MORTGAGE REPAYMENT DIFFICULTIES

Building societies will make loans only to people who they believe are able to keep up the necessary repayment. However, circumstances do change, and inevitably some people face financial difficulties.

For example, illness maybe responsible for lowering a home-buyer's income, or unexpected commitments in other fields may place further strains on his budget.

Building societies are generally sympathetic to borrowers whose circumstances have changed, but it is important for the home-buyer to contact the building society as soon as he believes he is going to have difficulty in making his regular payments.

The worst course you can possibly take is to let arrears mount up without explanation because, then, the building society may not be able to offer any help at all.

If there is only a temporary short-fall of income, the society may be able to put a mortgage on to an interest-only basis for a time. However, if the mortgage is a relatively new one, this is not likely to have a significant effect on the repayments. It's worth checking if you're entitled to benefits such as Working Tax Credit, Child Tax Credit, or Council Tax Benefit.  They can make a real difference to your income and help with your mortgage payments

If repayment problems seem likely to be permanent, it may be best for the home-buyer to sell the existing property and buy something more appropriate to his means.

WHY YOU SHOULD CONSIDER A POOR CREDIT REMORTGAGE

If you have a poor credit history it can have an adverse effect on your life and acquiring credit and loans is extremely difficult. A bad credit remortgage assists you by enabling you to obtain a remortgage to repay your debts, settle other loans and begin rebuilding your credit. When there is a consolidation of your debts into one affordable monthly payment you will be able to resolve your financial problems and get back to a stable financial status again.

Applying for this type of remortgage is easy, just fill out the bad credit remortgage application form and an advisor will contact by phone and/or email and advise you as to what exactly can be offered to you.

You can be given a bad credit remortgage decision in principle within 24 hours – and that includes applicants who are homeowners but have a bad credit rating, County Court Judgements and self employed. These are typical of the categories that have an adverse affect on your credit rating and are areas where there is loss of control and debt. Your credit rating is determined on how efficient and how regularly you make payments on your loans and cards.

HOW A POOR CREDIT REMORTGAGE CAN HELP YOU

If you have an existing mortgage on your property, you are finding it difficult making the monthly payments and are leaving a trail of poor credit, then a bad credit remortgage could help you restore your credit status. If you are experiencing financial difficulties, then a bad credit mortgage permits you to borrow money to pay off your debts, leaving you with an affordable single monthly repayment to make.  

Bad credit problems are increasing and this has seen an increase for products that assist people to overcome their debt problems and still remain on the property ladder.  Lenders that specialise in this type of product can often assist people to normalise their financial position.

POOR CREDIT REMORTGAGE ADVICE

Lenders who specialise in these products only deal through experienced and registered mortgage advisors. It is mandatory for these advisors to be regulated by the Financial Services Authority. All applicants must be able to receive full information about the recommended products, and you are able to contact the Financial Ombudsman Service if you have a complaint about your advisor.

You should always avoid using an advisor who is not authorised by the Financial Service Authority

Always select a poor credit remortgage advisor who is qualified to give advice. The access to a large range of products, ensures that experienced advisors can select the most appropriate product for you. They will look at your existing financial position and discuss what your requirements are and how you can start the process of acquiring a remortgage suitable for you. 

*Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

* Financial Services Authority.   PleaseLookitup.com is not a  supplier, introducer,  broker, adviser or intermediary of any financial service.
There are advertisements on this business website inviting people to enquire about financial services -- these services and the suppliers
who offer them are not in any way connected with PleaseLookitup.com which  purely acts as a publisher.

 ADVANTAGES OF A REMORTGAGE

It is not necessary to stay with a mortgage for life, until everything has been repaid. The remortgage business is now a big industry, and it is advisable to examine the other options available to you because you may be able to improve your financial situation. There are a number of reasons for deciding to change to another lender.

(a) Obtain a more acceptable deal: You need to check that your current lender offers the best deal. The mortgage industry is highly competitive and lenders are anxious to attract new business by offering attractive financial terms to those who change over to them. You can obtain a lower interest rate and lower monthly repayments by getting a remortgage, and that could benefit you because you could get cash back, free or cheap home insurance, plus other special offers.

(b) Fixed interest rate: Although interest rates are at a historic low, and taking into account some of the recent rises, it is anticipated that interest rates are bound to rise sometime in the near future and possibly for a number of years to come – and this will inevitably lead to an increase in the cost of acquiring a mortgage. It makes sense for some people to replace their variable mortgage rate with one that is fixed for a number of years, and that way you can ensure that your repayments will remain the same for the duration of the length of the new mortgage.

