Process: With no hidden charges and no surprises, we value clear and honest communication, helping you navigate each decision with confidence.

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Marc from First in Mortgages was brilliant from start to finish. From booking his initial visit, to explaining everything he would be able to do for us, to visiting us in our new home when we had completed, Marc was always available to answer any questions and always went above and beyond for us which was comforting for us as first time buyers. His professional and honest delivery was second to none and we could not fault anything he has done for us. He explained every aspect of what he was doing as well as what we would need to do, making sure we were comfortable with everything. Marc has a wealth of knowledge and really delivers first class customer service and we could not be happier. Thank you Marc and all the best in the future.

Lorna & Luke, Cardiff

Thank you Marc for sorting our mortgage for us to be able to buy our first home; absolutely outstanding customer service. Nothing is too much trouble, you went the extra mile and we will definitely use your service in the future and recommend your services to others.

Cath & Jon Jones, South Wales

As first time buyers getting a mortgage can be a very stressful time. Trying to determine the best rate and terms, or deciding who has the best offer is a real challenge. We did our homework but as first time buyers it was a daunting and overwhelming task until we got in contact with Marc who is a professional at First in Mortgages and was very thorough when providing us with information. Due to mine and my partner’s work schedules, Marc happily accommodated meeting times around our working hours and also dealt with any enquiries over the phone and email which was a great option for us. Marc answered all our questions in a professional and prompt manner and showed us various options that he felt would be best for us. Thanks to Marc we completed the process quickly and he was more than happy to chase the solicitors for us if we were unable to. We couldn’t be happier with the service we received and will definitely be returning to First in Mortgages in the future. Many thanks to Marc and the team at First in Mortgages.

Amy & Andy, Newport, South Wales

I just wanted to share a great experience that I have had with Marc Greenhough of First in Mortgages. Marc is so very professional and has a wealth of knowledge which he has acquired over the years working within Financial Services. The service that he provided was first class. Marc offered great service and he was most flexible in offering to meet when it was convenient to me as a full time working mum. Not only did he save me money but also managed to source an array of great products which suited my individual needs. He listened to what I needed to plan a future for not only me but to also secure my sons’ futures. He was very attentive and always kept me to up to date with every part of the process. I would highly recommend Marc to look after your financial needs. Good luck to you Marc, an awesome job from a very satisfied customer.

Eleri James, South Wales

Marc from First in Mortgages recently reviewed our financial situation and gave us some great advice in protecting our family. He spent the time ensuring me and my partner fully understood the protection plans he recommended for us. It really has given us peace of mind knowing our two children would be fully provided for. He also reviewed my mortgage and was able to find me a new Mortgage provider that for the same monthly cost was able to reduce my mortgage term by 6 years, which will really save me £1000’s over the term of the mortgage. I would recommend Marc to anyone looking for professional mortgage and protection advice.

JS, Brynmawr, South Wales

First in Mortgages was recommended to my partner and I by a friend and we couldn’t be happier with the mortgage advice we received. By remortgaging, Marc was able to reduce our mortgage term by three years whilst also cutting our monthly payments. First in Mortgages were able to offer us independent and impartial advice from across the whole market and the service we received was very professional. We were in two minds about using a mortgage broker but First in Mortgages proved to us the value of seeking professional mortgage advice and we would not hesitate to recommend them to anyone looking for a great mortgage deal!

DM, Cwmbran, South Wales

When the discount period on my previous mortgage came to an end I was advised to contact First in Mortgages to obtain a short-term re-mortgage at a competitive interest rate. Marc, of First in Mortgages, responded immediately to my call and rapidly got to work on searching the market for a suitable product, bearing in mind that I am a semi-retired person. He was meticulous in obtaining the necessary paperwork required for the application, and I was delighted that he was able to achieve completion of the re-mortgage within one month of the application being submitted. It was a pleasure to do business with Marc and First in Mortgages, and I would recommend them to anyone seeking to obtain a mortgage.

RS, Cardiff, South Wales

Your Frequently Asked Mortgage Questions... Answered

How much can I borrow?
The amount you can borrow for a mortgage largely depends on:

Income: Lenders assess your regular income sources (salary, business income, bonuses, and any other income) to determine your ability to meet monthly repayments.
Debt-to-Income Ratio: This ratio compares your monthly debt payments to your gross monthly income. Most lenders prefer this ratio to be 36% or lower, with no more than 28% of that debt being for your mortgage.
Credit History: A good credit score can make it easier to secure a mortgage and at a lower interest rate. It reflects your past borrowing and repayment habits.
Down Payment: The more money you can put down upfront, the less you’ll need to borrow. Lenders often offer better terms to those who can put down larger down payments.
Property Value: The value of the property you’re looking to purchase will also play a role, as lenders want to ensure they don’t lend more than what the property is worth.
When will mortgage rates go down?
Mortgage rates fluctuate based on various economic factors. Predicting exact timings for rate decreases is challenging as it depends on global economic trends, Bank of England policies, and market dynamics.