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Mortgage Broker in Chesterfield

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Mortgage Broker Chesterfield

Fast & Friendly Mortgage Advice in Chesterfield

Hello, and welcome to your new home for Mortgage Advice in Chesterfield. If you are looking for an expert Mortgage Broker to help you through the home buying process, you have come to the right place.

We have been working in the mortgage industry for over two decades now, so usually know how to help every single mortgage situation. No matter your mortgage scenario, we will try and get by it together and help you secure a great deal in Chesterfield.

We love to share and show off what others have thought about our amazing mortgage advice service in Chesterfield. If you want to take a look for yourself, head over to our reviews page.

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Our Mortgage Advice Service in Chesterfield

We have been delivering our amazing Mortgage Advice Service for over two decades now, here’s how our process works:

Step 1: As a Mortgage Broker in Chesterfield, we will get a few details from you so that we can pass these on to one of our Mortgage Advisors in Chesterfield.

Step 2: Once we have passed on your details to one of our Mortgage Advisors in Chesterfield, we will arrange your free mortgage consultation with them. This consultation will last around half an hour.

Step 3: During this step, you will have your free mortgage consultation with one of our dedicated Mortgage Advisor in Chesterfield. After you’ve finished your consultation, your advisor will begin searching through 1000’s of mortgage deals for you, in order to find the best product for your individual situation. If you are unable to obtain a mortgage at the current time, our Mortgage Advisors in Chesterfield will recommend ways that could improve your chances of being accepted in the future.

Step 4: If you are happy with your deal and want to move forward with your mortgage offer, we can get the ball rolling and progress with submitting your mortgage application.

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8am-10pm Mortgage Advice in Chesterfield

Our Mortgage Advisors in Chesterfield work from 8 am – 10 pm, 7 days a week so that you are able to contact us at a time that suits you best.

We aim to go above and beyond for every customer. No matter the mortgage situation, we will do our best to try and secure you an excellent mortgage deal.

Receive a free mortgage consultation when you get in touch. Contact your Mortgage Broker in Chesterfield today!

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

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Specialist Mortgage Advice in Chesterfield

We've come across many difficult hurdles whilst working within the mortgage industry. This experience has opened us up to new ways of tackling tricky mortgage scenarios that require specialist attention. We can use our knowledge and skills to try and help you next!

Bank vs Broker

A bank can only offer you their own in-house products, whereas a Mortgage Broker in Chesterfield like us, has access to thousands of different lenders, each with their own unique deals. We will try and pick out the perfect product for you that matches your personal and financial situation.

Free Mortgage Consultation

We offer every customer a free initial mortgage consultation. During this consultation, we will get to learn a little bit about your current financial situation so that we can search for deals that we know will match you best. Get in touch today and get a free consultation with one of our Mortgage Advisors in Chesterfield.

8am - 10pm

We are available from 8am-10pm, 7 days a week - Contact us at a time best suited for you!

Dedicated Advisor

You will have a dedicated Mortgage Advisor in Chesterfield by your side through the whole process.

Our Reviews

If you want to see what other people have said about our amazing service, be sure to check out our reviews.

Mortgage Calculator

Try using our free mortgage calculators to get an estimation of how much you could to borrow.

Free Guides

We have lots of free, handy mortgage guides for you to check out, e.g. How to Improve your Credit Score.

Common Mortgage Questions

You will need to have at least 5% of the sale price of your new build property in Sheffield. The Government will then help you out by loaning you up to 20% to the property value.

Most lenders will use the discount as a deposit for your mortgage. However, some lenders will require you to put down a deposit in addition to the discount. This is sometimes the case if you have credit problems. Our Mortgage advisors in Sheffield will be able to help answer all of your right to buy deposit questions.

The minimum deposit for a Buy to Let mortgage is usually 25% of the property value. However, this can vary between 20%-40%. If have any further questions regarding you Buy to Let mortgage deposit, speak to one of our Buy to Let Mortgage Advisors in Sheffield today.

If you are on your lenders SVR (Standard Variable Rate of Interest) it is more than likely that you are able to save money! As a Mortgage Broker in Sheffield, we will compare the new products available against your current mortgage deal to work out these savings for you. If you have equity in your property in Sheffield, a remortgage would also allow you to release some of this money if required. Usually, for home improvements.

You can Remortgage and increase the size of your mortgage to pay off unsecured debts. Please do not rush into this though as there are some downsides. Always seek Mortgage Advice in Sheffield before consolidating your debts!

Your free remortgage consultation in Sheffield will last around 1 hour. Your remortgage consultation can be carried out over the telephone or face to face. We will then compare a new deal vs your current product and recommend the most suitable with no obligation. You can then decide whether you wish to go ahead or not.

The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Sheffield will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.

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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