(c) Equity release: The cost of buying a house has soared for a number of years, and many people find themselves in the fortunate position of having a substantial amount of equity in their property. Acquiring a remortgage can settle your current mortgage debt, and enable you to finance home improvements, a new car or caravan, or any other particular item. You will often find that taking out a remortgage is a better arrangement than applying for a personal loan.

(d) Consolidation of debts. The public, these days, are in debt as never encountered in the past, with fairly cheap credit that can encourage a reckless attitude to ‘spend now’. Of course the borrowing has to be repaid and credit cards are not the best way of acquiring long term credit. Taking out a remortgage big enough to handle your mortgage and other monetary obligations makes sense because it means that you only have a single monthly repayment and that is often less than your current total repayments

(e) Change to a different type of mortgage: People's financial situations alter over time, and what might have been a suitable mortgage some time ago may not be applicable to your current circumstances. You are presented with choices such as a capital repayment mortgage or an interest-only mortgage, or you may possibly want to examine some of the other products such as, flexible payments, discounted interest rates, etc – a remortgage can give you the opportunity of reorganising your finances

Although the above information may appear to be the solution to your current financial problems, it is imperative that you seek the assistance of a remortgage specialist and someone that is registered with the FSA before you make any decisions regarding remortgaging. 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU  DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Counties, towns, cities and localities below served by poor credit mortgage brokers on this website: 

AVON
Aust , Badminton , Bath , Bristol , Keynsham , Rangeworth , Shirehampton , Weston Super Mare , Winscombe Sidcot , Yatton

BERKSHIRE
Aldermaston , Ascot , Binfield , Bracknell , Crowthorne , Datchet , Eton , Hayes , Hungerford , Hurley , Langley ,  , Old Windsor , Pangbourne , Reading , Sandhurst , Slough , Sonning on Thames , Streatley on Thames , Streatley , Sunninghill , Taplow , Windsor , Wokingham , Yattendon 

BUCKINGHAMSHIRE
Aylesbury , Aston Clinton , Beaconsfield , Bourne End , Buckingham , Burnham , Chalfont St Giles , Chesham , Farnham Common , Gerrards Cross , Great Missenden , High Wycombe , Iver Marlow , Milton Keynes , Newport Pagnell , Nr Marlow , Olney , Stoke Poges , Wooburn Common , Wroughton 

CAMBRIDGESHIRE
Cambridge , Duxford Airfield , Ely , Fenstanton , Huntingdon , Impington , Lolworth , March , Peterborough , St Ives , Stow cum Quy , Swavesey 

CENTRAL LONDON
Coventry , Ealing , Hampstead , Harrow , Islington , Kensington , London , South Kensington , Wimbledon 

CHESHIRE
Alderley Edge , Altrincham , Bramhall , Cheadle , Chester , Cranage , Crewe , Ellesmere Port , Hale Barns , Hoo Green , Hyde , Kerridge , Knutsford , Liverpool , Lymm , Macclesfield , Mickle Trafford , Nantwich , Northop , Northwich , Nr Chester , Prestbury , Rowton , Runcorn , Sandbach , Sandiway , South Wirral , St Helens , Tarporley , Warrington , Widnes , Wilmslow , Wirral , Woodford 

CLEVELAND
Billingham , Hartlepool , Middlesbrough , Stockton On Tees , Sunderland , Thornaby 

CORNWALL 
Bodmin , Bude , Camborne, Falmouth , Fowey , Near Torpoint , Nr Falmouth , Nr Torpoint , Padstow , Penzance , Redruth , Saltash , St Austell , St Ives , Talland By Looe , Truro 

CUMBRIA 
Ambleside , Appleby , Appleby/Westmorland , B'Ness On Windermere , Barrow in Furness , Bassenthwaite , Bowness on Windermer , Brampton , Carlisle , Grange Over Sands , Grasmere , Great Langdale , Kendal , Keswick , M6 Motorway , Mealbank , Newby Bridge , Nr Penrith , Nr. Kendal , Penrith , Three Bridges , Ullswater , Windermere , Workington 

DERBYSHIRE 
Alfreton , Ashbourne , Barlborough , Baslow , Belper , Buxton , Castle Donington , Castleton , Chesterfield , Derby , Draycott , Hathersage , Kegworth , Lockington , Matlock , Mickleover , Milford , Nr Bakewell , Osmaston Park Rd , Risley , Shardlow , South Normanton , Swadlincote 

