Vinita Yadav – Your Trusted Mortgage Broker in Cardiff

Are you looking for expert mortgage brokers in Cardiff to guide you through buying a home or refinancing? I’m Vinita Yadav, a dedicated mortgage and protection adviser committed to helping individuals and businesses find the right mortgage solutions tailored to their needs.

With years of experience in the property market, I offer expert guidance to simplify the mortgage process. I aim to provide clear and practical advice, ensuring you make informed choices about your mortgage options.

As a property investor and broker based in Cardiff, I have extensive knowledge of the South Wales property market. My journey began by assisting friends and family with property investments, which led to the creation of VKY Lettings, a property management company, and VKY Finance, where we provide tailored mortgage and protection solutions.

Cardiff is one of the key areas where Vinita Yadav offers expert mortgage services. Based in Glamorgan, she brings a strong understanding of local lending criteria. Whether you’re buying or refinancing, she supports clients across Cardiff and surrounding towns.

Tailored Support for Commercial and Semi-Commercial Mortgages

Vinita Yadav helps clients in Cardiff secure commercial and semi-commercial mortgages. She works with lenders who understand mixed-use and business property requirements. Whether it’s a retail unit with flats above or a part-commercial warehouse, she finds suitable options that meet UK lender expectations.

Buy-to-Let Advice with Local Knowledge

Buy-to-let opportunities in Cardiff continue to grow. Vinita supports landlords with purchases, remortgages, and portfolio expansion. She explains lender rules clearly, including income stress testing and minimum rental yields. Whether buying through personal name or limited company, her advice is always up to date.

Specialist Guidance on HMOs

For Cardiff landlords running Houses in Multiple Occupation (HMOs), tailored mortgage advice is essential. Vinita works with lenders who consider properties with multiple tenants. She assists with properties that need licenses and meets lender criteria for bedroom sizes and fire safety.

Bridging Finance Made Clear

Bridging finance is useful when timing matters. Vinita helps clients in Cardiff access short-term finance for auction purchases, chain breaks, or refurbishment needs. She explains how open and closed bridging loans work. Whether the exit is sale or refinance, she ensures all lender terms are clear before you apply.

Bridging lenders often look at property type, location, and proposed timescales. Vinita helps gather documents like valuations, solicitor reports, and refurb plans. This improves approval speed and reduces delays.

Limited Company Mortgage Solutions

Limited company mortgages are increasingly common in Cardiff. Vinita supports clients who buy rental properties through SPVs (special purpose vehicles). She guides clients through lender expectations for SIC codes, personal guarantees, and company structures.

General Insurance That Protects Investment

Vinita also arranges general insurance cover. This includes buildings, contents, and landlord policies tailored to Cardiff properties. She ensures you understand exclusions and claims processes, whether insuring a commercial unit or HMO.

FCA-Regulated Advice You Can Trust

As a fully regulated broker, Vinita offers advice that follows UK mortgage standards. Her recommendations are always based on your needs, not commission. You’ll get clear terms, no jargon, and step-by-step support from enquiry to completion.

Cardiff Service Area and Nearby Locations

Cardiff is at the heart of Vinita Yadav’s service area. Clients can also access her support from these nearby towns in Glamorgan:

• Barry

• Bridgend

• Caerphilly

• Pontypridd

• Llantrisant

• Penarth

Find a mortgage broker in Cardiff.

Why Choose a Local Mortgage Broker in Cardiff?

Working with a broker who understands Cardiff’s housing stock gives you an edge. Lender criteria can vary by postcode, property type, and income source. Vinita keeps up with local lender preferences and application turnaround times.