Fast & Friendly Mortgage Advice in Beverley
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We love helping all our customers, especially the ones who really need Mortgage Advice in Beverley - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01482 231 990.
Enquire OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01482 231 990.
We love helping all our customers, especially the ones who really need Mortgage Advice in Beverley - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.
Enquire Online5.00 Rating39 Reviews
Anonymous
My advisor Leo provided the personal tour ch through the whole process and his communication was very good, even texting me at weekends with any updates on my mortgage progress.
1 month ago
Anete
During mortgage application process my mortgage advisor and case handler was communicating with me very often which for me as a first time buyer was very important. Always open for questions and super flexible with first initial mortgage...
1 month ago
Anonymous
From start to finish perfect, friendly, professional and everything made clear and easy, Matt and Lizzi have been absolutely superb and ALMOST got use to my 'colourful language' Many thanks for all your help. Cheers 🍻
1 month ago
David
We use Beverleymoneyman - Mortgage Brokers for all our mortgage and insurance needs. They never fail to deliver and apply professionalism combined with insightful advice to obtain the best possible deal. Thanks to Leo and Jo for their help and...
3 months ago
Neil
This is the second time we have used Beverleymoneyman and we are not disappointed. Daniel talked us through the options we had and was really good at answering our questions. Jo ensured our application progressed and kept us informed at each...
6 months ago
Barbara
These people saved my life during the most stressful house purchase ever. All sorts of things happened and when most of the professionals involved were impossible to get hold of, everyone at UK Moneyman was just amazing, kind, thoughtful and...
10 months ago
Nicole
Could not recommend Matt and Megan enough! Being a first time buyer, I did not know what the buying process would entail. Thankfully, Matt and Megan explained everything as we went along. Matt went above and beyond to answer my calls when we...
1 year ago
Liam
Really good service and friendly too
1 year ago
Angela
Very pleased with the the service. Dan was very helpful and explained everything as the process went along in a clear way. All options were looked to see which would be the best option for myself. This made doing the product transfer hassle free.
1 year ago
Darren
Anna was brilliant from first contact to the end of the process was just a few days and I didn’t have any stress at all Will definitely recommend
1 year ago
Chris
Brilliant service from start to finish, we had no idea on the process and every little question has been answered along the way no matter how trivial. We can’t thank Malcolm, Joe and Lyndsey enough for their help throughout this process and for...
1 year ago
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
6 days ago
Oliver
Wayne and Meghan were great and everything was sorted without issue or effort. Great advice and got the product I needed. Great service.
1 year ago
Nicholas
We couldn't be happier with the service provided. Matt has been professional, helpful and extremely supportive throughout our process. We will certainly be recommending you to friends. Communication was 5* and Matt was available at any point...
4 weeks ago
James
I first used UK Moneyman when buying my house in 2017. I returned in 2021 for my remortgage. In both instances I found Malcolm and his team to offer excellent service, making the process clear and simple. He talked me through every step, and...
1 year ago
Gemma
Very helpful and professional
1 year ago
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
1 month ago
Laura
Very helpful. Reply to emails quickly and clearly. Would definitely recommend
1 year ago
bethany
Very much recommend! BMM are great to work with - efficient, dependable and knowledgeable.
1 year ago
Anonymous
Me and my partner have recently got a mortgage with UK Moneyman and the process was so easy and helpful. I cannot thank Joe and Anna enough for all of their hard work on our case. An excellent experience I will be recommending to anyone I know....
1 year ago
- Mortgage Advice
- Why Us?
Speak to a mortgage broker in Beverley for expert mortgage advice in Beverley.
We are delighted to serve as your trusted mortgage broker in Beverley, a name synonymous with reliability and respect in the city and its surrounding areas. Since our establishment in 2009, our commitment has been unwavering, dedicated to meeting the unique needs of our customers with the utmost care.
Utilising our extensive knowledge and experience in the property market, we go above and beyond to ensure our customers receive optimal solutions. Our profound understanding of the mortgage market allows us to sift through thousands of mortgage deals, identifying the one that perfectly aligns with your specific requirements.
Feel free to secure your free mortgage appointment today and engage in a conversation with a skilled mortgage advisor in Beverley. Let’s embark on this journey together, exploring the possibilities that await.
Benefit From Open and Honest Mortgage Advice in Beverley
We take immense pride in being transparent and open mortgage advisors in Beverley. Our dedication is evident in the consistent positive reviews we receive. The Beverleymoneyman team, comprised of trusted mortgage advisors, is here to guide you through your mortgage journey with simplicity and confidence.
