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Mortgage Broker in Swanland

Fast & Friendly Mortgage Advice in Swanland

Open & Honest Mortgage Advice in Swanland

Mortgage Broker Swanland

Welcome!

Your Mortgage Broker in Swanland has over two decades of experience within the mortgage industry. We are here to help guide you through your mortgage journey.

Making your mortgage process stress-free, simple, easy-going and confidential.

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What does a Mortgage Broker actually do?

A Mortgage Brokers job is to help you prepare your mortgage application and to find you a competitive mortgage deal. Here at our Mortgage Broker in Swanland, we go above and beyond for our customers; we don’t just look for the best deal, we take care of you from start to finish. Within 24-hours of your enquiry, we aim to have you linked with a Mortgage Advisor in Swanland and be searching for mortgage deals for you. It may sound crazy, but it’s true!

Here is our 4-step process in Swanland…

1. Step one, when you get in touch with our Swanland Mortgage team, we will arrange a quick telephone call with you so that we can get a few bits of information from you so that we can link you with the perfect Mortgage Advisor in Swanland. Your dedicated advisor will specialise in your specific mortgage situation.

2. Within 24-hours of your enquiry, we will process your details and arrange your free mortgage consultation with a dedicated Mortgage Advisor in Swanland.

3. Your free mortgage consultation in Swanland will last around 30-minutes. If you are already property searching and are taking up viewings, your Mortgage Advisor in Swanland can prepare a mortgage agreement in principle for you if you would like.

4. Our Advisors can search through 1000’s of mortgage deals on your behalf, trying to find a deal that matches your personal and financial circumstances. This is what differs us from a bank/building society, they are limited to their own products, a Mortgage Broker in Swanland like us can access products through lots of different lenders. We have over 30 lenders that we can search through!

 

Match your Swanland mortgage situation

It’s not unusual for our Mortgage Broker in Swanland to come across a complicated mortgage situation. There is rarely a day that goes by where we aren’t faced with a complex scenario. Don’t forget that we deal with all different types of mortgages in Swanland, here is a list just to name a few:

 

8am – 10pm, 7 days a week in Swanland

Our amazing mortgage advice service is available from 8am – 10pm, 7 days a week. We work to a schedule that best suits you, this means that out of office hours Mortgage Advice in Swanland is possible!

Our stunning Mortgage Advice service will benefit you no matter your mortgage situation. We aim to deliver the same exceptional service to every customer that reaches out to us in Swanland.

Take a look at what our customers have said about their experience with us in our fantastic reviews:

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See you soon!

Our Mortgage Advisors in Swanland are ready to take your call. We are dying to hear from you!

For 5-star Mortgage Advice in Swanland, get in touch with your Mortgage Broker in Swanland today.

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We search 1000s of mortgage deals across a large number of lenders, including:

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Our Service

Customer service is at the heart of our company, we work for you and for you only. When our Mortgage Advisors in Swanland search for a mortgage deal for you, they will try and pick out a deal that perfectly matches your personal and financial situation. Our Mortgage Broker in Swanland has access to 1000's of mortgage deals, it's our job to find that 1/1000 mortgage deal for you!

Free Mortgage Guides

If you are looking for some extra handy tips and tricks for you and your mortgage in Swanland, you should check out our free mortgage guides. We cover all different types of mortgage scenarios and hot topics such as the latest mortgage market updates. We are very active on social media too, often sharing all of our helpful guides and content on there, so make sure to keep an eye out for them!

Free Mortgage Consultation

We always recommend that you take advantage of our free mortgage consultation. In Swanland, one of our Mortgage Advisors will take care of you from start to finish to ensure that you feel comfortable and secure throughout the whole mortgage journey. You can receive your free mortgage consultation over the telephone or on a video call, it's completely up to you!

Help & Support

We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.

Open & Honest

We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.

Read Our Reviews

Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.

Open 7 Days

Our Mortgage Advice service is available mornings, evenings & weekends. We are here at a time that suits you and your family

Mortgage Advice

Unlike a Bank, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances

Common Mortgage Questions

You’ll need to provide a deposit of at least 5% of the sale price of your new build in Hull. The government will top up your deposit by 20% to make up a 25% total deposit. This works the same way if you put down a higher deposit, e.g. if you put down a 10% deposit, you will receive a 15% equity loan.

For your Right to Buy mortgage in Hull, you will be given a discount from the council, which will likely be used as your deposit. Your lender may also ask you to provide an additional deposit, however, this should only be asked if you’ve had previous credit issues.

