It's Free to Speak to an Advisor, 7 days, 8am - 10pm

UK Moneyman Mortgage Broker UK - M Shape

Mortgage Broker in Sutton

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01482 772986Speak to an Advisor - It's free!
Malcolm Davidson - Managing Director of UKMoneyman

Mortgage Broker in Sutton

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's free! 01482 772986

Providing Expert Mortgage Advice in Sutton

As a mortgage broker in Sutton, our job is to guide you through the entire mortgage process. From your initial point of contact to getting your keys, we will be right by your side!

Our service goes beyond just getting you a mortgage, we will try and search for a mortgage product for you that perfectly matches your personal and financial situation. We will also help you prepare your mortgage application so that you look the best that you can in front of the lender.

Our team work incredibly hard to ensure that you get the best out of your mortgage journey and that your experience is stress-free and easy-going.

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Your Mortgage Options in Sutton

All of our Customers Receive a Free Mortgage Appointment!

We offer every mortgage applicant a free mortgage appointment, we will consider all mortgage situations. Just give us a call and we can get you booked in!

We work 7 days a week to ensure that you can book a mortgage appointment at a time that best suits you. You can book an appointment early in the morning, during the evening or late at night – pick a date and time that suits you. You will be paired with a mortgage advisor in Sutton that specialises in your mortgage situation.

Over our 20 years of working in the mortgage industry, we have worked with many different types of mortgage applicants in Sutton. Even if you think that your situation is complicated and that no one can help, please get in touch and we will see how we can help. We are a mortgage broker in Sutton, our job is to help applicants through their mortgage journey, even those in complicated situations!

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Your Mortgage Options in Sutton

First Time Buyer Mortgages in Sutton

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As a first time buyer, are you aware of how to start your mortgage process? If you need help kickstarting your mortgage journey and finding the perfect mortgage product for your new property, don’t hesitate to get in touch.

To help you start your first time buyer mortgage journey, we will help you work out your affordability for a mortgage in Sutton by looking at how much you can borrow. During your free mortgage appointment, your mortgage advisor in Sutton will go through this with you. This will also help them work out what sort of mortgage products you will be able to access.

Moving Home Mortgages in Sutton

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When moving home in Sutton, you have to consider that you are not only buying a new home, you have to sell one too. Having a mortgage broker in Sutton by your side, and organising the mortgage side of the process can take the stress out of moving home.

Whatever your reason is for moving home, you need to be aware of the costs that come with doing so. During your free mortgage appointment, your mortgage advisor in Sutton will help you identify the costs that come with moving home; something you may need to consider before making an offer on a property.

Buy to let Mortgage Sutton

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Over our 20 years of working within the mortgage sector, we have had the pleasure of working with many different types of buy to let landlords. Whether you’re looking at investing in buy to let, let to buy, HMOs or need interest only mortgage advice in Sutton, our team would be more than happy to take a look at your situation and offer a helping hand.

You can schedule a callback or book a free mortgage appointment online with our buy to let mortgage advisors in Sutton today.

Remortgaging in Sutton

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When you’re approaching the end of your fixed mortgage term, it is time to Remortgage in Sutton. Typically, you want to look at starting your remortgage process 6 months prior to your mortgage product ending, this is so that you can explore your options and try to find the best product available to you before you fall onto your lender’s standard variable rate of interest.

Your lender’s standard variable rate of interest will likely increase your mortgage payments each month. This is because their rate tracks the Bank of England’s base rate and they add their own percentage on top of that rate. This is why you need to remortgage in Sutton!

If you want to explore other mortgage options in Sutton, we can help with releasing equity, funding home improvements and debt consolidation.

Self Employed Mortgages Sutton

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If you are self employed in South Yorkshire, the mortgage process will be similar to other scenarios, with one key difference – the requirement to provide evidence of your income.

Our mortgage advisor in South Yorkshire will guide you on the additional documents you need to provide. Just like with other mortgage types, they will conduct an affordability assessment and explore the available deals suitable for you.

Mortgage Options for Over 50s in Sutton

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If you are looking to explore your mortgage options and are over the age of 50, you may be eligible for a variety of mortgage options. We have a dedicated later-life lending team that you can book a free appointment with. You can book online or give us a call to schedule a date and time.

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Our Simple 4-Step Process

Book Online

Step 1

The first step is to book your free mortgage appointment. You can select an appointment date and time, 7 days a week. We work to your schedule so that you can book a time that is easier for you.

