5-7 New Street
Pontnewydd
Cwmbran
NP44 1EE
\
The Woodlands
Mamhilad Park Estate
Pontypool
NP4 0HZ
At One2One Mortgage Solutions Cwmbran, we’re often asked, "How much can I borrow?" This is one of the most important questions to consider when starting your home buying journey.
The amount you can borrow depends on a few key factors:
Your income: Lenders assess your salary and any additional income to calculate what you can afford to repay.
Existing financial commitments: Credit cards, loans, and other monthly expenses are used to determine your debt-to-income ratio.
Credit history: A strong credit score can help you access better rates and increase the amount you may be eligible to borrow.
Deposit amount: A larger deposit means you’ll need to borrow less, which can improve your options.
Affordability checks: Lenders carry out stress tests to ensure you could still manage repayments if interest rates rise or your circumstances change.
At One2One, we offer personalised advice to help you understand exactly what you could borrow. We search the whole of the market to find a deal that suits your needs and guide you through the process from start to finish.
If you’d like a tailored borrowing estimate or to speak with a mortgage advisor in Cwmbran, get in touch with us today.
Here are some common questions that our customers ask.
A mortgage advisor (also known as a mortgage broker) helps you find the best mortgage deal based on your financial situation, goals, and eligibility.
We search the mortgage market on your behalf, comparing interest rates and lender criteria to recommend the most suitable mortgage options for your circumstances. Our advisors are fully qualified and provide expert guidance throughout the entire process, from initial consultation to mortgage application and approval. Whether you're a first-time buyer, remortgaging, or moving home, we aim to save you time, money, and hassle by offering clear, personalised advice.
No, we don’t charge a fee for residential mortgage advice. Our service is fee-free, which means we won’t charge you anything to help you find and secure the right mortgage. We believe in providing honest, straightforward advice with no hidden costs.
We offer access to a wide range of mortgages, including first-time buyer mortgages, home mover mortgages, remortgages, and buy-to-let mortgages. As a whole-of-market broker, we can search products from over 90 lenders to find the most suitable option for your needs.
Yes, we regularly support first-time buyers in Cwmbran and guide them through each stage of the mortgage process. From calculating how much you can borrow to securing the right mortgage and submitting your application, we’re here to make the journey smooth and stress-free.
Yes, our advisers are familiar with the local property market in Cwmbran. We tailor our advice based on average house prices, affordability, and current lending conditions in the area. This ensures the mortgage products are practical and relevant to your property search..
Yes, One2One Mortgage Solutions is a sister company to https://www.one2oneestateagents.co.uk/. By working together under one roof, we provide a seamless experience from property search to mortgage approval. It’s all handled within the One2One group to save you time and simplify the process.
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