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Mortgage Lending Companies in Cardiff: 57 Active Firms (2026)
Mortgage lending companies in Cardiff arrange, broker or fund property-backed loans across the city and surrounding metropolitan area.
Buying activity tends to sit with borrower-facing advice, property-investor finance and broker-to-lender intermediation, rather than a lender-only category. Most work is transactional: a homebuyer or landlord needs placement, affordability work, documentation and completion management; a developer or investor needs a secured facility packaged for a funder. Cardiff firms in this segment usually sell through referral networks and repeat local professional relationships, with fees or commission linked to successful placement. The customer base is mainly retail borrowers, landlords, small developers, brokers and professional introducers, so the sales motion is consultative and case-led rather than volume software-style acquisition.
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Cardiff has 57 actively trading mortgage lending firms in this list, giving the city a compact cohort rather than a deep national market. Reported employment totals 135 people, which fits an owner-managed, broker-heavy profile with small teams and limited balance-sheet lending. No company is reported above £5M in annual revenue, so the largest businesses are still SME-scale by turnover rather than institutional lenders. 18 were incorporated since 2022, suggesting recent formation has continued even though the revenue base remains modest.
Mortgage lending around Cardiff sits in a permissioned advice and credit-intermediation environment, with consumer home-finance cases carrying suitability, disclosure and affordability expectations. Landlord, investor and development finance can follow a different path: some cases are relationship-led commercial lending, while others still touch regulated advice because of the borrower or property use. That mix makes case triage important. Firms need to separate advisory work, packaged introductions, servicing income and lending exposure, especially where introducers such as estate agents, accountants and conveyancers generate pipeline.
Growth prospects appear tied less to lender formation than to referral density, underwriting access and how well smaller brokers handle affordability work. The cohort tends to be owner-managed, with scale-up scarcity and little visible evidence of large balance-sheet platforms. Consolidation may therefore come through adviser succession, network membership or acquisition of books rather than headline expansion. Margin pressure is likely to keep pushing firms towards specialist niches, including landlord cases, secured loans and development finance, where local knowledge and packaging discipline matter more than broad consumer reach.
57
Active firms
2026
18
Newer incorporations
Incorporated since 2022
0
Above £5M
Reported revenue band
Key facts
31% of the cohort was incorporated since 2022 (18 firms), so a sizeable share is in its first few filing cycles.
Cardiff mortgage-lending activity covers arranging, broking and funding property-backed loans for homeowners, landlords and businesses.
Mortgage availability sits close to housing transactions, remortgaging and small-scale property investment in the city and surrounding metropolitan area.
The local market appears to be shaped more by brokers, arrangers and specialist property-finance intermediaries than by large balance-sheet lenders.
Top Cardiff Mortgage Lending companies
DHG PROPERTY FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services, helping clients source and arrange residential, buy‑to‑let, limited company and remortgage loans. Also offers guidance on mortgage protection and…
Sells to consumers seeking residential property finance and protection, including first-time buyers, home movers, remortgage customers, buy-to-let and holiday-let borrowers, plus limited company…
Financial Health
StableStable · Hiring · 14% CAGR over 4y
Location
The Bridging Group
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsProvides short‑term property bridging loans for residential, commercial and semi‑commercial real estate transactions. Finances purchases, refurbishments, development projects, auction purchases,…
Sells to property investors, developers, brokers and homebuyers seeking short-term bridging finance in England and Wales. Serves borrowers needing funding for residential, commercial and…
Financial Health
StableStable
Location
KINGSWOOD PROPERTY TRADING LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsArranges finance for commercial and residential property projects, including development finance, stretch senior and mezzanine loans, preferred equity, bridging loans, commercial mortgages,…
Serves property developers, property investors, landlords and businesses seeking commercial or residential property finance, including buy-to-let, bridging and commercial mortgage customers.
Financial Health
StableStable · 0% CAGR over 4y
Location
Intelligent Financing Limited
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsArranges specialist property and business finance through broker networks, sourcing mortgages, bridging loans, second‑charge loans, buy‑to‑let mortgages and commercial lending from partner lenders…
Serves mortgage and finance brokers with clients including individual borrowers, trading businesses, and professional or commercial landlords.
