Independant Mortgage House

read moreFounded in 1999, Independent Mortgage House has grown to be one of South Wales' foremost mortgage brokers. We have over 40 years collective industry experience ensuring you receive the best advice possible. We have an office based near the centre of Cardiff, in Cowbridge Road East, Canton. We can arrange a convenient meeting for you at our office, at work, or in the comfort of your own home. Our office is open 6 days a week. One advantage our company provides over many of its rivals, is that our service can be provided in our national language, Welsh, if required.

read moreBecoming unemployed can cause many problems, not least the fact that there simply may not be any money to pay the bills. Most people will agree that their home is their most important material possession, yet if mortgage payments cannot be made, the security of a home can be taken away. You cannot rely on state help to cover your mortgage payments if you cannot work. There is no help for the first nine months of unemployment or disability for mortgages taken since October 1995. Existing borrowers only qualify for benefit if they qualify for Income Support.

read moreThe most common type of mortgage is the repayment mortgage. Offering the greatest simplicity, your monthly repayments cover both the capital and the interest on the loan, so that at the end of the term you have nothing more to pay. No other investments are required, but it makes sense for you to consider taking out life assuance in case you die before the mortgage is paid. Your monthly repayments cover the interest - not the capital - of your home loan. The full amount of the loan is repaid by putting additional funds in long-term investments, many of which currently come with tax advantages.

read moreFew, if any, material possessions in life are more important than the roof over our heads and the belongings we treasure within. That is why we have compiled an exclusive guide to home insurance to help you secure the right protection. Buildings insurance is of vital importance - for example, if your house burnt down do you have the money to cover your losses? Mortgage providers insist that you have building insurance so that in the event of a disaster it can be repaired or rebuilt, as lenders don't want to be left without security for their loan.