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Our Mortgage Advice Services in Sheffield

Mortgage Broker in Sheffield

As a Mortgage Broker in Sheffield, our main job is provide you with full help and guidance throughout the whole of the mortgage process. We will also try and find you a competitive mortgage deal that suits both your personal and financial situation.

Here is some information about our process, service and customer reviews in Sheffield.

How does our process work?

Firstly, let’s take an in-depth look at our mortgage advice service; not many people actually know what we do! As a Mortgage Broker in Sheffield, our main responsibility is to find you a competitive mortgage deal that benefits you financially and personally as well as helping you through the whole mortgage progress.

Step 1

1. Firstly, once you get in touch with our responsive team, we will get a few details from you so that we can pair you with a Mortgage Advisor in Sheffield that specialises in your personal situation.

We will schedule a free mortgage consultation with your Mortgage Advisor in Sheffield so that we can learn even more about your mortgage situation and start comparing mortgage deals for you.

Step 2

2. During your free consultation, your dedicated advisor will get a better picture of your personal and financial situation. When they have the information that they need, they can start looking for mortgage deals for you, trying to find one that tailored for you!

If they manage to find a deal that’s perfect for you and you are happy to proceed with it, it’s time to get your mortgage application prepared.

Step 3

3. At this stage, we will approach the lender and get an Agreement in Principle (AIP) for you. An AIP will show that the lender is willing to let you borrow from them for a mortgage given that you can provide evidential documents to back up things like your income and credit score. During this part of the process, you can start house hunting with your AIP to back up any offers.

After we’ve got an AIP for you, we will begin getting evidential documents from you to back up your mortgage application. These will be things like your payslips, bank statements, photographic ID, etc. This step will vary if you are a self-employed applicant.

Step 4

4. If everything looks good on our end and we think that you’ll be able to afford a mortgage and you’ll pass the lender’s credit scoring criteria, we can get your application submitted!

Now it’s just a waiting game. Usually, a mortgage application can take up to three weeks to return; we’ll keep you updated throughout this step of the process and make sure that you are informed right away if we receive any updates on your application.

Once we hear back from the lender and get the green light to go ahead, everything is complete! Congratulations, now it’s time to start looking at moving into your new property!

Our service

At Sheffieldmoneyman, Mortgage Advice in Sheffield is available to anyone who needs our help. We are determined to try and find a solution to your mortgage problem, even if we are unsure of the situation. However, it’s unlikely that we’ll be faced with a situation that we don’t know how to handle; we’ve been working in the mortgage industry for over two decades now and have faced almost every mortgage scenario possible.

We aim to provide a responsive service to every customer. Working from early until late, 7 days a week allows you to get in touch during a time of day when you feel most comfortable. If you get in touch after work hours, no worries, we will still pick up the phone! Our team work to ensure that you can talk to us at a time that best suits you.

We are always open and honest with you too! For example, when it comes to remortgaging, if we can’t find you a better deal, we will advise that you stick with your current product. Our transparent Mortgage Advisors in Sheffield want the best for you in every situation.

Our goal is to provide you with a fast and friendly service. We aim to speed up the mortgage process for you, as we know how keen our customers can be to move into their dream home. Our friendly mortgage team will also be right by your side throughout the whole process; if you have a question, be sure to ask it right away!

Customer service

Customer service is at the heart of our business. We work for you and no one else!

During our two decades of working within the mortgage industry, we have collected a large number of customer reviews. We send a huge thank you to everyone who’s left a review of their experience with us. We hope that seeing some of our reviews nudges you closer to giving us a free call.

Here are some of our favourite reviews:

If you like the look of our reviews, why not check out some more. On our reviews page, we have plenty more for you to take a look at. If you are lucky, there may be someone that has used us who’s in the same situation as you!

Speak to a Mortgage Advisor in Sheffield

Now that you know everything about our mortgage advice service in Sheffield, it’s now your job to get in touch with our team. Our Mortgage Advisors in Sheffield are waiting for you to get in touch 7 days a week.

Take advantage of our free mortgage consultation in Sheffield today.

