Find the Best Mortgage Brokers or Advisers in Wales
Find mortgage brokers in Wales listed by town. Welsh property purchases may use LTT rather than SDLT, and lenders can be selective on coastal, rural, and Welsh-language communities. Filter local advisers by specialisation and reviews, and always check FCA status on the register before sharing your details.
168
FCAFCA Brokers
104
TopTop Rated
1
Verified
4.8
AvgAvg Rating
There are 168 approved mortgage brokers in Wales, including 1 verified and 104 rated 4.5 or above. Top specialisations include Buy-to-Let, Commercial, Adverse Credit.
Directory snapshot — Wales
Directory data as of 1 June 2026
- Listed brokers
- 168
- Verified profiles
- 1
- Average rating
- 4.8 / 5
- Typical sold price (HPI)
- £214,883
Most common specialisations locally
FCA-regulated advisers
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Top 10 mortgage brokers in Wales
| # | Broker | Verified | Rating |
|---|---|---|---|
| 1 | Dean Vaughan Mortgages | 5.0 (39) | |
| 2 | Truffle Specialist Finance | - | |
| 3 | Morgan Financial Solutions | - | |
| 4 | Lifestyle Mortgages and Protection | - | |
| 5 | Adapt Mortgages | - | |
| 6 | Greymere Finance | - | |
| 7 | IM Mortgage Consultancy | - | |
| 8 | Paula Clement Mortgage & Protection Adviser | - | |
| 9 | Sasha Grant Financial Services Ltd | - | |
| 10 | Sterling Welsh Ltd | - |
Showing 10 of 168 brokers. Open the map to browse the full list.
Explore More Areas in Wales
Find mortgage brokers in different areas across Wales
Market data for Wales
House price figures from the UK House Price Index. For the Bank of England base rate, see our dedicated page (also in the site footer).
Market data panel
Unified 10-year view: average price, annual change, and current property-type levels in one chart.
Time window
June 2016 to January 2026
10 years window mean: £175,569 · Annual change mean: 4.8%
LHS shows monthly average prices in GBP; RHS shows monthly year-on-year % change. Dashed horizontal lines show latest property-type levels (December 2025).
Source: HM Land Registry UK House Price IndexUpdated: 01/06/2026
About Wales
Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.
Local snapshot
Wales lists 50 FCA-regulated mortgage brokers on Mortgage118 (1 verified). Typical sold prices here average £214,883 — up 5% year-on-year.
Wales saw modest 0.7% growth in 2025. The market varies significantly between South Wales (Cardiff, Swansea) and more rural areas. Second-home surcharges introduced by the Welsh Government have cooled parts of the market.
What local advisers focus on
Together they cover Buy-to-Let, Commercial, Bridging, HMO, First Time Buyers, Help to Buy — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.
Quick answers
- How many mortgage brokers are in Wales?
- 50 FCA-regulated firms are listed for Wales; 1 have verified profiles. Common focus areas include Buy-to-Let, Commercial, Bridging, HMO, First Time Buyers.
- What do typical property prices look like in Wales?
- The average price in our data is £214,883 (up 5% year-on-year). Wales saw modest 0.7% growth in 2025. The market varies significantly between South Wales (Cardiff, Swansea) and more rural areas. Second-home surcharges introduced by the Welsh Government have cooled parts of the market.
- Why use a mortgage broker in Wales instead of only my bank?
- Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Wales often know which underwriters are comfortable with nearby property types and survey quirks. Wales has different stamp duty rules (Land Transaction Tax) with different thresholds than England. A broker experienced with Welsh property transactions ensures you don't overpay on tax or miss available reliefs.
- What does mortgage advice typically cost in Wales?
- Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
- What should I check before choosing a broker in Wales?
- Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Bridging), and read reviews. You want plain-English options, not a single “take it or leave it” product.
Prices and rates
Typical prices £214,883.
Annual movement about 5% (rising).
Mix of home types (averages)
- Detached: £334,835
- Semi-detached: £214,549
- Terraced: £172,365
- Flats: £130,402
- First-time buyer purchases: £184,934
Borrowing costs in context
The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.
Choosing advice
You can compare 50 firms side by side (1 verified on-site). 4 show 10+ years trading history.
Collective review score is 5.0/5 across 1 brokers with ratings — use it alongside specialisms and fee transparency.
Strongest demand on our list is for Buy-to-Let, Commercial, Bridging, HMO. Buy-to-let and HMO work shows landlords are still active around Wales.
Street-level detail
Prices moved about 5% year-on-year (up), which can affect loan-to-value bands and seller expectations.
On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.
Most offer a no-obligation first call so you can sense-check strategy before paying anything.
From application to completion
- Shortlist two or three firms from the list above that match your situation (Wales is already filtered for you).
- Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
- Book a first call — use it to test clarity and responsiveness, not just the rate quote.
- Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.