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Fast & Friendly Mortgage Advice in Sheffield

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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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

About Us

For your FREE mortgage consultation call 0114 407 0086

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

Open & Honest Mortgage Broker in Sheffield

Welcome to our website Sheffieldmoneyman, your online hub for expert Mortgage Advice in Sheffield. With an experienced team on hand and flexible hours from 8am until 10pm every day, we take pride in helping as many customers as possible achieve their home owning dreams.

 

You will be assigned a Mortgage Advisor in Sheffield who will work alongside you throughout your process, searching thousands of deals to find one that may fit your personal circumstances. With nearly a decade and a half of experience under our belt as a Mortgage Broker in Sheffield, we have an in-depth knowledge of mortgage criteria and how the mortgage process goes.

 

We take great pride in our service, helping the likes of First-Time Buyers looking to get started, current homeowners looking at Moving Home or taking out a Remortgage and current and budding Buy to Let landlords. It is our aim to guide you through your situation, providing a fast and friendly customer experience, as free of stress as possible.

Mortgage Advisors in Sheffield

Our team of Mortgage Advisors in Sheffield have your back. From the beginning of your process, right through to the end, your dedicated advisor will make sure they take care of you, ensuring that you end up with the most appropriate outcome for your circumstances.

 

It is our goal to save your time and money, providing a quick, easy and jargon free mortgage experience with a Mortgage Broker in Sheffield. We will always be both open and honest, ensuring the service we provide is nothing less than excellence. You can read all about our customer service by taking a look at our amazing customer reviews.

Mortgage Advice for New Purchases & Remortgage Advice in Sheffield

No matter whether you are a First Time Buyer or haven’t moved home in a while, buying a new property is not always easy and can be a daunting experience. With this in mind, we hope that you are able to find our service beneficial to you, much like it has been to previous customers. Receiving support and assistance from a trusted Mortgage Advisor in Sheffield would open up your options and allow for a quicker, easier process.

 

If you are currently looking to Remortgage, our service may also be beneficial to you. As a Mortgage Broker in Sheffield, we are able to search through thousands of Remortgage deals and find the most ideal one for you. In some cases customers prefer to look into capital raising options, for things like home improvements, paying off credit cards and more.

 

We are independent from estate agents, banks or building societies. We have your best interests at heart and will do what we can do further your needs.

Why use Sheffieldmoneyman as your Mortgage Broker in Sheffield?

At Sheffieldmoneyman, we work solely for you. This means no ties to high street banks, building societies or estate agents. By taking this approach we are able to provide a more personal and in-depth service. Really all we want is to ensure you achieve what you are aiming for and end up with a great deal.

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. Maybe you are Self Employed, are the director of a company, a partner, a contractor or on a probation period with a new employer and are finding it hard to get a new mortgage sorted out.

 

Maybe you are struggling with your credit, have had a CCJ, gone bankrupt, have a poor score. It’s here that a skilled and experienced Mortgage Broker in Sheffield will prove useful.

Getting Mortgage Advice from your Bank

Often, our customers approach their own bank before prior to be getting in touch with a Mortgage Broker 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 simply can’t borrow enough.

 

If you are in one of these situations, it is important to speak to a Mortgage Advisor in Sheffield. 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:

Mortgage Lenders 007

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 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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