FCA Regulated • Independent • Whole of Market

Your Mortgage
Made Simple.

Expert, independent mortgage advice for South Wales and the West Country. Whether you're a first-time buyer, remortgaging, or investing in property — we find the right deal for you.

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Whole-of-Market Access FCA Regulated 5-Star Rated 500+ Clients Helped
Happy couple receiving mortgage advice
Best Rate Found3.99% Fixed
Application StatusApproved ✓
500+
Clients Helped
£85M+
Mortgages Arranged
15+
Years Experience
5★
Average Rating
What We Do

Mortgages for Every Stage of Life

From your first set of keys to growing your property portfolio, Apricot Mortgages has the expertise and whole-of-market access to find the perfect solution.

First-Time Buyers

We guide you through every step of buying your first home, explaining jargon and finding the best rates available.

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Remortgages

Coming to the end of your deal? We'll search the whole market to make sure you're on the best possible rate.

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Buy-to-Let

Expanding your investment portfolio? Our specialist advisors understand landlord mortgages inside out.

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Moving Home

Upsizing, downsizing or relocating? We handle the mortgage side so you can focus on the exciting part.

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Protection Insurance

Protect your home and family with the right life insurance, critical illness cover and income protection.

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Self-Build & Specialist

Building your own home or need a specialist mortgage? We have access to lenders others can't reach.

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View All Services
Why Apricot?

Independent Advice That Works For You, Not the Bank

Unlike banks who only offer their own products, we search the whole market to find you the best possible deal. Our advice is always independent, always honest, and completely focused on your needs.

Learn About Us
01

Whole of Market

Access to hundreds of lenders and thousands of mortgage products — not just one bank's range.

02

No Hidden Fees

Transparent, upfront pricing. You'll always know exactly what you're paying and why.

03

Local Expertise

We know the South Wales and West Country property markets inside out — it's our home too.

04

Personal Service

A dedicated advisor with you from first call to completion. Always available, never a call centre.

The Process

Getting Your Mortgage in 4 Simple Steps

We've made the mortgage process as straightforward as possible — with expert support at every stage.

1

Free Consultation

Book a free, no-obligation call or meeting. We'll listen to your situation and goals.

2

We Search the Market

Our advisors compare thousands of deals to find the best mortgage for your specific circumstances.

3

Application Made Easy

We handle all the paperwork, liaise with your lender and keep you informed throughout.

4

Keys in Hand

Completion day arrives and you get the keys — we celebrate with you and stay in touch for future needs.

Client Stories

What Our Clients Say

★★★★★

"Apricot Mortgages made buying our first home so much less stressful. They found us a brilliant rate and held our hand through the whole process. Couldn't recommend them highly enough!"

SR
Sarah & Rob T.First-time buyers, Cardiff
★★★★★

"I'd been putting off remortgaging for ages thinking it would be a hassle. Apricot sorted everything in a week and saved me over £200 a month. Wish I'd called sooner!"

MJ
Mark J.Remortgage client, Bristol
★★★★★

"As a landlord with multiple properties, I need an advisor who really understands buy-to-let. The team at Apricot are exceptional — knowledgeable, responsive and always get the best deals."

PW
Paula W.Portfolio landlord, Swansea
Coverage Area

Proudly Serving South Wales & the West Country

We're based in the region and know the local property markets well. Whether you're in the heart of Cardiff or a rural Somerset village, we're here for you — in person, by phone, or video.

Find Your Local Advisor
Cardiff Swansea Newport Bridgend Pontypridd Neath Port Talbot Merthyr Tydfil Bristol Bath Swindon Somerset Gloucester Cheltenham Wiltshire & Surrounding Areas
FAQ

Common Questions

Can't find the answer you need? Our advisors are happy to chat — no question is too small.

Ask Us Anything
Most lenders require a minimum deposit of 5–10% of the property's purchase price. However, a larger deposit (15–25%+) will usually give you access to better interest rates and lower monthly repayments. As independent advisors, we can assess your specific situation and find lenders who match your deposit level.
A mortgage offer typically takes 2–6 weeks from application, depending on the lender and complexity of your case. We'll keep you updated throughout and chase things up on your behalf to keep everything moving as quickly as possible.
Your initial consultation is completely free. We will clearly explain any advisory fee before you proceed — there are never any hidden charges. We also receive commission from lenders, which is always disclosed to you. We're proud of our transparent approach.
Yes, in many cases we can. We have access to specialist lenders who consider applications from people with adverse credit history, including missed payments, defaults and CCJs. Every case is different, so we'd encourage you to get in touch for an honest, no-judgement assessment.

Ready to Start Your Mortgage Journey?

Book a free, no-obligation consultation today. We'll assess your situation and find the best possible deal.

Book Free Consultation Call 01234 567 890