Free Mortgage Apppointment

Step 2

Once you attend your free mortgage appointment and have spoken with your mortgage advisor in Sutton, they will search for the perfect mortgage product for you. They will look at your personal and financial situation to determine what mortgage products you are able to access. They will then present you with their recommendation.

Finding a Suitable Product

Step 3

If you want to take the mortgage out, we can continue to the next step of preparing your mortgage application. You will be assigned a dedicated case manager from here who will help you prepare the necessary documents for your application. Once you are ready to go and have everything in place, we can send it off!

Submit Your Application

Step 4

All that is left is waiting for a response from the lender. Once we have the good news, we will be in touch immediately. You can now go and collect your keys and start moving into your new home.

Reasons to Choose us

Free Appointment in Sutton

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We extend a complimentary mortgage appointment to every customer, which you can schedule either online or by giving our team a call. As a responsive mortgage broker in Hull, we operate seven days a week. You have the flexibility to choose a date and time that best aligns with your personal and work commitments. We recognize that everyone leads busy lives, and the time that suits you best also works well for us.

If you would like to give us a call for expert mortgage advice in Sutton, feel free to ring us anytime!

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in Hull are able to search 1000s of mortgage deals on your behalf. As a mortgage broker in Hull, we have access to many different mortgage lenders on panel which have various high street and specialist products available.

Our Service

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Providing open and honest mortgage advice in Hull many of our customers have expressed the value of our service in our reviews. We have collected many over the years and are very proud of each and every one of them. head over to our reviews page to see whether we have helped someone in a similar situation to yourself.

7 Days a Week

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The flexibility that comes with booking your free mortgage appointment allows you to pick your own date and time. We work 7 days a week to ensure that you can book a date and time that best suits your working and personal life.

Malcolm and Amy Davidson - Mortgage Advice in Hull

Common Mortgage Questions in Sutton

How much deposit do I need for a mortgage in Sutton?

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When applying for a mortgage in Sutton, you will be required to provide a deposit. The minimum deposit amount for many lenders is typically 5% of the property’s value. However, depending on your previous circumstances, such as any past credit issues, this percentage may be higher. This can be anywhere between 10%-15%.

Are there fees involved in a remortgage in Sutton?

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The fees associated with a remortgage are similar to those associated with your initial mortgage application. If you require a detailed breakdown of these costs, contact our remortgage advisors in Hull.

We will do our best to reduce these costs whilst also evaluating your current mortgage product against new mortgage products to determine whether you are eligible for a better interest rate.

How does the mortgage process work in Sutton?

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Our mortgage process involves several steps. Once you contact us, one of our mortgage advisors in Sutton will conduct a Fact Find to gather a better understanding of your mortgage situation.

Your dedicated mortgage advisor in Sutton will then start searching for mortgage deals that align with your personal and financial circumstances. If you are satisfied with the mortgage product they find, we can begin preparing your mortgage application.

After that, we will perform a credit check on you to secure an agreement in principle. You will need to provide some supporting documents to support your mortgage application.

Finally, we will submit your mortgage application and wait for a formal mortgage offer to be issued.

When should I obtain an agreement in principle in Sutton?

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If you’re looking for a mortgage, as a mortgage broker in Sutton we advise obtaining an Agreement in Principle (AIP) as soon as possible, ideally before taking up property viewings. By having an AIP in hand during house hunting, you may be in a stronger position to negotiate the seller’s asking price.

Can I get a mortgage in Sutton with previous credit problems?

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Getting a mortgage in Sutton with previous credit problems can be challenging, but it is not impossible. The process will depend on the severity of your credit issues and how long ago they occurred. It is important to note that lenders will look at your credit history to assess the risk of lending you money.

If you need specialist mortgage advice in Sutton, don’t hesitate to get in touch with our mortgage experts.

Can I get an Agreement in Principle within 24-Hours?

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An AIP is a document issued to you by your lender that indicates that a lender is willing to let you borrow from them for a mortgage. This is judging that you can provide evidential documents that demonstrate your affordability and income.

We are able to arrange an AIP within 24 hours of your free mortgage appointment. This will help you in making offers on properties and in some cases negotiating the seller’s asking price. If you need help with this part of the process, ask your mortgage advisor in Sutton for advice on how to make an offer on a property.

We Search 1000s of Mortgages in Sutton

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Foundation Home Loans & Hullmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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