One2One Mortgage Solutions

Fee-Free Mortgage & Remortgage Advice in Cwmbran

Whole of Market. No Broker Fee. Local Experts. Looking for reliable, fee-free mortgage advice in Cwmbran, Llanyravon, Croesyceiliog, Greenmeadow or nearby areas? One2One Mortgage Solutions is your local whole-of-market mortgage and insurance broker, meaning we have access to over 90 lenders. We provide honest, straightforward advice with no broker fee. Whether you're buying your first home, remortgaging your current property or investing in a buy-to-let, we’ll help you find the right mortgage for your needs. Based in Pontnewydd, Cwmbran, our team offers a professional and personal service backed by over 40 years of combined experience. Local Cwmbran Mortgage Advice with No Hidden Costs At One2One Mortgage Solutions, you won’t pay a broker fee. We’re paid a commission by the lender once your mortgage completes, but we never charge our clients a fee for our advice or support. ✔ Fee-free advice from qualified advisers ✔ Whole of market access to over 90 lenders ✔ 5-star service with local knowledge ✔ Appointments at our office or at your home ✔ Trusted throughout Cwmbran and across South Wales Mortgage Services We Offer First-time Buyer Mortgages One2One Mortgage Solutions specialises in first time buyer mortgages. We can help to find you the most appropriate first time buyer mortgage deal to meet your situation. Remortgages Whether you're looking to save money, release equity or lock in a better rate, we’ll search the market to help you remortgage with confidence. Buy-to-Let Mortgages Thinking about investing in property in Cwmbran? We can help you explore competitive buy-to-let options and walk you through each stage with expert advice. Serving Cwmbran and Beyond We’re proud to support clients across: Cwmbran, Llanyravon, Croesyceiliog, Greenmeadow, Henllys, Llantarnum and the wider Torfaen region. Appointments can be arranged at our Pontnewydd office. We fit around your schedule to make the process as easy as possible. Why Choose One2One Mortgage Solutions? • No broker fees. • Access to over 90 lenders from across the whole market • Friendly, professional advice with local knowledge • Fully qualified advisers and dedicated admin support • A 5-star Trustpilot rating from happy clients across Gwent From the first conversation through to completion, we’ll be with you every step of the way. And we do it all with no fee for our advice.

5-7 New Street

Pontnewydd

Cwmbran

NP44 1EE

The Woodlands

Mamhilad Park Estate

Pontypool

NP4 0HZ

01633 866088 or 01495 781800

How much can I borrow for a mortgage?

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.

As a general guide, most people can borrow around 4 to 4.5 times their annual income, but this varies based on your individual situation.

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 an advisor in Cwmbran, get in touch with us today.

Frequently Asked Questions

Here are some common questions that our customers ask.

What does a mortgage advisor do?: 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.
Do we charge a fee for mortgage advice in Cwmbran?: No, we don’t charge a fee for standard 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.
What types of mortgages can we help you with in Cwmbran?: 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.
Can we help first-time buyers in Cwmbran?: 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.
Is our mortgage advice tailored to Cwmbran house prices?: 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..
Are we connected to One2One Estate Agents in Cwmbran?: 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.