Caryl & Dale - Mortgage Advisers

Caryl & Dale - Mortgage Advisers We are your Friendly & Local Mortgage and Protection Advisers with 30 years experience between us

Combining 30 years experience in Financial Services, dealing with banking, savings, investments and insurances, most recently specialising in mortgages, protection & later life advice. We discovered this was our passion and forte, helping people from all walks of life, in every stage of their life. Dale, following a successful career as an actor and musician, followed in his father’s footsteps and

entered the world of finance. Caryl, straight from school, working for a high street Building Society following the successful tradition of her parents also. Deciding after many years of working with several providers, we believe the best, most bespoke advice is given with access to the whole of market, tailoring this to your individual needs and circumstances. Friendly and approachable, priding ourselves making the journey simple and stress free for you. Caryl, can also offer a Welsh speaking appointment should you require. Meeting through our mutual enthusiasm for helping clients we are here to help you buy your first home, move home, or stay in your home. Being a married couple, we share a love of travel, good food and fine wine. Dale also enjoys football and rugby and Caryl loves walks with our gorgeous Miniature Schnauzer, Romeo. Areas of Expertise:
As a whole of market mortgage & protection advisers we provide advice to our clients on all mortgage and re-mortgage requirements, however we do also specialise in the following areas:

• First Time Buyers
• Life & Income Protection
• Home movers
• Re-Mortgaging
• Debt Consolidation
• Interest Only

🏗️🏡 PLANNING YOUR NEXT PROPERTY PROJECT? LET’S TALK FUNDING! 💷🔑Found a potential development opportunity? 👀Planning a co...
08/09/2026

🏗️🏡 PLANNING YOUR NEXT PROPERTY PROJECT? LET’S TALK FUNDING! 💷🔑
Found a potential development opportunity? 👀
Planning a conversion? 🏚️➡️🏡
Considering a major refurbishment? 🔨
Or perhaps you’re looking at land for a new build? 🏗️

Getting the right funding structure in place early can be just as important as finding the right property. 💡

Property development finance isn’t one-size-fits-all, and there may be different ways to structure the funding depending on the project, your experience, your available deposit and — importantly — what you plan to do with the property when the work is finished.

We can help look at options for:

🏗️ New-build developments
🔨 Major refurbishments
🏘️ Property conversions
🌳 Land purchase & development
💷 Structuring finance around your project
📊 Managing funding and cash flow throughout the build
🔑 Planning your exit strategy
🏡 Refinancing once the project is complete

And that last point is important! 👇

Your exit strategy should be part of the conversation from the beginning, whether you're planning to sell the finished property, refinance onto a longer-term product, or retain it as part of your property portfolio.

💭 Got a project in mind but not sure how you could fund it?

Don’t wait until you’ve committed to the purchase to find out what your options are.

📲 Drop me a message and let’s have a chat about the project, the numbers and what you’re hoping to achieve.

📞 07966 108237
📧 [email protected]

Sometimes the right conversation at the start can completely change how you approach an opportunity. 🏗️💷🏡

** Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding**

🏡 Thinking about a mortgage? Don’t wait until you’re ready to apply to check your credit report! 🔍You’d be surprised how...
07/09/2026

🏡 Thinking about a mortgage? Don’t wait until you’re ready to apply to check your credit report! 🔍

You’d be surprised how many people have something sitting in the background on their credit file that they’ve completely forgotten about — or didn’t even realise was still there.

One example is an old financial association with an ex-partner or someone you previously held joint finances with.

Even if that association doesn’t directly affect your own credit health, their credit history could potentially be taken into account when you make a credit application. citeturn0view0

The good news? If the financial connection is no longer relevant and any joint accounts have been closed, you can request for the association to be removed. It can take around 28 days to process, so it’s much better to deal with it before you find the house you want and need to submit a mortgage application! ⏰

👉 Check your credit report early.
👉 Deal with anything that shouldn’t still be there.
👉 Put yourself in the best possible position before applying.

A little bit of preparation now could save an unwanted headache later!

This article explains how to remove an old financial association 👇

https://www.checkmyfile.com/help-centre/help/how-do-i-remove-a-financial-association-thats-no-longer-relevant

**Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding**

Find out how to remove a financial association from your credit report who’s no longer relevant.

