Caryl & Dale - Mortgage Advisers

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Caryl & Dale - Mortgage Advisers

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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 w**e. 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

02/11/2026

🏡🔑 NEW HOME NOVEMBER! 🍂🎄

New month, new beginnings, and we're kicking off November with a completion already lined up for this Friday! 🥳❤️

There's nothing quite like helping clients get those keys to their new home, especially with Christmas just around the corner! 🎅🏡

Whether you're a first-time buyer, moving home, remortgaging or simply wondering what your options might look like, now is a great time to get the ball rolling.

There's still time to start making plans, and I'd love to help more people take that next step towards their new home! 🔑

Let's make it a New Home November! 🥳

📱 07966 108237
📧 [email protected]

**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**

30/10/2026

⭐⭐⭐⭐⭐ “Couldn’t be happier with the service…” ❤️
What a lovely bit of feedback to wake up to!

For me, one of the most important parts of being your mortgage adviser is making sure you feel like you're in safe hands from beginning to end.
Mortgages can sometimes feel complicated or stressful, so being approachable, explaining what's happening and being there when my clients need me is every bit as important as finding the right mortgage. 🏡🔑

Thank you so much, Joseph, for taking the time to leave such a lovely review — and for trusting me to help you with your mortgage and protection. It really does mean a lot. ❤️

If you're thinking about buying, moving home, remortgaging or reviewing your protection, I'd love to help.

📱 07966 108237
📧 [email protected]

**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. You may have to pay an early repayment charge to your existing lender if you remortgage**

27/10/2026

🏡 RENTING BUT DREAMING OF OWNING YOUR OWN HOME? ❤️

Think you can't afford to buy? You might be surprised! 👀
💷 Struggling to save a deposit?
🏡 Unsure how much you could borrow?
🔑 Think homeownership is out of reach?

Don't rule yourself out before exploring your options! 💜

Some lenders offer mortgages with deposits as low as 5%, and certain products may even be available to eligible renters without a deposit! 🙌

As an independent mortgage adviser with access to over 100 lenders, I can help you explore what's possible.

📲 Let's have a chat and see if we can turn your homeownership dreams into reality! 🏡❤️
📞 07966 108237
📧 [email protected]

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding⚠️

24/10/2026

🏡💜 THINKING ABOUT INVESTING IN AN HMO PROPERTY? 🔑💷

Whether you're looking to purchase your first House in Multiple Occupation (HMO) or expand your existing property portfolio, getting the right mortgage is an important part of making your investment work! 🙌

But did you know that HMO mortgages work a little differently from standard Buy-to-Let mortgages? 🤔

Lenders may consider:
🏠 The number of bedrooms and tenants
📍 The property's location and type
💷 The potential rental income
🔑 Your experience as a landlord
📊 Your personal and financial circumstances
🏢 Whether you're buying personally or through a limited company
💜 The good news? You don't have to navigate it all yourself!

As an independent mortgage adviser with access to over 100 lenders, I can help you explore specialist mortgage options and guide you through the process, from your initial enquiry right through to completion. 🏡✨

💬 ARE YOU CONSIDERING AN HMO INVESTMENT?
👇 I'd love to hear from you! Are you looking to purchase your first HMO, or are you already an experienced property investor looking to expand?

📲 Drop me a message or get in touch for a chat about your plans!
📞 07966 108237
📧 [email protected]

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding⚠️

21/10/2026

❤️ WHAT IF LIFE CHANGED TOMORROW? ❤️

Nobody plans to become seriously ill, but unfortunately, life can throw us some unexpected challenges. 💔

🏡 How would you pay your mortgage?
💷 What about your household bills?
❤️ Could you afford to take time off work to recover?

Critical Illness Cover could provide a financial lifeline! 🛡️
It can pay out a lump sum if you're diagnosed with a specified serious illness and meet the policy's claim criteria, helping to ease financial worries when you need it most.

💜 You protect your home and your car… but what about YOU?

