About Us
Professional and friendly advice

M4 Mortgages Ltd, a comprehensive mortgage brokers formed by Catherine Baines and Samantha Kear.

Both Catherine and Samantha have gained valuable knowledge of the housing market in Cardiff and the surrounding area, working as mortgage advisers for U.K.’s leading banks.

Between them they have over 20 years experience in financial services. Life is complicated enough, so let us make the process of providing impartial mortgage advice, simple, painless and straightforward for you.

We will provide you with expert guidance as well as a reliable service which we base on trust, honesty and integrity. As working Mums, we have adopted a flexible approach as we appreciate that our customers will have many commitments. Therefore, we also offer evening and  weekend appointments in the comfort of your own homes and at a time to suit.

Although M4 Mortgages Ltd is based in Wales, with the increased usage of modern technology, we can easily provide services throughout the whole of the UK.

We are proud to say that M4 Mortgages is now listed as one of the top 3 Mortgage Brokers in Cardiff! Rated by ThreebestRated.co.uk for providing consistent high quality in our area of business.  

A free initial appointment can be arranged for you. If you then wish for us to act on your behalf, there will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £499.

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