How can I help?
First Time Buyers
Buying your first home is one of life’s biggest milestones—exciting, emotional, and often overwhelming. It’s not just a financial commitment; it’s the foundation of your future. That’s why having the right guidance from the start is so important.
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At Creating Mortgage Solutions, we’ve helped countless first time buyers turn their dream of homeownership into reality. We understand how confusing the mortgage process can feel, especially when it’s all new. That’s why we provide clear, honest advice—cutting through the jargon and helping you make informed, confident decisions.
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You might be tempted to go straight to your bank, but that doesn’t always mean you're getting the best deal. As whole-of-market mortgage brokers, we have access to a wide range of lenders and products to find the right mortgage that truly suits you.
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For many, the first mortgage is the most important one—and we’re here to make sure you start on the right foot.
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Let us guide you home.
Bad Credit Mortgages
If you’ve been turned down for a mortgage due to bad or adverse credit, don’t lose hope. At Creating Mortgage Solutions, we believe that past financial difficulties shouldn’t stop you from moving forward—and we’re here to help make what feels impossible, possible.
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We work closely with a panel of specialist lenders who understand that life isn’t always straightforward. These lenders look beyond just your credit score, taking into account your current income, financial stability, and individual circumstances.
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While some bad credit mortgages may come with slightly higher rates or require a larger deposit, there are now more competitive options than ever. We’ll take the time to understand your situation and source a suitable product you’re unlikely to find by going directly to a bank.
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Whether you're recovering from defaults, CCJs, missed payments, or other credit issues, our expert mortgage advisers in Barry and Cardiff are here to guide you with honesty, empathy, and tailored solutions.
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Let’s turn your challenges into opportunities—get in touch today for trusted mortgage advice.
Remortgage
Remortgaging Made Simple – Switch, Save & Take Control
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Remortgaging means switching your current mortgage deal—often to a new lender—to get a better rate, release equity, or manage your finances more effectively. Many homeowners choose to remortgage simply because their initial fixed or discounted rate has ended, and they want to avoid moving onto a higher standard variable rate.
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By reviewing your options, you could secure a lower interest rate and reduce your monthly payments. Remortgaging can also be a smart way to consolidate debts, helping to ease the pressure of credit card balances or other regular outgoings by combining them into one manageable payment.
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Whatever your reason—whether it's to save money, free up funds, or gain financial clarity—our expert mortgage advisers in Barry and Cardiff are here to guide you through the process from start to finish, with honest advice and access to a wide range of lenders.
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Let us help you make your mortgage work harder for you.
Buy To Let
Buy to Let Mortgage Advice – For New & Experienced Landlords
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The Buy to Let (BTL) mortgage market continues to grow and evolve—but navigating the rules can be complex, especially for first-time landlords. Whether you're purchasing your first rental property or expanding your portfolio, it's essential to understand how Buy to Let mortgages differ from standard residential mortgages.
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You can purchase a Buy to Let property either as an individual or through a limited company. When assessing your application, lenders consider several key factors:
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Rental income potential – Approval is typically based on expected rental income and the terms of any tenancy agreement.
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Top slicing – In some cases, your personal income may be used to cover any shortfall in rental income.
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Your classification as a Regulated BTL, Consumer BTL, or Portfolio Landlord – each with its own criteria and implications.
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With so many variables, it’s important to get expert advice from a broker who understands the Buy to Let landscape. At Creating Mortgage Solutions, we help landlords in Barry, Cardiff, and across South Wales secure the right BTL mortgage for their goals.
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Please note: Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Protection Plans
Protect What Matters Most – Honest, Tailored Protection Advice
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It’s easy to think, “It won’t happen to me” or “I’ll sort it later”—but when it comes to protecting your home, income, and loved ones, there’s rarely a better time than now.
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At Creating Mortgage Solutions, we believe mortgage advice doesn’t stop once your loan is approved. As an advice-led firm, we see it as our duty to ensure not only that your mortgage is affordable today—but that it remains so, even if life throws unexpected challenges your way.
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There are many types of protection policies available, from life cover and critical illness protection to income protection and policies for redundancy or serious illness. Choosing the right one can be overwhelming—but that’s where we come in
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Whether you're looking to secure your assets, safeguard your income, or gain peace of mind for your family’s future, we’ll help you find the policy that best suits your needs. Our advice is always honest, clear, and based entirely on what’s right for you.
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Protect your future—speak to our trusted advisers in Barry and Cardiff today.
New Build Properties
Expert Mortgage Support for Your New Build Purchase
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Buying a new build home is an exciting step—and if you're looking for expert support at every stage of the journey, we’re here to help.
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We understand the urgency that often comes with new build purchases. Homebuyers want to move quickly so they can begin planning their future, while builders and developers are equally keen to secure swift, confirmed sales to manage timelines and budgets effectively.
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With many developers now requiring exchange of contracts within just 28 days of an offer being accepted, having a knowledgeable mortgage adviser on your side can make all the difference.
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At Creating Mortgage Solutions, we’ll guide you through every step of the process—helping you secure the right mortgage deal, prepare your paperwork, and meet tight deadlines with confidence. Whether you're a first-time buyer, moving home, or purchasing through a scheme like Help to Buy Wales, we ensure the entire process is as smooth and stress-free as possible.
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Let us take the pressure off—speak to our new build mortgage experts in Barry and Cardiff today.