Financial Health
StableStable · -3% CAGR over 3y
Location
GPS FINANCIAL LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsActs as a finance broker arranging property-related lending, including bridging loans, development finance, buy‑to‑let and commercial mortgages. Also sources asset and business finance such as…
Serves property investors, landlords, developers and homebuyers seeking specialist finance, including expats, foreign nationals and non-UK residents. Also sells to businesses needing commercial…
Financial Health
StrongStrong · 41% CAGR over 2y
Location
ABC Finance
Trajectory
2y · 2020–NowFinancial sub-scores
Computed from 2 filingsArranges property and business finance products, including bridging loans, secured and homeowner loans, commercial mortgages, buy‑to‑let and development finance. Also provides invoice finance, asset…
Serves UK homeowners, landlords, property investors and developers, plus SMEs seeking business, invoice, asset or commercial property finance, including self-employed applicants and borrowers with…
Financial Health
StableStable
Location
GOBEAR LOANS LTD
Trajectory
3y · 2024–NowFinancial sub-scores
Computed from 3 filingsProvides mortgage brokerage and financial advice, arranging residential and buy‑to‑let mortgages, remortgages, second charge mortgages, secured and unsecured loans, bridging finance, equity release…
Serves consumers seeking personal mortgage and finance advice, including homebuyers, remortgagers, landlords with buy-to-let properties, homeowners needing secured or unsecured loans, and over-55s…
Financial Health
HealthyHealthy · Growing, Hiring · 6% CAGR over 2y
Location
CORNERSTONE CAPITAL FINANCE LIMITED
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsProvides mortgage brokerage and financial advisory services for individuals, landlords and businesses. Services include residential mortgages, remortgaging, equity release, life and income protection…
Serves individuals and families, businesses and landlords, plus mortgage and protection advisers, appointed representatives and introducers looking to join a finance network.
Financial Health
StableStable · -78% CAGR over 3y
Location
Raise Capital
Provides commercial finance brokerage, arranging property development loans, bridging finance, commercial mortgages, and business lending. Acts as intermediary between borrowers and banks or…
Serves HNW and UHNW individuals, property developers and corporates seeking £1m+ UK commercial, property or business finance, including international non-residents borrowing in the UK.
Financial Health
Insufficient historyInsufficient history
Location
ALBANY FINANCIAL LTD
Trajectory
1y · 2023–NowFinancial Health
Insufficient historyInsufficient history
Location
MARTIN LEON DIX LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
HealthyHealthy · Profitable · 0% CAGR over 3y
Location
RANDALL AND JAMES FINANCIAL SERVICES LTD
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
IW Financials Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak
Location
CITY FINANCIAL NO1 LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing · 0% CAGR over 4y
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
Ezra Finance Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong · Hiring · 22% CAGR over 2y
Location
M4 MORTGAGES LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak · 0% CAGR over 4y
Location
First In Mortgages Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Home Equity Release Limited
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
WeakWeak · 0% CAGR over 1y
Location
M G MORTGAGES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 4y
Location
Kingswood Mortgage Solutions Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
Wrights Mortgage Solutions Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed
Location
Whitchurch Mortgage Services Limited
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Hiring · 19% CAGR over 4y
Location
PRO FINANCE SOLUTIONS LTD
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
Mortgage 90 Ltd
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed
Location
Complex Capital Limited
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
LH Mortgages Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak · 0% CAGR over 2y
Location
A.S MORTGAGE BROKER LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
Celtic Finance Ltd
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StrongStrong · Hiring · 26% CAGR over 3y
Location
CHASEBLUE LOANS LTD.
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides loan brokerage and financial consultancy services to mortgage brokers and financial intermediaries. Arranges first and second charge mortgages, bridging finance, and commercial property…
Serves B2B professional financial intermediaries and mortgage brokers referring residential, buy-to-let, bridging and commercial finance cases for their clients.
Financial Health
StableStable · -66% CAGR over 4y
Location
RED Kite Lending
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsProvides short‑term property finance including bridging loans, refurbishment loans, and development finance for landlords, property developers, and investors, funding property purchases, renovations,…
Sells to UK professional landlords, property developers and property investors seeking short-term bridging, refurbishment or development finance. Also serves intermediaries introducing lending cases.
Financial Health
StableStable · 0% CAGR over 2y
Location
CHARLES FRANK FINANCE LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides mortgage brokerage and finance advisory services, arranging residential, buy‑to‑let, second charge, bridging and commercial mortgages. Also brokers protection insurance products including…
Serves UK homebuyers and remortgagers, buy-to-let landlords and property investors, plus businesses seeking commercial or bridging finance and introducers referring mortgage cases.
Financial Health
StableStable · -29% CAGR over 3y
Location
M5 ASSOCIATES LIMITED
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides asset‑backed lending for property development and commercial projects. Offers development finance and short‑term bridging loans secured against residential or commercial property and land,…
Serves experienced property developers and commercial borrowers seeking asset-backed development or bridging finance, particularly projects with owned land/planning consent and funding needs below…
Financial Health
StableStable · -21% CAGR over 3y
Location
Mortgage 2 Match Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
Foxy Financial Services Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · 0% CAGR over 3y
Location
KJP FINANCIAL LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · -29% CAGR over 2y
Location
AMPLE MORTGAGES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advisory services for home purchase, remortgaging, buy‑to‑let and specialist borrower groups. Also arranges insurance products including life insurance, income…
Serves individual consumers seeking mortgage advice, including first-time buyers, home movers, remortgagers, buy-to-let landlords, over-50s, IT contractors, doctors, police personnel, and RAF or…
Financial Health
HealthyHealthy · Hiring · 19% CAGR over 4y
Location
MORGAN FINANCIAL SOLUTIONS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and financial advice, including assistance with first-time buyer mortgages, remortgages, buy‑to‑let and equity release. Also arranges life, property, income protection and…
Serves UK consumers including first-time buyers, home movers, remortgagers, buy-to-let investors and equity release customers, plus businesses seeking commercial property finance or insurance.
