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Fast & Friendly Mortgage Advice in Sheffield

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First Time Buyer

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Moving Home

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We love helping customers who really need Mortgage Advice in Sheffield - it's not just about finding a mortgage, we will hold your hand through the full process.

For your FREE mortgage consultation call 0114 4070086

About Us

For your FREE mortgage consultation call 0114 4070086

Malcoms Image

We love helping customers who really need Mortgage Advice in Sheffield - it's not just about finding a mortgage, we will hold your hand through the full process.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in Sheffield | Mortgage Advice in Sheffield

Welcome to Sheffieldmoneyman, we are your local expert Mortgage Broker in Sheffield. We offer trusted Mortgage Advice in Sheffield and surrounding areas 8am – 10pm, 7 days a week.

 

A Mortgage Advisor in Sheffield at Sheffieldmoneyman will search through thousands of mortgage deals on your behalf until they find the perfect one for your personal situation. By having over 11 years of valuable experience within the world of mortgages, we know exactly how to apply all of this when helping you through the mortgage process.

 

Whether you are a First Time Buyer trying to find that perfect starting home or a current home-owner thinking of Moving Home, we think our service would prove highly beneficial to you. You may be looking to Remortgage, interested in Buy to Let Mortgages, need Help to Buy Advice or just need general Mortgage Advice in Sheffield. Guiding you through these situations is what we do best and it is our service to you as our consumers to make your experience with us as easy and as stress-free as possible.

Mortgage Broker in Sheffield – We’re Open & Honest

We make sure that our superb team of Mortgage Advisors in Sheffield will take care of you from start to finish. They will dedicate their time searching through thousands of mortgage deals for you whilst ensuring that you get the best mortgage deal based on your individual situation.

 

As an experienced Mortgage Broker in Sheffield, we know how to save your time and your money, making the mortgage process nice and easy for you, which is what you want. We’re open & honest with you, making sure you receive an excellent service that you won’t forget. To hear more about our amazing customer service, feel free to take a look at fabulous reviews here.

Mortgage Advice for New Purchases & Remortgage Advice in Sheffield

Whether you are a First Time Buyer or haven’t moved home in a while, you’ll hopefully find our service highly beneficial to the extent that our past customers have. We all know that buying a new property isn’t that easy. So, receiving the support of a trusted Mortgage Advisor in Sheffield would open up your possible options and allow you to get through the process smoothly and with ease.

 

For current home-owners looking to remortgage, we are able to search through thousands of mortgage deals to find the best one for you. Sometimes, at remortgage time, our customers like to discuss capital raising options. Including, raising money for home improvements and paying off credit cards and loans etc.

 

Aiming to deliver the most proficient Specialist Mortgage Advice in Sheffield that we are able to, we’ll always be open & honest with your best interests at heart.

Why use Sheffieldmoneyman as your Mortgage Broker in Sheffield?

At Sheffieldmoneyman, we are not tied to a particular estate agent or mortgage lender, we work solely for you. This makes your mortgage experience with us more personal and secure.

 

At the end of the day, we want you to come out with the best mortgage deal possible that is the best suited to your personal situation.

 

Mortgage Broker in Sheffield for Complicated Situations

We hold a high level of expertise when it comes to mortgages, so there is rarely a situation we haven’t come across before.

 

Perhaps you are Self Employed, a company owner, a partner, a contractor or on a probation period with a new employer and are finding it hard to get a new mortgage arranged. This is where a skilful Mortgage Broker in Sheffield, like us, will become incredibly handy. Also, this will apply to you if you have had credit problems in the past. You could’ve been bankrupt, have a CCJ and /or had a poor credit score which will require Specialist Mortgage Advice in Sheffield which we are also happy to help with.

 

Getting Mortgage Advice from your Bank

Often, our customers approach their own bank before contacting us for mortgage advice. The most common reasons for the banks not being able to help are; not fitting criteria/tight affordability, can’t get an appointment, or simply can’t borrow enough.

 

Are you in one of these situations? If you are, it is important to speak to a Mortgage Advisor in Sheffield, like us. We would love to try and help you! The earlier you start the journey to finding reliable Mortgage Advice in Sheffield, the better position you will be in when you decide it’s time to secure a mortgage deal.

 

Mortgage Advisor in Sheffield

We have been in the mortgage business for a very long time now, making us knowledgeable mortgage experts in the mortgage field. We are able to search through thousands of both residential and Buy to Let mortgage deals on your behalf.

 

Ideally, you should have a chat with an expert Mortgage Broker in Sheffield, like us, before viewing houses with Estate Agents. This is because we will give you an idea of your budget and have a mortgage agreement in principle document ready to support any offers you make.

 

Being prepared by getting Mortgage Advice in Sheffield early in the home buying process will ensure you are in a great ‘mortgage ready’ position. This could put you ahead of any other home-movers, who haven’t been as organised when offering on your property and could as such make you a priority with certain landlords and Estate Agents.

 

 

Mortgage advice in Sheffield – Options:

First Time Buyer Mortgage Advice Sheffield

We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Sheffield

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Sheffield

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

Common mortgage questions

Your free mortgage consultation with a Mortgage Advisor in Sheffield will last approximately an hour. Once they have evaluated your situation, they will recommend a mortgage for you with no obligation for you to proceed. Based on the deal, you can decide whether or not you want to continue the process with us or not.

As a trusted Mortgage Broker in Sheffield, we carry out a fact find to verify your needs before recommending you with a mortgage deal. After a Mortgage Advisor in Sheffield has evaluated your situation, they will perform a credit check on you, this is required for an agreement in principle. Then after you have provided all of the relevant documentation and a valuation of the property has been carried out, a formal mortgage offer can be issued.

We always advise that you obtain an agreement in principle before you start viewing properties in Sheffield, to avoid disappointment. If you want to get yourselves a head start, you should get one prior to making an offer.

Typically, an agreement in principle lasts for between 30 and 90 days, however, this can change depending on your lender. If your agreement in principle expires, you can renew it quite easily.

Yes, you can get a second mortgage. Whether this is for debt consolidation or home improvements, this is possible. It is also possible to take out a second mortgage on a second property but only if it is own use, the use of a family member, a holiday home or a Buy to Let.

To buy a property, the minimum deposit that you will need with high street lenders is usually 5%. This percentage can be higher if you have previous credit problems.

It will be harder but yes you can. You will have to show that you can afford a mortgage by putting down a higher deposit, perhaps 10% or 15% of the purchase price.

Yes, however, you must submit at least one years’ accounts. Most lenders use your salary + dividend to calculate the maximum mortgage, whereas other lenders could base it of your net profit.

If you are an employee, you will need to provide three payslips to prove your income. If you are self employed, you will have to prove for the latest 2 years’ accounts. Along with this, you must produce proof of ID, address and 3 months’ bank statements.

Our free mortgage consultation will take about an hour. Once this is one, we can arrange an agreement in principle for you within 24 hours. A formal offer takes up to three weeks on average.

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Sheffieldmoneyman.com & Sheffieldmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
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.

© 2020 Sheffieldmoneyman

Sheffieldmoneyman, Courtwood House, Silver Street Head, Sheffield, S1 2DD.

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