📲 Let's have a chat about protecting what matters most!
📞 07966 108237
📧 [email protected]

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

20/10/2026

🏡🎉 ANOTHER DAY, ANOTHER OFFER, ANOTHER LENDER! 🎉🏡

What a fantastic start to the week! 🙌

✅ Application submitted

✅ Mortgage offer issued in just 7 DAYS! 🚀

✅ Another step closer to those new home keys! 🔑🏡

Could YOU be next? 👀

🏡 First-time buyer?

🚚 Thinking of moving home?

💷 Wondering how much you could borrow?

🔑 Found your dream property?

📉 Mortgage deal coming to an end?

Different lenders, different criteria, different solutions! 💡

Don't assume. Ask! 💬

Let's check your affordability, explore your options and get those property plans moving! 🏡❤️

🚀 LET'S GET YOU MOVING IN 2026! 🔑

📱 07966 108237

📧 [email protected]

**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**

18/10/2026

🏡 Starting a new job? Don't assume you have to wait to get a mortgage!
I've heard it so many times…

❌ “I've just started a new job, so I'll need three months' payslips.”
❌ “I'm still in probation, so I won't be able to get a mortgage.”
❌ “I've only got my job offer, so there's no point looking yet.”

But that isn't necessarily the case!

Different lenders have different criteria. Some lenders may want payslips or a probation period completed, while others may be able to consider an employment contract or confirmed job offer — potentially even before you've started the new role.

That's exactly why it's worth speaking to somebody before deciding for yourself that you can't get a mortgage.
We can look at your actual circumstances, calculate affordability and then check which lenders' criteria you may fit.

And that doesn't just apply to starting a new job. Maybe you've previously thought:
🏡 I don't earn enough.
💷 My deposit isn't big enough.
📉 My credit history means I won't qualify.
🔑 I'm stuck renting.
💼 My employment situation is too complicated.

Criteria changes. Lenders change. Your circumstances change.
So when did you last actually check?
If affordability says yes and criteria says yes…
Let's get you property hunting! 🏡🔑

Don't assume. Ask. Let me establish where you stand and, if you're not quite there yet, what you may need to do to get there.

📱 07966 108237
📧 [email protected]

**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**

16/10/2026

🏡🎉 ANOTHER DAY, ANOTHER MORTGAGE OFFER! 🎉🏡

There's nothing better than seeing a case progress from “You've been agreed in principle!” to “Your mortgage offer has arrived!” 🥳🔑

Getting everything ready upfront, from proof of income to supporting documents, helps keep the application process running smoothly and avoids unnecessary delays. ✅

Will yours be next? 👀🏡
Whether you're buying your first home, moving house or remortgaging, get in touch and let's find out where you stand! 📲

📞 07966108237
📧 [email protected]

**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**

15/10/2026

🏦📢 THE BASE RATE HAS BEEN HELD… BUT DOES THAT MEAN NOTHING IS CHANGING?

Absolutely not! 👀

Even when the Bank of England Base Rate stays the same, mortgage rates and lender products can still change — and your own circumstances may have changed too.

🏡 Is your current mortgage deal coming to an end?
💷 Thinking about borrowing more?
🔄 Want to refinance or restructure your mortgage?
🔑 Planning your next move?

Don't wait for the Base Rate to change before finding out what your options are.

Sometimes it's simply worth having a conversation. 😊

📲 07966 108237
📧 [email protected]

Drop me a message and let's see what the current mortgage market could mean for you. 🏡

**Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.**

12/10/2026

⭐⭐⭐⭐⭐ Another lovely client review ❤️

What a lovely review to stumble across — and one I hadn't even realised had been left! 🥰

Buying a home can feel stressful and overwhelming, so knowing that my clients felt guided and supported throughout the whole process genuinely means so much to me.

For me, mortgage advice isn't just about finding a mortgage and submitting an application. It's about being there to answer the questions, explain what's happening, chase things when they need chasing and help get you all the way through to those new-home keys. 🏡🔑

Thank you so much, Laura, for taking the time to leave such lovely feedback. ❤️
If you're thinking about buying, moving home or remortgaging and you'd like someone in your corner throughout the process, please get in touch.

📱 07966 108237
📧 [email protected]

**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. You may have to pay an early repayment charge to your existing lender if you remortgage**

Address

Port Talbot

Telephone

+447725919387

Website

https://www.mortgage-experience.com/advisers/dale-caryl/

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