DORSET
Abbotsbury , Blandford Forum , Bournemouth , Christchurch , Dorchester , Ferndown , Nr Bournemouth , Nr Weymouth , Poole , Shaftesbury , Sherborne , Sturminster Newton , Wareham , Weymouth , Wimbourne , Wimbourne Minster 

DEVON
Barnstaple , Bideford , Bishops  Tawton , Braunton , , Dawlish , Exeter , Exmouth , Forder Valley , Holsworthy , Honiton , Kingsbridge , Maidencombe , Newton Abbot , Nr Exeter , Nr Newton Abbott Okehampton Paignton Plymouth Salcombe Sidmouth Sourton Cross Tavistock Tiverton , Torquay , Totnes , Umberleigh , Woolacombe , Yelverton 

DURHAM
Birtley , Chester Le Street , Darlington , Durham , Newton Aycliffe , Nr Barnard Castle , Nr Consett , Rushyford , Stockton on Tees , West Rainton 

EAST SUSSEX 
Battle , Bexhill-on-Sea , Brighton , Cuckfield , East Grinstead , Eastbourne , Forest Row , Hailsham , Hastings , Heathfield , Hove , Lewes , Lewes Road , Newick , Nr Hassocks , Nr Horsham , Nr Rye , Polegate , St Leonards on Sea , Steyning , Uckfield 

EAST YORKSHIRE
Beverley , Bridlington , Hull , Kingston upon Hull 

ESSEX
Basildon , Braintree , Brentwood , Broxted , Chelmsford , Coggleshall , Colchester , East Hornden , Epping , Epping Forest , Grays , Great Dunmow , Harlow , Ilford , Ingatestone , Maldon , Nr Colchester , Old Harlow , Purleigh , Southend On Sea , Southend-on-Sea , Stansted Airport , Waltham Abbey , Woodford Bridge , Woodford Green 

GLOUCESTERSHIRE
Bibury , Bourton on the Water , Brockworth , Cheltenham , Chipping Campden , Chipping Norton , Cirencester , Clearwell , Corse Lawn , Cotswolds , Fairford , Falfield , Forest of Dean , Gloucester , Lechlade , Lower Slaughter , Moreton In Marsh , Moreton-in-Marsh , Near Uley , Northleach , Nr Cheltenham , Steverton , Stonehouse , Stow on the Wold , Stow-on-the-Wold , Stroud , Tetbury , Tewkesbury , Twigworth , Upton St Leonards , Wotton-under-Edge 

GREATER LONDON
Billericay , Cranford , Denham , Docklands ,  Hampton Court , Harrow , Harrow Weald , Hayes , Heathrow , Heathrow Airport , Hendon , Henley On Thames , Hillingdon , Hornchurch , Hounslow , Isleworth , Kingston on Thames , London , Middlesex , Richmond , Ruislip , Staines , Sunbury on Thames , Twickenham , Uxbridge , Wembley , West Drayton , Wimbledon 

GREATER MANCHESTER
Ashton Under Lyme , Denton , Handforth , Heaton Chapel , Manchester , Manchester Airport , Nr Stockport , Prestwich , Salford , Salford Quays , Stockport , West Gorton , Wigan , Worsley HAMPSHIRE Aldershot , Alton , Andover , Basingstoke , Beaulieu , Bonchurch , Botley , Brockenhurst , Cadnam , Eastleigh , Fareham , Farnborough , Fleet , Fordingbridge , Gosport , Hants , Hartley Wintney , Havant , Hayling Island , Hilsea , Hook , Isle of Wight , Lee on Solent , Liphook , Lymington , Lyndhurst , Milford on Sea , New Forest , New Milton , Nr Ringwood , Ower , Petersfield , Plymouth , Portsmouth , Ringwood , Romsey , Southampton , Southsea , Stockbridge , Tadley , Winchester , Woodlands 

HEREFORD & WORCESTER
Bewdley , Broadway , Bromsgrove , Droitwich , Droitwich Spa , Evesham , Great Malvern , Hereford , Kidderminster , Kington , Ledbury , Leominster , Malvern , Malvern Wells , Nr Kidderminster , Park Farm North , Redditch , Ross On Wye , Ross-on-Wye , Stourport on Severn , Upton upon Severn , West Malvern , Worcester  

