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Mortgage Broker In Dunswell

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Providing Mortgage Advice in Dunswell

Welcome to our mortgage website, our dedicated team of Mortgage Advisors in Dunswell are here to help you through every step of the way during your home purchase or Remortgage.

Why use us for Mortgage Advice in Dunswell?

We will look through thousands of mortgage products to find you the best deal based on your individual situation. We pride ourselves on our 5-star mortgage advice service so please check out our genuine customer reviews at Reviews.co.uk.

 

Unlike a great deal of the other Mortgage Brokers in Dunswell, we are a smaller but more experienced team of friendly Mortgage Brokers, and we are here to answer all your mortgage queries. With our many years of experience, there is rarely a situation that we haven’t come across before.

 

We are able to help with:

 

A free mortgage consultation is available for all of our lovely customers.

How do I Transact with my Mortgage Broker in Dunswell?

You’ll benefit from a free initial mortgage consultation with one of our expert Mortgage Advisors in Dunswell. We also offer out-of-hours Mortgage Advice with our in-house Mortgage Advisors, who work later hours to take your enquiry. You can get in touch from 8am – 10pm, 7 days a week!

 

Why Shouldn’t I go to my Bank for Mortgage Advice?

You can go to your own bank for Mortgage Advice, however, their Mortgage Advisors are only able to offer products from one lender. Additionally, they can be hard to get an appointment with so if you’re looking at properties to purchase or are looking to make an offer, this can be a little frustrating. It is also a good idea to seek advice from a professional Mortgage Broker in Dunswell to compare different deals.

My Bank has Declined me – Can I still get a Mortgage?

Our team at Beverleymoneyman work with a large panel of mortgage lenders, some of which offer unique, specialist products. Do not worry as we have many years’ experience and in-depth knowledge of providing Mortgage Advice to customers in an array of different circumstances.

 

Frequently, we get calls from customers who have been turned away by their banks for reasons, such as; income types, credit score, property type and/or the bank won’t lend enough. As an experienced Mortgage Broker in Dunswell, we may be able to help out.

What Exactly Does a Mortgage Broker do?

We don’t work for an estate agent, builder or bank, we work for you; the customer!

 

It is our job to provide support to you throughout the entire process (not just with Mortgage Advice). From your first point of contact, we are here to be honest, & keep you relaxed, whilst we find you the most appropriate mortgage deal and provide support right up until completion. As a Beverleymoneyman customer, we will keep in touch with you to help with any change in circumstances or remortgage needs you may have.

 

Usually, buying a new property isn’t so straightforward. Especially, if you are a First Time Buyer or haven’t Moved Home in a while, it can be a little perplexing. If you need help off an expert Mortgage Broker in Beverley, like us, make sure to get in touch for a free mortgage consultation. We can’t wait to hear from you!

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

Mortgage Lenders 007
 

About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Dunswell on Social Media

We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Dunswell

You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

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, as a Mortgage Broker in Dunswell, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances.

Common Mortgage Questions

For a Help to Buy mortgage, you will need to have at least 5% of the sale price of your new build property in Beverley. The government will then loan you up to 20% of the properties value, making your deposit 25%.

The discount provided by the council will often be used by lenders as your deposit. However, some lenders will require you to put down a deposit in addition to the discount. This is sometimes the case if you’ve been struggling with credit problems. Our Mortgage advisors in Beverley are able to answer your right to buy deposit questions.

Though it can vary between 20%-40%, the minimum deposit for a buy to let mortgage is usually 25% of the property value.

Your chances of saving money go up if you are on your lenders SVR (Standard Variable Rate of Interest). We will compare the new products available against your current mortgage deal, in order to work out these savings for you. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, this is used for things like home improvements.

You can remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Please do not rush into this though as there are some downsides. We recommend that customers always seek Mortgage Advice in Beverley before consolidating debts!

Your initial free remortgage consultation in Beverley will last around 1 hour. We will then compare a new deal vs your current product and recommend the most appropriate one, with no obligation to you. You can then decide whether you wish to go ahead with the mortgage or take a step back.

The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Beverley will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.

Your free mortgage consultation in Beverley will last around 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 Beverley, 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 Beverley. 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 Beverley 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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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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