Financial Health
StableStable · 0% CAGR over 5y
Location
APR Mortgages Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides mortgage brokerage and advice services, helping customers arrange residential, remortgage and buy‑to‑let loans through a panel of lenders. Also advises on protection products including life…
Serves UK consumers seeking mortgage-related guidance, including first-time buyers, home movers, remortgagers, buy-to-let landlords and over-50 borrowers, as well as people considering protection…
Financial Health
StableStable · -7% CAGR over 4y
Location
ARK COMMERCIAL FINANCE LTD
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
HealthyHealthy · 0% CAGR over 1y
Location
SOUTH WALES MORTGAGES LTD
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
Endemeo Limited
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
SMART LET WALES LTD
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · -90% CAGR over 2y
Location
Mortgage Sure Ltd
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · -16% CAGR over 4y
Location
Rapport Financial Planning Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsProvides financial planning and advisory services including mortgage advice for home purchase, remortgaging and buy‑to‑let, secured loans, insurance and protection policies, pension and investment…
Serves individuals and households, including first-time buyers, home movers, remortgagers, homeowners, landlords, buy-to-let investors and people planning for retirement or inheritance.
Financial Health
StrongStrong · Growing, Hiring · 6% CAGR over 5y
Location
Ethos Financial Management Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Hiring · 11% CAGR over 4y
Location
Phillips Property Finance Limited
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
HealthyHealthy · 0% CAGR over 3y
Location
TPT PMM 2024 LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
NOTEBOOK MONEY LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · Hiring · 41% CAGR over 4y
Location
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How Cardiff Mortgage Lending companies work and how to sell to them
What they do
Cardiff mortgage lending firms usually monetise completed cases rather than ongoing account usage. Broker-led businesses earn procuration fees, client advice fees or referral income when a mortgage, secured loan or property-finance facility completes. Lender-side and packaging models may add arrangement fees, interest margin, servicing income or exit fees, depending on whether they hold risk or place cases with third-party funders. Engagements are shaped by property type, borrower profile and documentation burden: a straightforward residential remortgage is a different commercial exercise from a landlord portfolio or development facility. Revenue is therefore lumpy, pipeline-dependent and exposed to completion delays, valuation issues and changing affordability outcomes.
Who they sell to
Most Cardiff firms sell to borrowers and local intermediaries rather than central procurement teams. Typical buyers include homebuyers, landlords, property investors, small developers, estate agents, accountants, conveyancers and other brokers needing placement for a specialist case. Decision-makers are often the borrower, an owner-director, a finance lead in a small property business or a professional introducer controlling referral flow. Contract value is linked to loan size and completion probability, so sales cycles tend to follow property-transaction milestones rather than fixed software-style buying windows. Direct advice, repeat referrals and network membership matter more than tendering, although larger commercial borrowers may compare terms across several funding routes.
What they buy
Most mortgage lending and brokerage firms tend to spend on systems that reduce case friction and protect regulated processes. Case-management software, CRM, document collection, e-signature, client portals, affordability workflow, compliance monitoring, call recording and secure file storage are natural categories. Lead management and local search marketing can matter where firms depend on consumer enquiries, while relationship-led brokerages may prioritise referral tracking and introducer reporting. They also buy professional indemnity cover, legal support, accounting, payroll, recruitment and outsourced administration. Businesses that touch lending operations may need credit decisioning support, valuation workflow, arrears servicing, cyber security and cloud infrastructure, though smaller advice-led firms often prefer lighter tools with low implementation burden.
Why and how to sell to them
Cardiff mortgage lending buyers tend to evaluate suppliers when case volumes rise, adviser headcount changes, a referral partnership starts to produce more pipeline, or compliance workload becomes awkward for a small team. Other triggers include moving into landlord, secured-loan or development-finance work, where documentation, triage and lender matching become more demanding. Outbound tends to work better when it speaks to completion rates, adviser time, audit readiness and introducer responsiveness, rather than abstract efficiency. A useful pitch usually recognises that many firms are owner-managed: short implementation, clear pricing, low administrative overhead and evidence that the service fits regulated, case-led property finance will carry more weight than enterprise language.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
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Frequently asked questions
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