Whether you’re stepping into the property market as a first time buyer in Beverley or an existing homeowner exploring options like moving home, remortgaging in Beverley, or considering later-life lending solutions, we are here to help you achieve your mortgage objectives.
At Beverleymoneyman, we adopt a hands-on approach to mortgage advice in Beverley, accompanying you every step of the way, from the initial consultation to the successful completion of your mortgage application. Our goal is to simplify the mortgage process, making it as stress-free as possible for all those who seek our assistance.
Find Out How a Mortgage Broker in Beverley Can Help You
At Beverleymoneyman, our dedicated team of mortgage advisors in Beverley meticulously sifts through a myriad of mortgage deals to identify the one that perfectly aligns with your specific goals. Our objective is not only to save your time but also to safeguard your peace of mind by simplifying the often intricate and demanding mortgage landscape.
With our highly proficient mortgage administrators and seasoned mortgage advisors in Beverley, rest assured that you are in capable hands. It’s a rarity for us to encounter a situation we haven’t faced in some form before, meaning we are well-prepared to navigate various scenarios and provide you with sound guidance.
Finding Solutions for Both First Time Buyers in Beverley and Existing Homeowner Remortgages
If you’re diving into Beverley’s property market, whether it’s your first time or you’re giving it another go, Beverleymoneyman is here to be your friendly guide, offering a service that’s just right for you.
We get that the road to homeownership can be a bit bumpy. There is no need to worry though – we’re committed to giving you solid support throughout the whole process. Whatever hurdles pop up, we’ll take them on together.
When it comes to remortgaging, many of our clients think about raising some extra cash for home improvements or sorting out debts. It’s a bit of a specialist area, but we’ll provide you with straightforward advice that keeps your best interests front and centre.
Expertly Answering Your Mortgage Questions
Your go-to mortgage advisor in Beverley is more than just a professional – they’re your partner in navigating the mortgage maze. Reach out to our team any day of the week, from early mornings to late evenings.
Mortgage Advice in Beverley for Complex Cases
We’ve been in the mortgage game in Beverley since 2009, so we’ve seen it all. No situation is too tricky for us. Get in touch, even if you think your case is a bit complicated. Chances are, we’ve handled something similar before and know how to steer you right.
Whether you’re self-employed, run a business, work on a contract, or you’re in a trial period with a new job, getting a new mortgage is a breeze with our expert advisor in Beverley. The same goes if your credit history has a few bumps – we know the ropes and can give you advice tailored to your unique situation.
Bank versus a Mortgage Broker in Beverley
Many people start their mortgage journey by talking to their bank. But it’s not always smooth sailing – from tough criteria to tricky affordability checks, it can be a bit of a overwhelming.
As a mortgage broker in Beverley, we’re keen to help. The earlier you take expert mortgage advice in Beverley, the better your chances when it’s time to seal the deal.
Searching Through 1000s of Mortgage Deals
As your mortgage broker in Beverley, we’re on the hunt for the perfect residential and buy to let mortgage options.
Getting in touch with us prior to your property search gives us the lowdown on your budget, helping us prepare a mortgage agreement in principle document. Rest assured, Beverleymoneyman is your spot for clear, honest mortgage advice in Beverley, ready to chat seven days a week.
Common Mortgage Questions in Beverley
How long does the process in Beverley take?
Embarking on your mortgage journey with us is a breeze. Our first consultation, a complimentary service, usually takes about 30 minutes. We’re seasoned mortgage brokers based in Beverley, and we take pride in our swift service.
Within 24 hours of a brief phone call to collect essential information, we can provide you with an agreement in principle. On average, formal mortgage offers are typically processed in about three to four weeks.
What documents will I need to provide for my mortgage in Beverley?
For our employee friends, three recent payslips and your latest P60 are usually all we need to verify your income. If you’re self-employed in Beverley, the standard requirement includes the latest two years’ tax calculations and corresponding overviews.
In addition, we’ll ask for proof of identification (like a driving license or passport), proof of address (via utility bills, tax bills, or credit card statements), and a three-month bank statement. This statement not only shows the build-up of your deposit but also provides explanations for any significant credits.
I’m self employed in Beverley, can I get a mortgage?
The positive news is that securing a mortgage while being self-employed in Beverley is entirely feasible. Typically, providing at least one year’s worth of accounts enhances your chances of mortgage approval.
