What are the opening hours?

Monday 6am - 6pm Tuesday 6am - 6pm Wednesday 6am - 6pm Thursday 6am - 6pm Friday 6am - 6pm

Arrow Mortgages Ltd

🏠Mortgage Adviser
💳Adverse Credit Specialist
📍Based In Bridgend, Covering The UK

07/09/2026

🔑 Can you buy the house you're currently renting without a deposit? 🏡

In some circumstances, yes, it may be possible.

If you're renting a property and the owner is willing to sell it to you for less than its market value, the difference may potentially be used towards your deposit.

For example:

🏠 Property value: £200,000
💷 Purchase price: £180,000
✅ Difference: £20,000

That £20,000 difference could potentially act as your deposit, meaning you may not need to provide a traditional cash deposit yourself.

This is sometimes known as a concessionary purchase or gifted equity.

Lenders have different rules around these arrangements, and some restrict who can provide the discount.

So, if you've been offered the opportunity to purchase the property you're currently living in, it's worth checking your options before assuming you'll need to save a deposit first.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

26/08/2026

💷 One lender says you can't borrow enough? Don't assume that's the answer. 🏡

Mortgage affordability can vary a lot from one lender to another.

The same income and outgoings could produce very different borrowing figures depending on which lender you approach.

Things such as:

✅ Overtime, bonus or commission
✅ Self-employed income
✅ Benefits or additional income
✅ Existing credit commitments

can all be treated differently.

So if you've done an online calculator or spoken to one lender and the figure isn't enough, it doesn't necessarily mean that's the most you can borrow.

It's worth checking what other lenders may be able to offer before changing your plans.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

25/08/2026

💳 Bad credit doesn't always mean no mortgage. 🏡

If you've had credit problems in the past, you may still have options when it comes to getting a mortgage.

I regularly help clients who have had things such as:

✅ Defaults
✅ CCJs
✅ Missed or late payments
✅ Debt management plans or IVAs
✅ Arrangements to pay
✅ Payday loans
✅ Mortgage or rent arrears
✅ Previous bankruptcy
✅ Previous financial difficulties

Different lenders have very different criteria when it comes to bad credit.

Things like what happened, how much was involved, how long ago it happened and whether the debt is still active or has since been settled can all make a difference.

Generally, the longer it's been since the credit issue, the more options you may have.

So if you're worried your credit history will stop you getting a mortgage, it's worth checking before ruling yourself out.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

24/08/2026

A quick reintroduction

It's been a while since I've done one of these, so for anyone new to the page, I'm Aled and I run Arrow Mortgages.

I'm a mortgage adviser based in Bridgend, helping clients locally across South Wales as well as throughout the UK.

I deal with all sorts of mortgages, but a big part of my work is helping people whose circumstances aren't always straightforward.

That could be:

✅ Previous defaults, CCJs or missed payments
✅ Self-employed income
✅ Debt consolidation
✅ First-time buyers unsure where to start
✅ Remortgaging or raising additional funds
✅ Home movers
✅ Cases where another lender or broker has already said no

I run Arrow Mortgages myself, so if you get in touch, you're dealing directly with me from the first conversation, throughout the mortgage application and all the way through to completion.

If you've got a mortgage coming up, you're thinking about moving, or you simply want to know what's possible, feel free to get in touch.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

11/08/2026

⭐ Back to 50 Google Reviews! ⭐

A while ago, I unfortunately lost all of my Google reviews due to an error with my business profile, which meant having to start again from scratch.

So getting back up to 50 reviews is a great milestone as I continue building them back up towards where they were before.

A massive thank you to everyone who has taken the time to leave a review, especially those who have gone out of their way to leave another one after the originals disappeared.

It really does make a difference and is hugely appreciated!

Onwards to the next 50! 🙌

06/08/2026

📈 Your credit score isn't the full story. 📈

A lot of people think a low credit score means they can't get a mortgage.

In reality, lenders look at much more than just a number.

Things like your income, deposit, recent credit history and overall circumstances can all make a difference.

It's always worth exploring your options before ruling yourself out.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

05/08/2026

❓ Is your mortgage still right for you? ❓

The mortgage that suited you a few years ago might not be the best fit today.

Life changes. Your mortgage can too.

Depending on your circumstances, you may be able to:

✅ Reduce your mortgage term and pay it off sooner.
✅ Switch between interest only and repayment.
✅ Raise funds for home improvements.
✅ Repay your Help to Buy Wales Shared Equity Loan.
✅ Move onto a new mortgage deal.

It's always worth reviewing your options to make sure your mortgage is still working for you.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

30/07/2026

❌ Don't let one "no" put you off. ✅

Being turned down by one lender doesn't always mean you can't get a mortgage.

Every lender has different criteria, and what isn't right for one may be perfectly acceptable to another.

If you've been told "no" before, it could still be worth exploring your options.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

29/07/2026

🏡 It's okay if you don't know where to start. 🏡

Buying your first home can feel a bit overwhelming.

Whether it's understanding deposits, credit scores, affordability or simply how the buying process works.

Sometimes, all it takes is that first conversation.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

28/07/2026

🏡💰 A bigger deposit isn't always the answer. 💰🏡

A lot of first-time buyers think they need to keep saving until they have a really big deposit.

That isn't always the case.

There are lenders that can consider:
• 100% mortgages
• 98% mortgages
• £5,000 deposit schemes

For most buyers, the main options start from a 5% deposit.

If you can put down 10% or more, you'll usually have access to lower interest rates and a wider choice of mortgages.

Every situation is different, so it's worth knowing what your options are before deciding to wait another year.

📧 [email protected]
📞 07973 374386
📩 Direct Message

Your property may be repossessed if you do not keep up repayments on your mortgage.

Address

Bridgend

Opening Hours

Monday	6am - 6pm
Tuesday	6am - 6pm
Wednesday	6am - 6pm
Thursday	6am - 6pm
Friday	6am - 6pm

Telephone

+447973374386

Website

https://arrowmortgages.co.uk/

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