🏡✨🎉 NO BETTER WAY TO END A FRIDAY! 🎉✨🏡What a way to finish the working week! 🙌🏼🥰 Making that all-important phone call 📞 ...
05/09/2026

🏡✨🎉 NO BETTER WAY TO END A FRIDAY! 🎉✨🏡

What a way to finish the working week! 🙌🏼🥰 Making that all-important phone call 📞 and forwarding on a copy of a MORTGAGE OFFER! 📄🏡🔑🎉🥂

I know just how much this means to these clients ❤️ and being part of helping make their homeownership dreams a reality has been incredibly rewarding. 🥹🏡🔑✨

Sometimes, when you first look at your circumstances, getting a mortgage can feel difficult — or even impossible. 🤔🏡 But this case is another reminder of just how important it can be to have a mortgage broker in your corner 🙋🏼‍♀️💪🏼, looking at the bigger picture 🔎, researching the options 📚 and finding a way forward. 🛤️🏡✨

Sometimes there IS a way to get it over the line! 🙌🏼🎯🏡

And now… it’s over to the solicitors! ⚖️📑🔑🤞🏼

Hopefully I'll be back with the COMPLETION post very soon! 🏡🔑🥂🎉❤️

If you're wondering whether homeownership could be possible for you, please get in touch. 📲💬 You might have more options than you think! 🏡✨

📱 07966 108237
📧 [email protected]

Have a fantastic weekend, everyone! 🥂☀️❤️🎉

**Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding**

04/09/2026

🏡 BUY-TO-LET IN 2026 — WHAT’S CHANGING? 🔑
The Buy-to-Let market isn’t shrinking — it’s evolving! 📈
With borrowing costs and affordability changing, reviewing your portfolio and planning ahead has never been more important.
Whether you’re looking to refinance, restructure or make your next property move, I’m here to help. 🏠✨
📲 Caryl Morgans-Jones
📞 07966 108237
📧 [email protected]

**Your property may be repossessed if you do not keep up repayments on your mortgage. Most Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority**

⚠️❤️ THE QUESTION MOST PEOPLE AVOID… ❤️⚠️Life insurance is one of those things we all know we should probably sort… but ...
03/09/2026

⚠️❤️ THE QUESTION MOST PEOPLE AVOID… ❤️⚠️

Life insurance is one of those things we all know we should probably sort… but it can so easily get pushed further and further down the list. 😬📋

Until it’s too late. 💔

The reality is simple… 👇🏼

🏡 If something happened to you, would your family be financially protected?

❤️ Life insurance isn't just about having a policy sitting in a drawer.

It’s about protecting the people you love, helping provide financial security and giving you that all-important peace of mind. 🛡️👨‍👩‍👧‍👦💷

And you might be surprised at just how affordable some protection options can be. 👀💡

If you're not sure what cover you already have, whether it's enough, or what options are available to you, it could be worth having a chat and reviewing your protection. 🔍📞

📲 07966 108237📧 [email protected]🌐

💬 Don't wait until you need it. Get in touch today and let's make sure you and the people who matter most are protected. ❤️🏡🛡️

Please note for these insurance products, terms and conditions apply.

🏡✨ Please feel free to share away! ✨🏡Some good friends of ours are selling their beautiful home, right in the heart of a...
03/09/2026

🏡✨ Please feel free to share away! ✨🏡

Some good friends of ours are selling their beautiful home, right in the heart of a lovely village with some great amenities close by. ❤️

It’s a gorgeous property and definitely well worth a view if you’re looking for your next home. 🔑🏡

Please feel free to share or tag anyone you think might be interested — you never know who might be looking! 🥰

👇 Property link below 👇

01/09/2026
🏡💷 The lowest mortgage rate isn’t always the cheapest mortgage! 💷🏡A really useful read from Which? highlighting why it’s...
01/09/2026

🏡💷 The lowest mortgage rate isn’t always the cheapest mortgage! 💷🏡

A really useful read from Which? highlighting why it’s important to look beyond the headline interest rate when comparing mortgage deals. 👀📊

💷 Arrangement fees can make a big difference to the overall cost, and sometimes a slightly higher rate with a lower — or even no — product fee can actually work out cheaper! 🧮💡

🏡 This is exactly why mortgage advice is about finding the right overall deal for your individual circumstances, rather than simply choosing the lowest rate advertised. 🔍✨
🔑 Thinking about buying, moving home or remortgaging?

📲 Feel free to get in touch and we can look at the options available to you.
👩‍💼 [email protected]
📱 07966 108237

📰 Read the Which? article – 6 things to know about mortgage fees
https://www.which.co.uk/news/article/6-things-to-know-about-mortgage-fees-aXurX8t3NtQ7

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage. 📋 There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding⚠️

Top deals typically come with a £999 fee

🏡 Another day, another mortgage offer! 🎉This one has definitely been particularly fulfilling to get over the line and is...
30/08/2026

🏡 Another day, another mortgage offer! 🎉

This one has definitely been particularly fulfilling to get over the line and is a great example of the value of having a broker in your corner from application right through to offer :)
If you're looking to buy, remortgage or simply want to explore your options, please get in touch

📱 07966 108237


Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

Address

Port Talbot

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