Cardiff contractors — media, fintech and public sector.
Cardiff combines a major media and broadcast cluster, a growing fintech and insurance sector, and a large public-sector and professional base. Its contractors — producers, developers and consultants — need lenders that read a day rate, and advice that understands buying a home in Wales. As a whole-of-market, FCA-authorised brokerage, we place Cardiff and South Wales contractors.
Why Cardiff contractors need a specialist
Cardiff's media, fintech and public-sector employers create a varied day-rate and freelance workforce. Specialist lenders assess the contract or net profit rather than years of accounts — and we handle Wales's distinct Land Transaction Tax rather than stamp duty.
Buying a home in Wales
Wales charges Land Transaction Tax (LTT) instead of stamp duty, with its own bands. We factor it in and guide Cardiff contractors through the purchase.
Sectors we see most in Cardiff
Media and broadcast freelancers and contractors, fintech and insurance developers, and public-sector and professional consultants. See IT contractors and sole traders.
We work with Cardiff contractors remotely
No office visit needed — we advise by phone, video and email around your contract. See the areas we cover.
Lenders we place Cardiff contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Cardiff, answered
Can I get a mortgage as a contractor in Cardiff?+
Yes. Specialist lenders assess your day rate or net profit rather than years of accounts, whether you're in media, fintech or the public sector.
Is buying a home in Wales different?+
You pay Land Transaction Tax (LTT) rather than stamp duty, with its own bands. We factor it into your plan.
I'm a media freelancer in Cardiff — how am I assessed?+
Freelancers are usually assessed on net profit from self-assessment; day-rate contractors on their annualised rate.
Do you cover the wider South Wales area?+
Yes, we cover Cardiff, Newport, the Valleys and the wider region, advising remotely.
Do I need to meet in person?+
No. We advise Cardiff contractors by phone, video and email, around your hours.