Loan.wales
Independent mortgage broker

Compare UK mortgage deals

Whether you're buying your first home, remortgaging, or investing in buy-to-let, we search a wide panel of UK lenders to find a deal that fits your circumstances — including broker-exclusive and specialist products where available.

Soft search initially · No obligation · Call within 1 working day

50+

UK lenders searched

£5m

Maximum loan size

95%

Maximum LTV available

Rate shock warning

Is your fixed rate mortgage deal ending soon?

Thousands of Welsh homeowners who fixed at record-low rates in 2020–22 are now facing payment jumps of £300–£800+ a month. Add credit card debt, personal loans and car finance on top and the total can become unaffordable overnight.

£400+

Average monthly increase on a £200k mortgage moving from 2% to 5%

1.6m+

UK households facing mortgage payment shock in 2024–25

A secured loan can consolidate your unsecured debts into a single lower monthly payment — freeing up enough cash to absorb your new mortgage rate without stretching your finances.

Try our free Affordability Planner →

Free to use · No credit check · Results in 60 seconds

How it works

1

Tell us what you need

Answer a few quick questions about your mortgage — type, property value, deposit, and employment. Takes under 3 minutes.

2

We search the market

Our FCA-authorised advisers compare a wide panel of lenders, including broker-exclusive and specialist products, to find a deal that fits your circumstances.

3

You receive tailored options

We call you within one working day with personalised mortgage options and walk you through the next steps — no jargon, no pressure.

Who we can help

First time buyers — step-by-step support from start to completion
Remortgagers — switch to a better rate and save money
Product transfers — move to a new deal at the end of your term
Buy-to-let investors — residential and portfolio landlords
Self-employed applicants — SA302s, accounts, and complex income
Adverse credit — missed payments, defaults, CCJs considered
High earners — larger loan-to-income multiples available
Later life — mortgages for borrowers into retirement
Specialist mortgages

Clients who don't always fit the mould

Home ownership isn't one size fits all. Our Residential mortgage range is built to support people who may not meet traditional high street criteria — and there are more of them than you'd think.

Self-employed

One or two years' accounts, sole traders, contractors and limited company directors — we know how to present your income correctly to the right lender.

Unusual income

Commission, bonuses, overtime, rental income, benefits, foreign currency earnings — we work with lenders who take the full picture into account.

Credit history

Missed payments, defaults, CCJs or even previous bankruptcy. We have access to specialist lenders across the whole spectrum — no application declined without exploring all options.

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Common questions

Ready to find a mortgage rate that fits you?

Get a free, no-obligation call from a mortgage adviser — within one working day.

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