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Mortgage Broker in Rotherham

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Open & Honest Mortgage Advice in Rotherham

Dedicated Mortgage Advisors in Rotherham

Welcome to our Mortgage Broker in Rotherham landing page. We are here to help provide expert Mortgage Advice in Rotherham. Regardless if you are a new/existing customer, you will always be in safe hands with us! 

No matter your circumstances, we aim to save you time, save you money and find you the most suitable mortgage deal. Get in touch and get your free mortgage consultation in Rotherham today!

Customer satisfaction is the heart of this company. Why not check out our genuine customer reviews from people who have come to us for help and loved our service. We go above and beyond to match their mortgage needs and challenge any hurdles that get in the way.

We may be able to help with:

🏠 Are you a First-Time Buyer in Rotherham searching for that ideal property?

🏠 Perhaps you are looking to Remortgage to save money or to raise capital for one reason or another?

🏠 Maybe you are a first-time landlord or an expert property investor wanting a Buy-to-Let Mortgage.

🏠 Mortgages for the Self-Employed, we might be able to help secure you a mortgage.

🏠 Explain to you the various Help-to-Buy Schemes and help get your foot onto the property ladder.

🏠 Maybe you eligible for the Right-to-Buy Scheme and need help get the ball rolling.

🏠 Some say that Moving Home is the third most stressful experience in your life. Rest assured this doesn’t have to be the case.

🏠 If you are in a more complex situation, we work with many lenders specialise in various areas to ensure customers have the best chance of succeeding.

 

We are aware of all the mortgage schemes and products available and will be happy to discuss these in detail with you. Our fantastic team of Mortgage Advisors in Bury will search through thousands of mortgage deals for you and compare them to find the best one for your situation.

Also, this will apply if you have had credit problems in the past, been bankrupt, have a CCJ and/or a poor credit score. It is most likely that we have already dealt with a similar situation. Even if you consider your situation complicated, don’t hesitate to give us a call.

 

Mortgage Advice for New Purchases & Remortgage Advice in Rotherham

If you are new to the whole home buying process or a bit rusty, we think our service will prove highly beneficial. We understand that buying a new home isn’t always a smooth process. We’ll support you through the whole process to overcome any hurdles that we face along the way.

Are you a current homeowner looking to Remortgage? We can search thousands of deals to find the best one for you. Sometimes, our customers like to discuss capital raising options at the remortgage stage, including raising money for home improvements and paying off things like credit cards, overdrafts and loans.

 

We Work For You

With our company not being tied to a particular estate agent or mortgage lender, we work solely to make your experience more personalised. As an expert Mortgage Broker in Rotherham, we will search through thousands of deals on your behalf.

A Mortgage Advisor in Rotherham is available to provide you with help and guidance with anything mortgage-related from 8am – 10pm, 7 days a week. Your Mortgage Broker team will always be at the other end of the phone or email when you need to talk.

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

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How do I transact with my Mortgage Broker in Rotherham?

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!

Why shouldn’t I go to my bank for Mortgage Advice in Rotherham?

The banks’ mortgage advisors are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing mortgage advice to customers with a variety of situations.

My bank turned me down – Will you be able to get me a mortgage?

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.

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We’ll help and support you anytime you need us, 7 days a week! The home buying process isn’t always easy, we’ll help you over any hurdles you face.

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We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.

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Please read our genuine customer Reviews at Reviews.co.uk. Your service is really important to us!

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Mortgage advice is available morning, evening or at the weekend. We’re here at a time that suits you and your family.

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We’re not like a bank – We’re able to search 1000’s of mortgage deals in order to recommend the best one for you!

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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