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Open & Honest Mortgage Broker in Sheffield

Mortgage Advice in Sheffield - 7 days a week

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

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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 407 0086 or Book an appointment online.

Book Online

For your FREE mortgage consultation call 0114 407 0086 or Book an appointment online.

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.

Book Online

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 our website and mortgage broker in Sheffield – Sheffieldmoneyman.

 

Our job as a mortgage broker in Sheffield is to provide our full support and guidance throughout the whole mortgage process.

 

Here is what we can help you with:

 

Search through 1000s of mortgage deals to find one tailored to your personal and financial situation.

 

Prepare your mortgage application with you and help submit it.

 

Overcome complicated mortgage situations that require specialist help.

 

Check whether you qualify for any of the help to buy/government schemes (these could help you get onto the property ladder).

 

Find the most appropriate property survey based on the property you’re buying/planning to buy.

 

Make an offer on a property (if you want us to help you with this part).

 

Free Mortgage Consultation

All of our customers can benefit from a free mortgage consultation – matter their mortgage circumstances.

 

All that you need to do is get in touch with our responsive mortgage team and your mortgage journey will begin.

 

Whether you’re thinking of buying a home, viewing properties or ready to make an offer, we can help during any stage of the mortgage process.

 

Mortgage Advice for new Purchases and remortgage Advice in Sheffield

If this is your first time experiencing the home buying process, or you haven’t moved in a while, you will hopefully find our service beneficial.

 

No matter your circumstances, our team is determined to ensure that your process runs stress-free and smooth.

 

We support all our customers throughout the entire process and help you overcome any hurdles we face.

 

We can search thousands of deals for current homeowners looking to remortgage to find the most suitable deal to match your circumstances.

 

Some customers would like to discuss capital raising options when it’s time to consider remortgaging, including raising money for home improvements, paying off credit cards and loans, etc.

 

Providing top-level mortgage advice in this specialist area, we will always be open and honest with your interests at heart.

 

Why choose Sheffieldmoneyman?

We have been working in the mortgage industry for over 20 years; our mortgage advisors in Sheffield have come across almost every mortgage scenario possible.

 

Our experience and knowledge in the industry combined with our determination to secure you a competitive mortgage deal, depending on certain aspects such as your credit file and affordability, we should be able to help you cross over that mortgage completion finish line!

 

Specialist Mortgage Scenarios

From trying to obtain a second mortgage to getting one with a CCJ, there aren’t many specialist situations that we haven’t crossed paths with before.

 

Each mortgage advisor of ours in Sheffield specialises in different mortgage situations. After your free mortgage consultation, your next point of contact will be your own dedicated mortgage advisor in Sheffield who will specialise in your specific mortgage situation!

 

We even have access to specialist mortgage products. These limited deals are only available through a certain amount of lenders; sometimes, you’ll find that banks and building societies can’t access these deals it’s just mortgage brokers, like us.

 

7 Days a Week

Our brilliant team are available to talk 7 days a week. They work from early in the morning until late at night to make sure that you can contact them at a time where you feel most comfortable.

 

These working hours also run parallel with our mortgage advisors working schedule, meaning that you can book in a mortgage appointment before work, after the school run or late at night if you need to!

 

We want the very best for you, in all situations. Let us help you find the perfect mortgage product that will do nothing but benefit your personal and financial situation.

Getting Mortgage Advice From Your Bank

Often, our customers approach their bank before contacting us for mortgage advice in Sheffield.

 

The most common reasons for the banks not being able to help are; not fitting criteria/tight affordability, can’t get an appointment, or can’t borrow enough.

 

If this situation applies to you, it is essential to speak to a mortgage broker in Sheffield, like us, who would love to try and help you!

 

The earlier you get advice from a mortgage broker in Sheffield, the better position you will be in when you decide it’s time to secure a mortgage deal.

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

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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 in Sheffield. 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 in Sheffield, you will need to meet a minimum deposit. Typically, with high street lenders, this 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 in Sheffield 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 in Sheffield, 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 in Sheffield will take about an hour. Once your consultation is completed, 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.

© 2021 Sheffieldmoneyman

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

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