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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:

Mortgage Lenders 007

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 free mortgage consultation in Middlesbrough will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your mortgage broker in Middlesbrough, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Middlesbrough. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Middlesbrough with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three 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.

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