The maximum mortgage amount is usually calculated by most lenders based on your salary and dividends, with some considering your net profit. The approach depends on the specific lender.
Can I get a mortgage in Beverley with previous credit problems?
Here’s the encouraging news – while previous credit issues may pose some challenges, obtaining a mortgage is still very much within reach. In such cases, some lenders might request a slightly higher deposit, usually around 10-15%.
How much deposit do I need for a mortgage in Beverley?
Typically, mainstream mortgage lenders ask for a minimum deposit of 5%. However, this percentage may be higher depending on your unique circumstances, especially if you have a history of previous credit issues.
Our team at Beverleymoneyman is here to guide you through these intricacies and make the mortgage process as smooth as possible.
Can I get a second mortgage in Beverley?
The positive news is that managing two concurrent mortgages in Beverley is entirely plausible, given you possess the financial capacity to handle monthly repayments for both.
If your financial goals include endeavours such as debt consolidation or home improvements, considering a second mortgage on your property could be a viable option.
How long does an Agreement in Principle last?
The validity period of an Agreement in Principle typically ranges from 30 to 90 days, with the exact duration determined by the lender. Should your Agreement in Principle expire, there’s no need for concern. A simple re-establishment of contact with your trusted mortgage advisor in Beverley allows for a seamless renewal.
When should I obtain an agreement in principle in Beverley?
As devoted mortgage brokers in Beverley, we strongly advise securing an Agreement in Principle (AIP) as early as possible, ideally before embarking on property viewings. Having an AIP in hand during house viewings may present you with the potential advantage of negotiating prices.
How does the mortgage process work?
Our mortgage process unfolds through several distinct stages. It begins with initial contact, where our reliable mortgage advisors in Beverley conduct a Fact Find to gain a comprehensive understanding of your unique mortgage situation.
Moving forward, your free mortgage consultation kicks off, during which your designated mortgage advisor initiates the search for mortgage deals tailored to your specific circumstances. Upon identifying an offer aligning with your preferences, we kickstart the mortgage application process.
Following this, a credit check is performed to secure an Agreement in Principle. You’ll be requested to provide supporting documents to fortify your mortgage application. Finally, your mortgage application is submitted, and we eagerly await the issuance of a formal mortgage offer.
How does the free initial mortgage consultation in Beverley work?
Your inaugural free mortgage consultation with our dedicated mortgage advisor in Beverley typically spans around 30 minutes. Throughout this session, we delve into your mortgage requirements, gaining a deeper understanding of your needs.
Armed with a clearer picture of your personal and financial situation, we commence the search for mortgage deals perfectly aligned with your requirements.
Mortgage advice in Beverley – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
Common mortgage questions
Your free mortgage consultation in Beverley will last approximately 30 mins. 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 go ahead.
As your Mortgage Broker in Beverley, we carry out a Fact Find to establish your personal needs before recommending 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 property valuation has been undertaken, a formal mortgage offer can be issued.
We advise you to obtain an Agreement in Principle before property viewings in Beverley to avoid potential disappointment. At the very latest, we would suggest that you get one before you make any offers to put you in a better bargaining position. As a responsive Mortgage Broker in Beverley, we can typically obtain an agreement in principle within 24 hours.
An Agreement in Principle will last for between 30 and 90 days, depending on the lender. If your Agreement in Principle expires before you can use it. Don’t worry; speak to your advisor, they can make it valid again.
Depending on your circumstances, if you’re looking to achieve something like debt consolidation or home improvements, then you may be able to take out a second mortgage on your property. If you’re looking to use it for yourself, a family member, a holiday home or a Buy to Let, a second mortgage on that property may also be an option.
A high street lender will require you to put down a minimum deposit of 5% of the property purchase. If you have had credit problems in the past, this may be higher.
If you have struggled with credit problems in the past, you may still be eligible for a mortgage, though a lender may require you to put down a higher deposit than expected.
Once you have submitted at least one year’s accounts moves you along the process, allowing you to obtain a mortgage in Beverley potentially. Most lenders will utilise your salary plus dividend to calculate the maximum mortgage amount you are eligible to borrow, whereas some other lenders will go off your net profit.
For an employee to prove their income, it’s usually three payslips and the last two years’ accounts if you are self-employed. You will also need to provide proof of ID, address and the previous three months’ bank statements.
Generally speaking, our free mortgage consultation lasts around 30 mins or so. Additionally, we can turn around an agreement in Principle within 24 hours. But it takes three weeks on average for a formal mortgage offer to approve.
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