Whether you’re a first-time buyer or moving home in Sheffield, either way, we can’t wait to hear from you!

Can I Get a Mortgage with a CCJ

Bad Credit Mortgage Advice in Sheffield

https://www.youtube.com/watch?v=2O5cASlfY80

CCJ Mortgage Advice in Sheffield

A County Court Judgment (also known as a CCJ) is a court order in the UK that you will receive if you fail to repay money that you owe.

The good news is that with a mortgage broker in Sheffield like ourselves, who has lots of experience in helping customers with bad credit including CCJs, it can be made possible to get a mortgage with a CCJ. Usually, the bigger the deposit that you have to put down on your purchase, the easier it is to get a mortgage.

Once you have a CCJ associated with your name, your chances of getting a mortgage may be lowered. They will negatively impact your credit file and in some cases can stop lenders from lending to you altogether. If you have recently been issued with a CCJ and you need specialist mortgage advice in Sheffield. You should know that our Mortgage Advisors in Sheffield are here to try and help you through these complex situations.

We have come across many CCJ mortgage applicants during our two decades of working within the mortgage sector, so don’t hesitate to get in touch with our experienced team of Mortgage Advisors in Sheffield.

When submitting a mortgage application with a CCJ in your name, you should expect your Mortgage Advisors in Sheffield to take a look at a few things…

• How many CCJ’s are linked to your name
• The amount left on the CCJ’s
• Are the CCJ’s satisfied or unsatisfied
• How large your deposit is
• The date when the CCJ(‘s) was/were issued

How do you get a County Court Judgment (CCJ)?

If you fail to back overdue payments, you will end up receiving a CCJ. You may get a CCJ for not paying back a small loan or it could even be for missing numerous mortgage payments. A CCJ will be issued if you cannot make up the funds to pay back the owed amount.

When you are issued a CCJ, you will be allowed a 30-day window to pay off the outstanding debt. If you meet the payment within the given timeframe, you will get the CCJ stripped from your records. If you can’t meet this payment window, you will have the CCJ registered on your record for 6 years from the date that it was issued.

Can I still get a mortgage with a CCJ?

With the help from a mortgage broker in Sheffield like us, it may be possible to obtain a mortgage with a CCJ. We are very experienced within this field and have helped many customers in a similar situation before.

If you fail to pay back the overdue amount of the CCJ within 30 days, you will have it on your record for the next six years. Whether lenders will accept you for a mortgage or not whilst you have a CCJ, usually depends on two factors: how long ago was the CCJ issued and how much is left to pay back on the CCJ?

Typically, although depending on the lender, the longer that you have had a CCJ, the more likely it is that a lender will accept you for a mortgage. Our Mortgage Broker in Sheffield works with lots of specialist lenders each holding their own lending criteria and policies relating to bad credit mortgages. It’s your mortgage advisor’s role to recommend the best deal for you based on your individual situation and credit status.

If everything looks good to your lender or Mortgage Broker in Sheffield, you may be on your way to getting accepted for a mortgage. Of course, there are other methods, such as improving your credit score, when it comes to getting accepted for a mortgage.

Lenders will also want to know if your CCJ is linked to previously missed mortgage payments, bad management of finances or whether the CCJ and your financial circumstances impacted the property in any way.

Can I dispute a CCJ?

If you strongly feel like you shouldn’t have received the CCJ in the first place and you have enough evidence to show that it shouldn’t be in your name, you can dispute a CCJ if you want to do so.

Disputing a CCJ can be expensive and tricky, however, if you manage to get it removed from your records by doing so, it will be worth it in the long run. To appeal your CCJ, you will need to complete an N244 form and send it to the court. If they feel like there is enough evidence to back your case, they will arrange to have it re-opened and you may be on track to get the CCJ removed from your records. If the court agrees that you shouldn’t have received the CCJ, they will remove the CCJ from the Register.

Does the date of my CCJ make much of a difference?

