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.
We will look through thousands of mortgage products to find you the best deal based on your individual situation. We pride ourselves on our 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.
A free mortgage consultation is available for all of our lovely customers.
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!
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.
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.
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 of 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 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!
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.
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.
We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
It can vary between 20%-40%. The minimum deposit for a Buy to Let mortgage tends to be around 25% of the property value. We have Specialist Buy to Let Mortgage Advisors in Beverley available to help with these types of enquiries, seven days a week.
If you are on your lenders SVR (Standard Variable Rate of Interest), you may find yourself in a better position to save money. As a Responsive Mortgage Broker in Beverley, we can compare the new products available against your current mortgage deal to determine what these savings may be. If you have equity in your property, a remortgage would also give you the option of releasing some of this money if you need it. Usually, people use this route for things like home improvements or remortgage for home office.
You may be able to remortgage and increase your mortgage size to pay off any unsecured debts you may have accrued over time. We recommend rushing into this, though, as there are some downsides to this route. We highly suggest that customers always seek Mortgage Advice in Beverley before consolidating any debts they may have.
Your initial free remortgage consultation with our Responsive Mortgage Advisor in Beverley will last about an hour. We will then be able to compare a potential new deal against your current product, recommending the most appropriate one for your needs, with no obligation to proceed if you decide not to do so.
The fees involved in Remortgaging will be similar to those involved at the start of your existing mortgage. Your responsive Mortgage Advisor in Beverley will be able to run through all of the fees with you before making any decisions, able to consider these fees when comparing the savings of the new deal against the current mortgage you are on.
Your free mortgage consultation in Beverley will last approximately 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 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 an hour 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.
The discount provided by the council through the use of the Right-to-Buy Scheme will generally be what the lenders use as your deposit. In some cases, though, lenders will require you to put down a deposit alongside the discount you’ve been given. We usually see this type of thing crop up if you’ve been struggling with credit problems. Our Responsive Mortgage Advisors in Beverley are readily available to answer any Right-to-Buy deposit questions you may have.
You will need to have at least a 5% deposit for a new build property in Beverley. The Government will then loan you up to 20% of the value of that property, making your deposit 25%.