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Specialist Mortgage Advice in Beverley

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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:

Mortgage Lenders 007

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 local 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 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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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.

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