Read our 36 Reviews
The moving home journey is known to be a stressful experience. For some, it may be one of the most intense processes they will go through in their life. You also have to factor in the mortgage aspects that come with moving home too!
Through a combination of your extensive experience and rich knowledge as a local Mortgage Broker in Beverley, we understand the feeling. This is why we provide a helping hand throughout your time of Moving Home in Beverley.
When speaking to customers, we find that the part that makes the process stressful is the fact that you will be buying your new home at the same time of selling your old home. It’s also key these two processes are carried out simultaneously.
The big relief for you is that the paperwork and concurrent process are in the hands of your conveyancing solicitor.
Nonetheless, at the time you will need to secure a purchase of a potential new home along with finding someone to buy your home.
For those looking to explore their option when Moving Home in Beverley, we have an expert team who work hard in making the home purchasing and mortgage processes go as swiftly and smoothly as they possibly can.
At every step of the mortgage journey, our team will be there to answer any of your questions and keep you informed.
Here at Beverleymoneyman, we have access to a large panel of lenders which means our team can search through thousands of mortgage deals so we can find you the most appropriate deal for your circumstances.
If you are looking to move home in Beverley with a mortgage, get in touch with your team today! All our customers both old and new are offered a free mortgage appointment with a knowledgeable Mortgage Advisor in Beverley. We look forward to helping you achieve your mortgage goals!
Whether you are looking at moving from outside of Beverley into a neighbouring city or live in an area more rural and live within close proximity of the city. we have a team of mortgage advisors who have a brilliant reputation for helping many customers fulfil their home moving and mortgage goals.
Below we have collated a list of the different moving home scenarios that we encountered when speaking to customers going through the moving home process.
How Much You Can Borrow & The Costs
It’s common for customers to contact us earlier on in their mortgage journey as a way to take advantage of our open & honest Mortgage Advice in Beverley.
It’s likely that these customers get in touch with our team usually is wanting to get a further understanding of an estimate of the amount they would be able to borrow. Along with this, they would want to know the interest rates for this and how much their monthly repayments might be.
When you have attended your free mortgage appointment, your designated mortgage advisor will have an idea of your financial situation and goals. From this, they will look through thousands of products in order to find you the perfect mortgage that lines up with your personal situation.
When you agree to continue with our mortgage recommendation, it’s then time to progress your mortgage and look at getting an agreement in principle sorted out for you. With your AIP by your side will show to a seller and a lender that you are in a serious position to proceed and can be helpful in the negotiating process when looking at properties in Beverley.
In the case where you have already had an offer accepted on your potential new home, it’s now the job of your dedicated Mortgage Advisor in Beverley who will work hard to get your full mortgage application process started.
Our team go beyond the mortgage by providing you with information about the range of property surveys available as well as recommend a brilliant conveyancing solicitor for you to use.
In the case where you have approached a Bank or Building Society and they have not accepted your remortgage application, this could be down to various reasons.
You may have not met the lender’s strict credit scoring criteria or you may have not been eligible to borrow as much as they would like.
Please don’t lose hope! It’s still helpful to contact an open and honest Mortgage Broker in Beverley. They will be able to explore a range of specialist mortgage lenders along with unique deals.
Our team have access to a range of mortgage lenders on panel with many of them offering specialist products for niche situations, some benefitting applicants who maybe have a poor credit score. Our team have thorough and lengthy knowledge when it comes to mortgage lending criteria.
Keep in mind that these are the most common we have encountered when speaking with customers who are looking at seeking mortgage advice for Moving Home in Beverley.
Therefore, you may not relate to any of the scenarios stated above, however, it’s still best to get in contact with one of our mortgage advisors today. With over a decade of mortgage experience under our belt, there is high chance we have worked with a customers in your situation before.
For those who are exploring their option of moving home in Beverley, our team of reputable Mortgage Advisors in Beverley are here to help! They will be with you throughout the process to provide a helping hand from the initial point of contact to obtaining the keys to your new home.
As a Mortgage Broker in Beverley, we have a hard working mortgage advice team who will work alongside the advisors to help them towards achieving the goals of getting onto the property ladder. It’s also rare for us to encounter a situation we haven’t come across before.
Here at Beverleymoneyman, all our customers are offered a free home movers review at the start of the process, with no obligation to proceed. Within this review, our team will look through your mortgage plans as well as determine whether or not you will manage to keep up your payments. Along with this, we will look at the amount you may be able to borrow as well as your monthly outgoings.
When our team have collated some initial information from you and has got an idea of what you are looking to achieve, your dedicated mortgage advisor will then go away and search through thousands of varying mortgage deals so they can find you the most appropriate one for your circumstance.
As soon as you feel happy with our recommendation, it’s then for our team to help you get a mortgage agreement in principle which is helpful when you are looking to back up any offer you make on a property.
If you have found your next home in Beverley and have had an offer accepted on the property, it’s then time for your mortgage advisor to process your full application on your behalf as well as providing you with the help and guidance you need all the way to the end of the process.
We strive in going above and beyond the mortgage, there’s a lot more to it than finding you the perfect mortgage. Our team can help arrange you a survey to be carried out on your potential new property as well as provide quotes from conveyancing solicitors.
Along with being provided with a mortgage recommendation, we will also recommend you the most suitable insurance to take so you are protected should an unfortunate event occur that could negatively impact your ability to pay your mortgage bills.
Our hard working and friendly team of mortgage advisors are available 7 days a week to provide support and answer any questions you may have towards achieving your moving home aims. We look forward for your call!
5.00 Rating36 Reviews
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...
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...
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...
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...
Liam
Really good service and friendly too
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.
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
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...
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
Oliver
Wayne and Meghan were great and everything was sorted without issue or effort. Great advice and got the product I needed. Great service.
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...
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...
Gemma
Very helpful and professional
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
Laura
Very helpful. Reply to emails quickly and clearly. Would definitely recommend
bethany
Very much recommend! BMM are great to work with - efficient, dependable and knowledgeable.
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....
Andrew
To say we have had a nightmare of a process of trying to buy a house would be an understatement, however Wayne and team were the bright light that helped us get through it. Can't thank them enough for their help.
Kazim
That nice 😊
Kristina
Brilliant service! Would highly recommend! Tom at the Birmingham branch was amazing. We're first time buyers so we were very unsure of the whole process and had lots of questions. Tom gave us all the support and guidance we needed and was there...
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.
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.
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.