HERTFORDSHIRE 
Baldock , Barnet , Berkhamstead , Berkhamsted , Berkhempsted , Bishop's Stortford , Borehamwood , Brickendon , Broadway , Broxbourne , Cheshunt , Elstree , Harpenden , Hatfield , Hemel Hempstead , Hertford , Hitchin , Kings Langley , Letchworth , Potters Bar , Rickmansworth , Sawbridgeworth , St Albans , Stevenage , Tring , Turnford , Ware , Watford , Welwyn , Welwyn Garden City

HUMBERSIDE / EAST YORKSHIRE
Grimsby , Hull , Kingston upon Hull , Market Weighton , South Cave , KENT Ashford , Bethersden , Bexley , Bexleyheath , Bickley , Bromley , Canterbury , Chatham , Chislehurst , Crowborough , Dartford , Dover , Edenbridge , Faversham , Fawkham , Folkestone , Gillingham , Goudhurst , Gravesend , Hythe , Longfield , Maidstone Ramsgate , Rochester , Sevenoaks , Tenterden , Tonbridge , Tunbridge Wells , Wilmington 

LANCASHIRE
Ashton-in-Makerfield , Bay Horse , Blackburn , Blackpool , Bolton , Burnley , Bury , Carnforth , Charnock Richard , Chorley , Clitheroe , Ellel , Forest of Bowland , Garstang , Gisburn , Heywood , Kelbrook , Lancashire , Lancaster , Leigh , Leyland , Lytham St Annes , Manchester , Morecambe , Newton Le Willows , Nr Garstang , Nr Wigan , Oldham , Ormskirk , Preston , Rochdale , Southport , St Annes On Sea , Upholland Nr Wigan , Wigan ,  

LEICESTERSHIRE
Ashby de la Zouch , Ashby-de-la-Zouch , Billesdon , Braunstone , Glenfield , Hinckley , Husbands Bosworth , Leicester , Leicester Forest Est , Loughborough , Lutterworth , Market Harborough , Markfield , Melton Mowbray , Oadby , Oakham , Quorn , Rutland , Ullesthorpe , Upper Broughton 

LINCOLNSHIRE
Boston , Bourne , Brigg , Grantham , Grimsby , Lincoln , Market Deeping , Marston , Newland , Scunthorpe , Skegness , Sleaford , Spalding , Stamford , Thorpe on the Hill , Washingborough , Woodhall Spa

MERSEYSIDE
Bromborough , Bromborough Cross , Crosby , Kirkby , Liverpool , Newton le Willows , Newton-Le-Willows , Nr Little Sutton , Rainhill , Runcorn , South Wirral , Southport , St Helens , Wallasey Whiston , Wirral 

MIDDLESEX
Brentford , Edgware , Enfield , Greenford , Harrow , Hounslow , Middlesex , Shepperton-on-Thames , Staines , Teddington , Twickenham , Wembley

NORFOLK
Acle , Cromer , Diss , Dunston , Great Yarmouth , King's Lynn , Kings Lynn , Lowestoft , Norwich , Nr Diss , Nr Holt , Nr Norwich , Old Hunstanton , Stalham , Swaffham , Thetford , Wroxham , Wymondham 

NORTH YORKSHIRE
Boroughbridge , Brighouse , Darlington , Easingwold , Harewood Whip , Harrogate , Hartlepool , Kingston on Hull , Kingston upon Hull , Leeds , Malton , Middlesbrough , North Yorkshire , Northallerton , Nr Northallerton , Nr Richmond , Nr York , Pickering , Richmond , Ripon , Scarborough , Skipton , Sowerby , Stockton on Tees , Tadcaster , Thirsk , Utley , Whitby , Yarm , York 

NORTHAMPTONSHIRE
Blisworth , Corby , Crick , Daventry , Desborough , Kettering , Marston Trussell , Newport Pagnell , Northampton , Nr Daventry , Round Spinney , Rushden , Saltburn by the Sea , South Road , Thrapston , Towcester , Wallsend , Weedon , Wellingborough , Weston Favell , Yarm 

NORTHUMBERLAND
Allensford , Alnwick , Belford , Berwick upon Tweed , Cornhill-on- Tweed , Hexham , Morpeth , Nr Newcastle , Otterburn , Sunderland 