The date that your CCJ was issued will affect your mortgage application. If you have only just been given the CCJ and there are large sums of overdue payments linked to your name, it may be more unlikely that you’ll be accepted for a mortgage. The longer that it has been on your records as a satisfied CCJ, the more likely it is that you’ll receive a mortgage offer.

If you’ve got a satisfied CCJ, yes it will be still on your credit file, however, the lender will be able to see that it’s been paid off which could aid your application. As a mortgage broker in Sheffield, we work with lots of different specialist lenders, each with their specialist criteria. It’s our mortgage advisors in Sheffield who will help you find a perfect deal that you will match with.

How can I rebuild my credit score after receiving a CCJ?

It may be possible to begin rebuilding your credit score after receiving a CCJ in Sheffield. There are a lot of different things that you can try to get your credit score back on track. There are many ways to improve your credit score, some include: registering on the electoral roll, closing unused credit accounts, removing your financial links to others and keeping your addresses up-to-date just to name a few examples.

If you are looking for bad credit mortgage advice in Sheffield, get in touch with our excellent team. Historically, after two decades of working within the mortgage industry, we have dealt with many clients applying for a mortgage with a CCJ. We may be able to help, it entirely depends on your circumstances.

Mortgage Advice in Sheffield | Why Speak to a Mortgage Advisor?

Providing Mortgage Advice in Sheffield for over 20 years

Should I get Mortgage Advice in Sheffield? Why would I need to get Mortgage Advice in Sheffield? If you are asking your self these questions then you may need to evaluate your situation and see whether you could do with a helping hand.

Should I get Mortgage Advice in Sheffield?

Usually, our customers tend to come to our Mortgage Broker in Sheffield after they’ve been turned away from their bank. On the other hand, we also get a lot of First Time Buyers in Sheffield that are struggling to take that first step onto the property ladder.

However, just because these situations aren’t the same as yours, it doesn’t mean that we won’t be able to help. Our Mortgage Broker in Sheffield specialises in a variety of different mortgage types, so if you are interested in Moving Home in Sheffield, Buy to Lets, Remortgaging or Right to Buy mortgages, don’t hesitate to get in touch and get Mortgage Advice in Sheffield. Even if you think that your situation is too complicated, we are here to help and it’s more than likely that we’ve covered a similar or the same scenario before.

How can a Mortgage Advisor in Sheffield help?

Once you have given us a call or enquired via our contact page, we can get the ball rolling. We will process your details and make up a picture of your situation. Next, we will pair you up with a Mortgage Advisor in Sheffield who will use your profile to compare you with thousands of mortgage deals. It’s just the case of your advisor finding you that perfect, competitive deal that matches your individual circumstances.

Our aim is to try and save you both time and money, as well as still delivering a fast and friendly service. Our advisors will be by your side during every step of your mortgage journey; they know that it can get stressful sometimes! It’s not just about getting Mortgage Advice and getting a great deal, it’s also about the service and having a friendly face to take the stress off your back.

Free mortgage consultation

We offer a free mortgage consultation to every single customer that approaches us, no matter the mortgage situation. If you need Mortgage Advice in Sheffield, you should get in touch right away and take advantage of this great offer.

Unlike other mortgage brokers, we work solely for you! Every bit of information that you share with us is strictly confidential. This applies to our free mortgage consultation stage too, even if you don’t want to continue your journey with us.

It’s remarkable what we can get done within 24 hours of your application. From your phone call to beginning your search for a home, all within 24 hours!

Our service in Sheffield

Customer service is at the heart of our company, it always has been. We aim to exceed all of our customer’s expectations by providing a fast and friendly but responsive mortgage advice service in Sheffield. Our team of Mortgage Advisors in Sheffield will always go above and beyond for you, getting things right first time is what we do best!

If want to see what our clients have said about our mortgage advice service, feel free to check out our reviews… they’re outstanding!

Availability

As a responsive Mortgage Broker in Sheffield, we have someone to speak to 7 days a week. On top of this, you can enquire anytime on our contact us page and we will get back in touch in no time.

We always look forward to hearing from new customers every single day. If you are in need of Mortgage Advice in Sheffield and want some stress taking off your back, you know who to call.