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 individual circumstances. With over 20 years worth of experience under our belt as a trusted & loyal mortgage broker in Sheffield, we have an in-depth knowledge of mortgage criteria and how the mortgage process goes.
We’re very proud of the service we provide to our customers, 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 provide guidance & support to you throughout your situation, providing a fast and friendly customer experience, as free of stress as we can possibly make it.
Our team of dedicated mortgage advisors in Sheffield have your back. From the beginning of your mortgage journey, right through to the end and even beyond, your assigned mortgage advisor will make sure you are taken care of and well informed, ensuring that you end up with the most appropriate outcome for your personal & financial circumstances.
We approach every case with an aim to save both your time and money, providing a quick, easy and jargon free mortgage experience with a reliable mortgage broker in Sheffield. We will always be both open and honest, ensuring the service we provide is completely transparent and beneficial towards you and your mortgage goals. You can read all about the levels of customer service that we provide by taking a look at our amazing Customer Reviews.
No matter whether you are a First-Time Buyer in Sheffield or haven’t moved home in a while, buying a new property is a rather complex and at times, intimidating experience. With this in mind, we hope that you are able to find our service to be of use to you, much like it has been to previous customers who may have been in similar situations and gotten in touch. Receiving support and assistance from a trusted mortgage advisor in Sheffield would open up your options and allow for a quicker & easier mortgage process.
If you are currently looking to Remortgage, our service may also be beneficial to you as a current homeowner. As a mortgage broker in Sheffield, we are able to search through thousands of Remortgage deals and find the most ideal for you and what you’re looking to achieve with your Remortgage. In some cases customers prefer to look into capital raising options, for things like home improvements, paying off credit cards and more.
We are free from any estate agents, banks or building societies, only having your best interests at heart and will do what we can do to help you get one step further to achieving success in the mortgage world.
At Sheffieldmoneyman, we work solely for you, with no connection nor commitment to high street banks, building societies or estate agents. By taking this approach we are able to provide a more personal and in-depth mortgage advice service. At the end of the day, our main goal is to ensure you achieve your own goals and end up with your very own great mortgage deal.
Our team is very experienced and knowledgeable when it comes to mortgages, with our director alone having over 20 years in the industry, so there is rarely a situation we haven’t come across before. If you are a Self-Employed applicant, 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, we may also be able to help. We have experts in that field in our team of fantastic mortgage advisors, so it’s always worth getting in touch as most of the time we’ll be able to help.
The same goes for if 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, as whilst they’re complex situations that require a lot of work, there are still options out there for you and your dedicated advisor will do the leg work, hopefully ensuring a favourable outcome at the end of the process.
Often, our customers approach their own bank before prior to be getting in touch with a mortgage broker in Sheffield. The most common reasons we hear for the banks not being able to help are; you didn’t quite match their criteria or their tight affordability, you are unable to get an appointment, or simply you just can’t borrow enough.
If you are in one of these situations, it is vital that you take the time to speak to a mortgage advisor in Sheffield. Our motivated and ready team are always chomping at the bit to help customers through their process, especially when you’ve been faced with hurdles. We love a good challenge, so never be put off if you feel the situation you’re in is a rough one! 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.
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, hopefully finding one that is favourable and beneficial to you.
Ideally, you should have a chat with an expert mortgage broker in Sheffield, like us, before viewing houses with Estate Agents. This is because our advisors will be able to give you an idea of your budget and obtain you a mortgage agreement in principle document, something that will ensure you are ready to support any offers you wish to make on a potential property in the future.
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.
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.