Mortgage & protection advice · Cardigan
Mortgage advice, personally arranged.
A considered, one-to-one service for buying, moving and remortgaging, with Leon Pisani guiding you from the first conversation to the day the keys are yours.
Est. 2023Cardigan, Ceredigion
A mortgage is one of the largest commitments you will ever make. It deserves advice that is patient, plain-spoken and centred entirely on you, so that every decision feels considered rather than rushed.
How we can help
Advice for every kind of move
From a first home to a farmhouse with a few acres, each situation is different. These are the areas we help with most often; if yours isn’t here, just ask.
- 01First-time buyersClear, patient guidance from your first question to the day you collect the keys.
- 02Moving homeCoordinating your sale, your purchase and your existing mortgage, so the move runs smoothly.
- 03RemortgagingReviewing your mortgage before your deal ends, so you are not left on a lender’s standard rate.
- 04Buy-to-letFinance for first-time landlords and established portfolios, assessed on rental income.
- 05Self-employed & contractorsPresenting business income, dividends or day rates in the way lenders want to see it.
- 06Rural & non-standard homesFarmhouses, homes with land, older and non-standard construction properties.
- 07Later-life lendingMortgage options that reach into retirement, explained clearly and without pressure.
- 08Protection & insuranceLife cover, critical illness and income protection, so your home stays secure.
Rooted in West Wales
Local knowledge, national lenders.
Based in Cardigan on the edge of Cardigan Bay, we understand the homes here, from town terraces to farmhouses and properties with land, and the lenders who are comfortable with them.
How it works
Five steps, one point of contact.
You will always know what is happening, what comes next and who to call. Here is how a typical mortgage comes together.
- I
A first conversation
An unhurried chat about where you are now, what you would like to achieve and any questions on your mind.
- II
Understanding your finances
We look at income, commitments, deposit and credit history, so the advice fits your real circumstances.
- III
Research and recommendation
We compare suitable lenders and products, then explain our recommendation and why it suits you.
- IV
Application to offer
We prepare and submit your application and keep it moving with the lender, valuer and solicitor.
- V
Completion and beyond
Keys in hand, and we stay in touch to review your mortgage and protection as life moves on.
Who you’ll speak to
Leon Pisani
Managing Director
White Hall Mortgages was established in 2023 with a simple idea: that arranging a mortgage should feel personal. When you get in touch, you speak with Leon directly, and the same person stays with you from first question to completion.
Whether you are buying for the first time, moving on, remortgaging or protecting your family, you will get straight answers, clear explanations and recommendations made around your circumstances.
Why use a mortgage broker rather than going to my bank?
A bank can only offer its own products. A broker can compare options from a range of lenders, explain the differences and manage the application for you, which can save time and help you find a mortgage suited to your circumstances.
How much could I borrow?
Many lenders lend around four to four-and-a-half times household income, with some going higher for certain applicants. The figure also depends on your outgoings, credit history and deposit. Our calculator gives an illustration; a conversation gives a proper answer.
When should I speak to you?
As early as possible. Talking before you start viewing helps you understand your budget, and for remortgages, around six months before your current deal ends gives time to compare options.
What documents will I need?
Usually photo ID, proof of address, recent payslips or accounts, bank statements and evidence of your deposit. We will give you a clear checklist based on your circumstances.
Let’s talk it through.
Every mortgage starts with a conversation. Tell Leon where you are and where you’d like to be, and we’ll take it from there, at your pace.