Mortgage Types

LOCAL Mortgage Broker in Beverley & Surrounding Areas –
Mortgage Advice by Beverleymoneyman.com

FREE Mortgage Consultation for ALL Customers
– Your LOCAL Mortgage Broker

Here are a list of services we can help you with:

  • First Time Buyer Mortgage Advice (help & support through every step)
  • Moving House Mortgage Advice
  • Having Problems Getting a Mortgage (credit score/affordability/income structure or anything else)
  • Remortgage Options & Deals
  • Let to Buy Mortgages (let your current home and buy a new one)
  • Self Employed Mortgage Advice (company directors, partners, sole traders, contractors)
  • Buy to Let Mortgage & Remortgage Options
  • Help to Buy Mortgage Advice (all schemes – new build, 95%, forces etc)
  • Right to Buy Mortgages (buying your council house)
  • Complex Mortgage Situations (having difficulty with a mortgage due to criteria/affordability)
  • Poor / Bad Credit Mortgage Advice (had credit problems in the past)
  • FEE FREE Commercial Mortgage Advice (purchase or remortgage)

FIRST TIME BUYER MORTGAGE ADVICE

Are you a first time buyer and looking to get on the property ladder?  Are you looking to buy a property on your own, with a partner, or friend? – First Time Buyer Mortgages in Beverley –
There are some excellent mortgage deals available to first time buyers at the moment including the Help to Buy Mortgage Advice Schemes.

We are able to talk though your mortgage options and we can guide you through every step of the process.  We are able to recommend all mortgage types including fixed rate mortgages, variable, tracker, discount in order to find the most suitable mortgage for your individual needs ….

Often, for a First Time Buyer, the house buying process can be daunting and the thought of having a professional on your side will be reassuring.  We do so much more than just arranging your mortgage, if required, we can put your offer forward to your Estate Agent on your behalf, help with survey types, and we can provide a very competitive local conveyancing quotation – all as part of our service.

Also, problems can arise with a purchase long after your offer has been accepted, these times can be very stressful especially with work and family life, we are able to use our experience, knowledge and local contacts to help you resolve these for a smooth completion.

MOVING HOUSE MORTGAGE ADVICE

Are you thinking of selling your house and wanting to discuss your future mortgage options…?
Do you currently have your house on the market and want to know how much you can borrow…?
Have you seen a property you like and wanting a Mortgage Agreement in Principle..?
Or …. Got a Complex Mortgage Situation…?

With interest rates being very low there are some highly competitive mortgage deals available for home movers.

If you haven’t moved home in a while, the mortgage market and house buying process may have significantly changed since then.   We are here to help – we do so more than just your mortgage, we are able to help with every aspect of your purchase and sale right through until completion.

It is advisable that you speak with an Experienced Mortgage Broker like us before you view houses so that you have a good idea of how much you can borrow and can afford to repay.

HAVING PROBLEMS GETTING A MORTGAGE?

We often find that some clients who contact us have already spoken to their own bank for mortgage advice and have been informed that they are unable to borrow enough for the house they like, fail the banks strict mortgage criteria, being self employed is causing problems, simply are unable to get an appointment for several weeks time or any other reason.  

This is where our experience and knowledge of lending criteria from a large number of mortgage lenders can help you – it is important that you do not just keep going from lender to lender without 100% knowing their detailed lending criteria as too many credit searches can harm your chances of getting a mortgage altogether.

If this happens to you then please get in touch to see if we can help – we have access to a very large number of specialist mortgage lenders.

REMORTGAGE ADVICE

There are many reasons what clients choose to remortgage, the two most common reasons would be to secure a more competitive mortgage deal or raise equity from their home for one reason or another.  Whether you are simply looking for a new deal, looking to fix your rate, looking to add/remove a name from a mortgage, looking to raise additional money for home improvements of anything else then we are usually able to help.

With interest rates being very low there are some attractive deals available at the moment.  We are able to search 1000’s of remortgage deals from a large number of mortgage lenders in order to recommend the most suitable mortgage deal for you.

LET TO BUY MORTGAGE ADVICE – 

Let out your existing home and buy a new one..

With the recent recovery of house prices and the strong demand for rental homes in Beverley this is becoming increasingly popular.

We are able to remortgage your existing home on to a buy to let and raise a deposit if need be to fund a new purchase.  

This type of transaction is called a Let to Buy and we are able to provide mortgage advice on this…. Let to Buy Mortgage Advice – This is very specialist lending so having a Mortgage Broker on your side throughout this/these transactions will prove invaluable.

BUY TO LET MORTGAGE ADVICE

We work closely with both new and existing local landlords advising on their buy to let mortgage needs.

We are very experienced in this field and have many returning landlords.  It is our job to stay up to date on buy to let criteria changes and market changes – Buy to let seems to be a hot topic in the press at the moment.

We are able to listen to your individual needs and recommend the most suitable buy to let mortgage product for you.  Whether you are looking to purchase or remortgage we are here to help you through every step of the way.

The buy to let market has changed a lot over the years so if you are an existing landlord and haven’t purchased or remortgages an investment property for a while then it will be worthwhile having a professional on your side.

LOCAL Mortgage Broker – Buy to Let Mortgage Advice in Beverley 

SELF EMPLOYED MORTGAGE ADVICE

Here we believe that self employed clients can get the short end of the stick when it comes to mortgage deals and without an Experienced Mortgage Broker, like us on your side this may prove tricky!

By using a Specialist Self Employed Mortgage Broker like us with a minimum of 1 years accounts it may be possible to secure a mortgage deal! – Self Employed Mortgage Advice in Beverley – ALL Mortgage Situations Considered

We specialise in helping the Self Employed to obtain mortgage deals, so whether you are a Sole Trade, Company Director, Partner or Contractor and wanting an accurate figure for the amount you can borrow then please get in touch.

All mortgage lenders have different criteria for the self employed – incorporating dividends, salary and company profits – it is our job to keep up to date of this criteria and know which lender is most suitable for you.  Give us a try – we aim to be right first time!

SPECIALIST MORTGAGES

Often, getting a mortgage is not always straight forward and can involve thinking outside the box – This is our job!

We are aware of all mortgage products and schemes that are available and will recommend the most suitable mortgage product for your individual needs.

Specialist Mortgage Advice in Beverley & Surrounding Areas

Please click on the below links for more information …..

  • Right to Buy Mortgage Advice
  • Help to Buy Mortgage Advice
  • Commercial Mortgages
  • Bridging Loans
  • Divorce and Mortgage Advice
  • Getting 2 mortgages 
  • Capital Raising
  • Having Mortgage Problems … ??

If your situation is more COMPLICATED and you would like to discuss your mortgage options then please contact us for a FREE MORTGAGE CONSULTATION.

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Malcolm Davidson & The Team at Beverleymoneyman.com
Mortgage Broker in Beverley
( Call / E-Mail / Text )
Your LOCAL Mortgage Advisor in Beverley
EXPERT Mortgage Advice

 

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