NOTTINGHAMSHIRE
Ashover , Blyth , Chilwell , East Retford , Newark , Nottingham , Nr Retford , Nr Worksop , Retford , Sandiacre , Southwell , West Bridgford , Wollaton Vale , Worksop

OXFORDSHIRE
Abingdon , Banbury , Bicester , Burford , Bury Barn , Chipping Norton , Church Enstone , Clanfield , Deddington , Didcot , Dorchester on Thames , Faringdon , Great Milton , Henley On Thames , Horton-Cum-Studley , Iffley Village , Kingham , Middleton Stoney , Milton Common , North Stoke , Nr Chinnor , Nr Oxford , Old Woodstock , Oxford , Steeple Aston , Thame , Wallingford , Wantage , Warmington , Weston on the Green , Wheatley , Witney , Woodstock 

SHROPSHIRE
Bridgnorth , Church Stretton , Ludlow , Market Drayton , Newport , Oswestry , Pattingham , Shifnal , Shrewsbury , Shropshire , Telford , Whitchurch  

SOMERSET
Aldwick , Axbridge , Brent Knoll , Bridgwater , Clevedon , Dunster , Frome , Henlade , Illminster , Mid Somer Norton , Minehead , Shepton Mallet , Taunton , Wells , Weston-super-Mare , Yeovil 

SOUTH YORKSHIRE 
Barnsley , Bramley , Broomhill , Chesterfield , Collegiate Campus , Doncaster , Huddersfield , Leeds Nr. Doncaster , Rotherham , Sheffield , Wormbwell  

STAFFORDSHIRE
Fradley , Alton , Branston , Burton on Trent , Cannock , Keele , Lichfield , Longford , Near Stafford , Newcastle under Lyme , Penkridge , Rugeley , Stafford , Stoke on Trent , Stone , Tamworth , Uttoxeter , Wolverhampton , Yoxall 

SUFFOLK
Beacon Hill , Brandon , Bury St Edmonds , Bury St Edmunds , Bury St. Edmunds , Felixstowe , Ipswich , Lowestoft , Mildenhall , Newmarket , Nr Eye , Nr Ispwich , Stowmarket , Sudbury , Ufford , Woodbridge 

SURREY
Ascot , Ashtead, Bagshot , Camberley , Chertsey , Chessington , Cobham , Crawley , Croyden , Croydon , Purley, Coulsdon, Wallington, Beddington, new Malde, Thornton heath, Banstead, Dorking , East Horsley , East Molesey , Egham , Epsom , Epsom Downs , Esher , Farnham , Frimley , Frimley Green , Gatwick , Godalming , Guildford , Hampton Court , Haslemere , Hindhead , Horley , Kingston on Thames , Kingston Upon Thames , Kingston-Upon-Thames , Leatherhead , Lingfield , Mitcham,  Morden , Nr Guildford , Ottershaw , Redhill , Reigate , Richmond , Richmond on Thames , Richmond-on-Thames , Shepperton , South Croydon , West Croydon, Staines , Surbiton , Surrey , Sutton , Tadworth , Wallington, Walton on Thames , Weybridge , Woking 

TYNE AND WEAR
Gateshead , Hull , Jesmond , Kenton , Newcastle , Newcastle Upon Tyne , Newcastle-Upon-Tyne , Nr Gateshead , Seaburn , South Shields , Sunderland , Tyne and Wear , Washington , Whickham 

WARWICKSHIRE
Alcester , Barford , Bingley , Charlecote , Coventry , Gaydon , Hockley Heath , Kenilworth , Lea Marston , Leamington Spa , Market Bosworth , Nr Coventry , Nuneaton , Rugby , Ryton on Dunsmore , Sibson , Stratford Upon Avon , Stratford-upon-Avon , Thurlaston , Warwick , Wellesbourne , Winyates Green , Wishaw 

WEST MIDLANDS
Aldridge , Balsall Common , Berkswell , Birmingham , Birmingham bus park , Coleshill , Coventry , Coventry Sth , Dudley , Edgbaston , Hall Green , Meriden , Redditch , Selly Oak , Solihull , Sparkbrook , Stourbridge , Sutton Coldfield , Towcester , Walsall , Warley , West Bromwich , Wolverhampton 

WEST SUSSEX
Arundel , Billingshurst , Bognor Regis , Chichester , Copthorne , Crawley , Cuckfield , East Grinstead , Fontwell , Forrest Row , Gatwick , Haywards Heath , Hickstead , Horsham , Hove , Lancing , Littlehampton , Lower Beeding , Midhurst , Pulborough , Rusper , Steyning , Storrington , Turners Hill , Worth , Worthing 

