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Specialist Mortgage Advice in Middlesbrough

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Declined by the Bank? We Might be Able to Help!

Getting a mortgage should be a simple affair, but many times, it is not.  Mortgage brokers like us can search 1000s of products to try and find you the best mortgage for your circumstances. As Mortgage Advisors in Middlesbrough, providing specialist mortgage advice is what we do best.

 

Don’t be put off by complex criteria

We work with a wide range of lenders, some of which offer specialist mortgage products, with varying lending criteria.

 

Our experienced and knowledgeable mortgage advisors will do everything to help. Even in unusual circumstances.

 

Our goal is a simple one. To offer a 5-star mortgage advice service and find you the best product tailored to your circumstances.

 

Specialist Mortgage Advice in Middlesbrough

Life isn’t always straight-forward – and that includes when it comes to getting a mortgage. Traditional high street lenders have toughened up their lending criteria in recent years, making it much more difficult to get even a straight-forward mortgage from them. And that’s where specialist Mortgage Advisors in Middlesbrough like ourselves come in.

 

We understand there is a range of financial scenarios people find themselves in and which traditional lenders simply wouldn’t entertain. This could include buying a house together with a friend or sibling. It could also mean being a contract worker or even self-employed.

 

At our Mortgage Broker in Middlesbrough, we can provide open and honest Mortgage Advice in Middlesbrough, tailored to your specific circumstances. That means whatever your situation we will always try to find you a mortgage suitable for your circumstances. Our aim is to get it right the first time!

 

How does it work?Get a quote nowMeet your advisor

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

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Use a specialist Mortgage Advice in Middlesbrough for:

  • Contract workers and self-employed mortgages – even though you only work six months of the year, the money you make can be as much as someone on an annual salary. We understand this.
  • Let to buy mortgage – if you’re having difficulty selling your home another idea could be to rent it out.
  • Portfolio landlord mortgage – as a Mortgage Broker In Middlesbrough we have access to a range of mortgages for landlords with four or more properties.

 

Contact us to book your free specialist mortgage consultation

Why use a Specialist Mortgage Broker in Middlesbrough like ourselves?

We have the time and inclination to search through thousands of mortgage products to find a deal that’s perfect for you. We also have the experience and knowledge to get it right the first time.

 

We have worked with enough clients to understand how frustrated and fed-up you feel with the high street banks. And that’s why we work fast and are open and honest with you throughout the whole process.

 

Our staff all love the sense of satisfaction they feel when they find the ideal mortgage for you. We have fabulous reviews from delighted previous clients. You can take a look at them at Reviews at reviews.co.uk

 

We aren’t tied to any particular builder, bank or estate agent so really can sift through thousands of deals to find your best match.

 

As your Mortgage Advisor in Middlesbrough, we are here to help you.  Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Your mortgage journey begins as soon as you get in touch with our team. We will send you over a fact find to fill out so we can learn a bit more about your personal and financial situation.

The next step of the process is for us to book you in for our free mortgage consultation so we can begin searching for the perfect mortgage product for you. We will also arrange a mortgage agreement in principle for you.

Once you’ve provided documents to support your agreement in principle, we can start preparing your mortgage application!

Your free initial mortgage consultation will roughly last 30-60 minutes. During the consultation, we will examine your current personal and financial situation so that we can get an idea of what sort of mortgage products you’ll match with.

If we manage to find you a deal and you’re happy to continue with it, we can start preparing your mortgage application!

As a Mortgage Broker in Middlesbrough, we would always recommend that you try and obtain a mortgage agreement in principle (AIP) as early in the process as possible. Ideally, you should obtain your AIP prior to viewing properties as it can open you up to being able to negotiate prices.

Your agreement in principle will last between 30-90 days. If your agreement in principle expires, you can easily renew it. Get in touch with your Mortgage Advisor in Middlesbrough to arrange this.

Yes, it may be possible to get a second mortgage. Reasons for getting a second mortgage include debt consolidation, home improvements, for a mortgage deposit for another property such as a Buy to Let property or a holiday home.

Usually, lenders will require a minimum of 5% of the property price. Even though most High Street Lenders look for 5%, if you’ve had credit issues in the past, you may be asked to put down slightly more.

It can be still possible to get a mortgage despite having bad credit issues in the past. Although, you should know that some lenders may require you to put down a larger deposit; this could be 10%-15%.

If you are Self Employed and have at least one year’s accounts ready to submit, then yes, you may be able to get a mortgage. Mostly, lenders will go off your salary plus dividend to calculate the maximum mortgage amount that you can borrow. Some are also known to go off your net profit.

During the mortgage process, you will be asked to prove your income, who you are etc. Some of the documents that you’ll be asked to provide include bank statements, payslips, proof of ID and proof of address. This may be slightly different for the Self Employed.

After your free 30-60 minute mortgage consultation in Middlesbrough, we will be able to go away and try and find you a mortgage product that’s perfect for your personal and financial situation. During this timframe, we will also arrange a mortgage agreement in principle for you within 24-hours.

If everything goes to plan and we recive yoru supporting documents, we can proceed to the point of mortgage application preparation. Once your application is submitted, a formal mortgage offer takes around 3 weeks on average.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in Middlesbrough!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Middlesbroughmoneyman.com & Middlesbroughmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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