Home Is Where The Heart Is

Mortgage Advice in Swansea, With 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."

"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."

"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."

"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"

"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 ! 🏠"

"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"

Do you charge fees for your services?

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What types of mortgages do you offer?

Can you assist with remortgaging or buy-to-let properties?

Do you offer protection or insurance advice?

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How do I start the process, and what’s the next step?

Are you regulated, and can I trust your services?

What happens if I miss mortgage payments?

Why Cariad? Because you deserve more than just a mortgage – you deserve to feel supported.

I am Beth Thomas, founder of Cariad Mortgage Solutions.

I launched Cariad because I believe mortgage advice should feel less like a financial transaction and more like a conversation with someone who genuinely cares about your future.

My background in psychology and counselling has shaped the way I work with clients. I understand that navigating the mortgage process can feel overwhelming, especially if you are a first time buyer, self employed, moving home, remortgaging, or have faced credit challenges in the past.

My approach is simple. I listen first, explain clearly, and guide you with patience, honesty and without judgement.

Cariad is the Welsh word for love, and love is at the heart of everything this business stands for. Love for the communities we serve across Swansea, South Wales and beyond. Love for helping families find their home. Love for giving people confidence when they feel unsure. Love for doing this work properly, with your best interests always at the centre.

I am a qualified mortgage and protection adviser, holding CeMAP and CeRER qualifications, with over a decade of experience helping clients understand their mortgage and protection options. Over the years, I have supported first time buyers, home movers, self employed clients, landlords, families, clients with credit challenges and people later in life looking at their options.

Outside of Cariad, I am also a proud trustee of Faith in Families, a Swansea charity that supports children, families and communities across the local area. Giving back is a huge part of who I am, and I am proud to support charities and causes that make a real difference.

As part of my charity work, I have taken on major challenges, including trekking 100km across the Wadi Rum Desert in Jordan in 2023, 100km across the Sahara Desert in 2024, and completing the Mardi Himal Base Camp trek in Nepal in 2025.

These experiences have shaped me personally and professionally. They have taught me resilience, determination and the importance of showing up for people, even when things feel difficult.

That same care, commitment and determination sits at the heart of Cariad Mortgage Solutions.

This is not just about finding a mortgage.

It is about helping you make informed decisions that support your home, your family and your future.

Mortgage advice with heart, from someone who genuinely cares.

Beth Thomas BSc, CeMAP, CeRER

Founder, Cariad Mortgage Solutions