WEST YORKSHIRE
Armley , Bilborough , Bingley , Bradford , Bridlington , Brighouse , Castleford , Dewsbury , Ferrybridge , Gomersal , Halifax , Huddersfield , Ilkley , Keighley , Leeds , Liversedge , Low Moor , Peckfield , Pontefract , Shipley , Wakefield , West Yorkshire , Wetherby 

WILTSHIRE
Amesbury , Bath , Beanacre , Bradford On Avon , Chippenham , Corsham , Cricklade , Devizes, Longleat , Malmesbury , Marlborough , Nr Marlborough , Salisbury , Swindon , Warminster , Wootton Bassett 

SCOTLAND
BERWICKSHIRE
Ayton , Duns , Leitholm 

BORDERS
Castle Douglas , Edinburgh , Hawick , Jedburgh , Melrose , Peebles , Peeblesshire

CENTRAL
Dunblane , Edinburgh , Falkirk , Glasgow , Stirling , The Village

DUMFRIES
Beattock , Carrutherstown , Collin , Dumfries , Edinburgh , Gretna , Moffet 

FIFE
Falkirk , Fife , Inverkeithing , Kirkcaldy , St Andrews , Dunfermline 

GRAMPIAN
Aberdeen , Banff , Braemar , Dundee , Elgin , Inverness , Nairn , Peterhead 

HIGHLANDS
Aberdeen , Aviemore , Avimore , Barhill , Caithness , Craigellachie , Drumnadrochit , Dyce , East Kilbride , Fort William , Glenrothes , Gourock , Inverness,Isle of Arran , Kincardineshire , Kyle of Lochalsh , Malone Road , Stirling , Sutherland , Wick  

LOTHIAN
Auchterarder , Ballater , Bathgate , Biggar , Bonnyrigg , Bridge of Allan , By Taynuilt , Costorphine , Dunoon , East Kilbride , Edinburgh , Gifford , Glasgow , Gullane , Hawick , Inveraray , Inverurie , Jedburgh , Kelso , Kilwinning , Knightsbridge , Linlithgow , Livingston , North Berwick , Old Craighall , Skirling by Biggar , South Queensferry , Stirling , Turnberry, Ullapool , West Calder , Whitburn , Whitebridge 

PERTHSHIRE
Kinross , Perth , Perthshire 

ROXBURGHSHIRE 
Kelso , St Boswells

STIRLINGSHIRE 
Aberfoyle , Falkirk , Helensburgh , Loch Lomond , Pirnhall 

STRATHCLYDE
Alexandria , Ayr , Ayrshire , Bathgate , By Cumbernauld , Cumbernauld , Dumbarton , Dunbartonshire , East Kilbride , Erskine , Glasgow , Greenock , Inveraray , Inverness , Kilmarnock , Livingston , Loch Lomond , Motherwell , North lanarkshire , Paisley , Perth , Perthshire , Portpatrick , Prestwick , Renfrew , Rhu , Stepps , Symington , TroonTAYSIDE Aberfeldy , Angus , Carnoustie , Crieff , Dundee , Dunkeld , Glamis , Gleneagles , Kinross , Montrose , Perth , Perthshire , Pitlochry Wales

ANGLESEY
Anglesey , Holyhead 

CLWYD
Abergele , Beaumaris , Capel Curig , Chester , Deeside , Ewloe , Flintshire , Llangollen , Mold , Nr Wrexham , Wrexham 

DYFED
Aberystwith , Camarthen , Carmarthen , Llanelli , Pembroke , Saundersfoot 

GWENT
Cardiff , Castleton , Chepstow , Coryton , Cwmbran , Llandudno , Magor , Newport , Newport Gwent , Nr Usk , Swansea 

GWYNEDD
Bangor , Harlech , LLandudno  

MID GLAMORGAN 
Bridgend , Cardiff , Miskin , Pentwyn , Porthcawl POWYS
Brecon , Builth Wells , Cardiff , Crickhowell , Llanwddyn , Llanwrtyd Wells 

SOUTH GLAMORGAN
Barry , Bridgend , Cardiff , Cardiff Bay , Llanedeyrn , Pontyclun , Whitchurch 

WEST GLAMORGAN
Cardiff , Neath , Port Talbot , Swansea , Swansea Bay  

 <TOP OF PAGE