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Specialist Mortgage Advice in Beverley

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01482 231990

Declined by the Bank? We Might be Able to Help!

Having a Mortgage Broker in Beverley on your side will prove invaluable to you if your situation is complex or ‘out of the ordinary’. Often, customers that contact us have previously tried to get a mortgage with a bank or estate agent and been declined for one reason or another. We’re always happy to help them.  

 

How does it work?Get a quote nowMeet your advisor

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

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Lending Criteria

We work from a large mortgage panel consisting of both high street and specialist mortgage lenders.

 

We will listen to your individual requirements in order to recommend the right product for you. Our open & honest Mortgage Advisors in Beverley will be more than happy to help. 

Complicated Situation? – Why not try us?

  • Sale under value mortgages
  • Buy to Let Ltd company (SPV’s) mortgages
  • Divorce / marital split mortgage advice
  • Government Help to Buy mortgage schemes
  • Forces Help to Buy scheme
  • Adverse credit / bad credit & DMP’s
  • Shared ownership mortgages
  • Professional mortgages
  • Second-home mortgages
  • Right to Buy mortgages
  • Non-standard construction property mortgages
  • Mortgages past retirement date
  • Offset mortgages
  • Anything else?

Specialist Mortgage Advice in Beverley

We receive calls on a daily basis from customers who have been let down by their bank or estate agency Mortgage Advisor, often last minute.  

 

These people are usually weeks into the mortgage application process and then get declined for one reason or another. In most cases, the problem should have been picked up by the Mortgage Advisor at the outset!

 

This can be a very stressful and costly time and may result in the loss of a property. This is where we come in, your Mortgage Broker in Beverley is here to help! You will feel like you’re in safe hands with us!

 

Our experienced Mortgage Advisors in Beverley are here to help.  They have in-depth knowledge of lending criteria and will usually be able to find you a mortgage deal.  

Reasons to choose us as your Mortgage Broker in Beverley?

  • We’ll be here for you for help and support 7 days a week! Buying a property isn’t always easy, we’ll help you over any hurdles you face throughout the whole process.
  • It’s our job to take the stress away, we’ll aim to make you feel relaxed and be open and honest.  
  • Your service is really important to us, please read our genuine customer reviews at Reviews.co.uk.
  • We are accommodating! Mortgage Advice is available on a face to face or over the phone – whichever one you’re most comfortable with.  It’s the same service either way!
  • Unlike a bank, we’re able to search for products from a large number of mortgage lenders, some specialist to find the right deal for you.
  • We’ll help you with any existing mortgages and properties in the background, and the options available with these if required.

What our customers say

Common mortgage
questions

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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in Beverley!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

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.

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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.

© 2021 Beverleymoneyman

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