First-time buyer
A first home in Cardiff
The published average for Cardiff local authority was £271,166 in April 2026. That is an area statistic, not the price of a home you have found, and MortgageConnector has no office in Cardiff.
Source: HM Land Registry: UK HPI Wales, April 2026. A 90% mortgage on that average is £244,049. At an example rate of 4.5% over 25 years the repayment is £1,356.50 a month. The rate is an example, not a product in Cardiff. Nearest mortgage-amount page.
| Deposit | Cash | Mortgage |
|---|---|---|
| 5% | £13,558 | £257,608 |
| 10% | £27,117 | £244,049 |
| 15% | £40,675 | £230,491 |
| 20% | £54,233 | £216,933 |
| 25% | £67,792 | £203,375 |
Land Transaction Tax (LTT): Wales uses LTT rather than SDLT and does not offer a separate first-time buyer relief. The rate depends on the purchase price, and higher residential rates can apply to additional properties. Calculate tax on £271,166.
MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.
These figures are illustrative.
An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.
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