Buy to Let mortgage deposits can vary, although they tend to want between 20%-40%. As a Buy to Let Mortgage Broker in Hull, we usually find that lenders are looking for 25% of the property value.

After you’ve completed your fixed mortgage term, you will fall straight onto your lenders standard variable rate of interest (SVR). Usually, a lender’s SVR is their most expensive rate, so if you Remortgage, you could avoid falling onto their rate.

Our Remortgage Advisors in Hull will shop around for Remortgage deals for you, trying to find one that is not only competitive, but is also tailored to your personal and financial situation.

If you have unsecured debts that still need paying off, you can always consolidate your debts into your mortgage by increasing your mortgage size.

There are some downsides to doing though, so we would strongly recommend that you get in touch with a Mortgage Broker in Hull like us so you can get specialist help.

Your free Remortgage consultation will last around an hour and will work very similar to our consultation with first time buyers in Hull. Firstly, we will get some information from you in order to get a better picture of your personal and financial situation.

After your Remortgage consultation, we will search for a perfect remortgage deal for you. Once we find a deal that we think will benefit you most, it’s your choice whether to proceed with us and the deal or not. If you want to progress to the next stage, it’s time to get the ball rolling with your mortgage application.

The fees involved in Remortgaging are similar to those involved during your first mortgage application. If you want a full breakdown of all of these costs, you should get in touch with our Remortgage Advisors in Hull. We will not only try and reduce these costs, but we will also compare your current mortgage product to new mortgage products to see whether you can access a better rate or not.

Your free initial mortgage consultation with your dedicated Mortgage Advisor in Hull will last around an hour. During this consultation, we will get to learn a bit more about your mortgage needs and what you are looking for. Once we know more about your personal and financial situation, we will start looking for mortgage deals that will match you perfectly.

Our mortgage process consists of multiple different steps. The first step is to get in touch, and one of our trusted mortgage advisors in Hull will carry out a Fact Find to get a bigger picture of your mortgage situation.

Secondly, you’ll undergo your free mortgage consultation, and your assigned dedicated Mortgage Advisor in Hull will begin searching for mortgage deals that match your circumstances. If they find you an offer that you are happy to proceed with, we can get the ball rolling with your mortgage application.

Next, they will perform a credit check on you to obtain an agreement in principle. Some evidential documents will be required from you to help back up your mortgage application.

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

As a Mortgage Broker in Hull, we recommend that you obtain an Agreement in Principle (AIP) as soon as you can, preferably before you start viewing properties. Having an Agreement in Principle in place when you are viewing houses could potentially allow you to negotiate prices.

An Agreement in Principle typically lasts for 30-90 days. However, this timeframe is up to the Lender. If your Agreement in Principle expires, worry not; you can renew it by getting back in touch with your Mortgage Advisor in Hull.

The good news is it is possible to have two mortgages in Hull running simultaneously, as long as you can afford to repay the monthly instalments on each of them. If you’re looking to accomplish something like debt consolidation or home improvements, you may be able to place a second mortgage on your home.

Most high street mortgage lenders will usually ask for a minimum of a 5% deposit. This percentage may be higher depending on your previous circumstances, e.g. if you’ve had any past credit issues.

The good news is that you may find it a bit more challenging to obtain a mortgage despite having previous credit issues on your record. But it doesn’t mean it’s impossible, and you may still be able to get one! It just means that some Lenders may ask for a slightly higher deposit of around 10-15%.

The good news is it may be possible to get a mortgage if you are self-employed in Hull. To qualify, you need to submit at least one year’s of accounts, the likelihood may increase your chance of obtaining a mortgage. Most lenders take a look at your salary plus dividend to calculate the maximum mortgage amount. Others may go off your net profit. It all depends on the lender.

If you’re an employee, you will usually have to supply three payslips and the latest P60 to prove your income. If you are Self Employed in Leeds, it is typically the latest two years’ tax calculations and correspondings overviews. You will also need to provide proof of ID (Driving license or Passport). Proof of Address (Utility bills, tax bills or credit card statements) and three months’ bank statement. You are proving the deposit built up with an explanation for any significant credits.

Our free initial mortgage consultation will last roughly one hour. Lucky for you, as an experienced Mortgage Broker in Hull, we can turn around an Agreement in Principle within 24 hours. All we need is a quick phone call to gather the necessary information. A formal mortgage offer takes about three to four weeks on average.

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
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