Welcome to our Mortgage Advice Website. We are a Mortgage Broker in Barnsley, providing you with expert knowledge in Barnsley and surrounding areas.
We are here to give you complete guidance throughout the whole mortgage process. Working within the mortgage industry for over 20 years has allowed us to face every mortgage situation. Sometimes, obtaining a mortgage isn’t as easy as it seems and that’s why you should speak to a professional Mortgage Advisor in Barnsley like us today.
Feel free to check out our amazing online reviews from customers who have loved our service, click here to go to our reviews page.
Whether you are a First Time Buyer trying to find that perfect starting home or current home-owner thinking of Moving Home, we can help! You may be looking to Remortgage, interested in Buy to Let Mortgages, need Help to Buy mortgage advice or just general Mortgage Advice in Barnsley. No matter your situation, we will always be happy to try and help; guiding you through these situations is what we do best.
In Barnsley, we will search through 1000s of mortgage deals for you until we find the perfect one for you. We want you to come out with the deal best suited to your personal and financial situation.
Do you feel like your situation is a little complicated? Don’t worry! Having dealt with thousands of specialist cases, it’s more than likely that we’ve already got through a similar or the same situation before.
As an experienced Mortgage Advisor in Barnsley, we work solely for you as we are not tied to estate agents or mortgage lenders. This makes your mortgage journey with us more personalised and tailored to your needs.
Help and guidance are available 7 days a week; your Mortgage Broker in Barnsley will always be waiting by the phone or for an email if you ever need help with anything or have a question.
We want you to be happy and feel secure when going through the mortgage process. This is why we make everything strictly confidential between us.
Whether you’re new to the home buying process or haven’t moved in a while, either way, you’ll hopefully find our Mortgage Advice service in Barnsley extremely beneficial.
We will support you throughout the whole process and be there to help overcome any hurdles that you face along the way.
For current homeowners who are looking to remortgage, we will search through 1000s of deals trying to find the best one for you. We often find, at the time of remortgage, our customers like to discuss capital raising options. This includes raising money for home improvements and paying off credit cards and loans etc.
In Barnsley, we always aim to deliver excellent service to every one of our customers. Being responsive, caring, open and honest is what we do best. We love helping you through the mortgage process and seeing you come out with the best deal that was available to you!
We encourage you to claim a free initial mortgage consultation with your expert Mortgage Broker in Barnsley today
You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call, we may be able to help!
Seeking advice from a professional mortgage broker in Barnsley can benefit you in multiple ways. For example, we can compare 1000s of deals, we have large number of mortgage lenders on panel (some with specialist mortgage products) and we offer a free no-obligation mortgage consultation to every customer!
Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.
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.