Swansea Mortgage Broker
Mortgage advice that puts you first – because home is where the heart is
At Cariad Mortgage Solutions, we understand that buying a home is more than just numbers; it’s about finding your place in the world. That’s why we offer clear, tailored mortgage advice with a personal touch. Whether you're buying your first home, moving up the ladder, self-employed, or remortgaging, we’re with you every step of the way.
Expert guidance, no jargon, just heart
"Beth is an excellent mortgage advisor! I came to Beth after four different advisors were not able to help me and I already thought to give up. Beth provided excellent communication and consideration of my needs. The whole process was quick and easy, which took me by surprise, as previously working with other mortgage advisors I didn't achieve anything. I will recommend Cariad Mortgage Solutions to anyone."
Ekaterina Shekhter
"Highly recommend Beth as a first time buyer I was confused at the whole mortgage process. Beth explained everything down to the letter and really took the time to get to know me and my situation, helping me pick a mortgage deal that was best suited to me and explained future steps as well top service Thanks again."
Dafydd Richmond
"Amazing mortgage advice. Beth got us a fantastic deal, and made sure we understood every part of the process. As first time buyers we had no idea what we were doing. But Beth was amazing and explained everything to us. We found it easy to keep in touch and she was very responsive. She really put our minds at ease in what is a stressful time. We cannot recommend her enough. If you’re buying a property, you need to contact Cariad mortgage solutions."
Carys Clayfield
Let's make your mortgage journey simple and stress-free
Your mortgage advice should never be a one-size-fits-all approach; it needs to be tailored to you, your dreams, and your goals. It's about finding the right path with someone who truly understands the weight of this decision. After all, this isn’t just about numbers, it’s about your future.
Book your free consultation todayTailored advice, just for you
No two clients are the same, and neither are our solutions. We take the time to understand your goals, whether you’re buying your first home, remortgaging, or navigating complex income. You’ll get advice that’s personal, practical, and right for your situation, not a one-size-fits-all approach.
Stress-free process from start to finish
Mortgages can be overwhelming, but they don’t have to be. We’ll break everything down into clear steps, chase documents on your behalf, liaise with solicitors, and keep you updated throughout. You can relax knowing someone’s in your corner, doing the legwork for you.
Independent, honest and always on your side
We’re not tied to any one lender, which means we work for you, not a bank. Our advice is based on what’s genuinely best for you. No pressure, no jargon, no hidden agenda. Just honest guidance with your best interest at heart.
"Honestly we couldn’t recommend Beth enough, nothing was too much to ask! We are so appreciative of everything you have done for us and the way you kept us at ease through the whole process 😊 thank you so much Beth, we will always be so thankful! Xxx"
Chelsea Taylor
"We have used Beth for two separate Mortgages, most recently under her own business, Cariad Mortgages – Beth has been amazing on both occasions, understanding, has an open channel of communication and answered queries promptly whilst dealing swiftly with any issues that arise – would definitely recommend ! 🏠"
Matt Ridler
"Beth has helped me in more ways than one! Not only incredible customer service she offers but she is always there at the end of the phone and super reliable. Buying our house is a massive decision that doesn’t always come easy but Beth made our dream come true and was such an easy process from start to finish. Thank you SO MUCH!! Xxx"
Charley Bedwell
Swansea mortgage services
Cariad Mortgage Solutions provide tailored mortgage advice and services. Everything we offer is matched exactly to your needs.
Book your free consultation todayFirst-time buyer mortgages
Step-by-step guidance to help you secure your first home with confidence, making sense of the process, paperwork, and product choices.
Remortgaging
Whether your deal is ending or you’re looking to borrow more, we’ll help you find the most suitable remortgage solution to save money or support your next goal.
Home mover mortgages
From porting your mortgage to finding a brand-new deal, we’ll make your next move as smooth as possible, with expert advice and full application support.
Self-employed mortgages
Specialist support for sole traders, limited company directors and contractors. We understand your income and know how to present it to lenders.
Buy-to-let mortgages
Whether you’re starting or expanding your portfolio, we offer straightforward advice on buy-to-let options, rental calculations and limited company lending.
Adverse credit mortgages
Missed payments, defaults or CCJs? We specialise in helping clients with imperfect credit find real mortgage solutions, not just rejections.
Later life lending & equity release
Looking to access funds in retirement or support your family? I offer honest, sensitive advice on later-life mortgage options, including Equity Release, always with your long-term wellbeing in mind.
Mortgage protection
Life cover, critical illness and income protection advice tailored to your family, your income and your plans, giving you peace of mind when you need it most.
FAQs
Understanding the mortgage process is tricky business. Take a look at the questions we often get asked. Have a question of your own? Please, get in touch.
Do you charge fees for your services?
Yes, I do charge a fee for mortgage advice, and this will depend on your individual circumstances. I’ll always be transparent about any costs from the outset, so there are no surprises.
How much can I borrow, and what will it cost?
This depends on your income, credit history, deposit, and overall financial position. I’ll assess your affordability and provide clear guidance on what you can borrow, what your repayments might be, and any associated costs.
How do you differ from going directly to a bank?
Unlike a bank, which can only offer their own products, I search a wide range of lenders to find the most suitable mortgage for you. You also get personalised support throughout – no call centres, no being passed around, just me by your side.
What types of mortgages do you offer?
I advise on a full range of mortgage types – including fixed, variable, tracker, interest-only, offset, buy-to-let, and equity release. Whatever your needs, I’ll help you find the right fit.
Can you assist with remortgaging or buy-to-let properties?
Absolutely. I regularly help clients remortgage for better deals, home improvements or debt consolidation – as well as investors looking to expand or refinance their property portfolios.
Do you offer protection or insurance advice?
Yes and it’s a vital part of the service. I offer tailored advice on life insurance, critical illness cover, income protection, and family income benefit, making sure you and your loved ones are protected, whatever happens.
What documents do I need to provide?
Typically, I’ll need proof of ID, proof of address, payslips or self-employed accounts, bank statements, and evidence of your deposit. Don’t worry, I’ll give you a personalised checklist to make it easy.
How do I start the process, and what’s the next step?
Just get in touch for a free, friendly chat. We’ll go through your plans, I’ll explain your options, and if you're happy to move forward, I’ll handle the paperwork and support you every step of the way.
Are you regulated, and can I trust your services?
Yes – I am authorised and regulated by the Financial Conduct Authority (FCA), under reference number 1031774. You can feel confident knowing you’re receiving advice from a qualified professional who’s held to the highest standards of ethics, transparency, and client care.
What happens if I miss mortgage payments?
Missing payments can have serious consequences, including damage to your credit file or risk of repossession. If you're struggling, speak to your lender as soon as possible – and I can also point you toward support and solutions.
Have a question about your mortgage application?
Get in touch with all your mortgage questions. Prefer to talk in person? Arrange a call and we can chat through your needs in more detail.
Ask a questionWhy Cariad? Because you deserve more than just a mortgage – you deserve to feel supported.
Beth Thomas BSc, CeMAP, CeRER
Get in touch
Book a free consultation or asked a mortgage related question using the form below.
Book an appointment