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Moving Home Mortgage Advice in Sheffield

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We Take the Stress Away From Moving Home in Sheffield!

If you are looking for Moving Home Mortgage Advice in Sheffield, then you have come to the right place. We have been delivering Mortgage Advice in Sheffield for over 20 years now and have helped thousands of Home Movers like you get over that finish line so that they can move into their new home!

 

We know that Moving Home can be tough, and that’s why we want to offer our complete help and support. Our fast and friendly Mortgage Advice also comes with responsiveness and spectacular customer service. Our amazing team of Moving Home Mortgage Advisors in Sheffield always aim to deliver the best service that they possibly can, as well as trying to find the best mortgage deal for you and your new home.

 

Feel free to check out our excellent customer reviews to see what our customers have thought about our Mortgage Broker in Sheffield.

 

If you are thinking about Moving Home, you should get in touch with a fantastic Mortgage Advisor in Sheffield at Sheffieldmoneyman. We are always around to offer a helping hand, 8am-10pm, 7 days a week. Get in touch and receive a free initial mortgage consultation from an expert Mortgage Advisor in Sheffield.

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

 

How does it work?Get a quote nowMeet your advisor

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

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Common Moving House Scenarios

  • You may have had an offer accepted and want to get started on your mortgage application in Sheffield.
  • There may be some houses you’ve started looking at and you want a mortgage agreement principle to back up any offers that you make.
  • You may wish to put your house up on the market in the coming months and are in need of general idea of how much you would be able to borrow and what the costs could be.
  • Your house has been sold and are hoping to put yourself in a better position where you can start putting forward offers to estate agents.
  • For some unfortunate reason, such as a failed credit score, the bank won’t lend enough or you don’t fit specific criteria, the bank has turned you away.
  • You may have an unusual or complex situation and are in need of Specialist Mortgage Advice in Sheffield.

 

If any of these situations apply to your current situation, it may be worth your while getting in touch with our brilliant and hardworking team of mortgage advisors in Sheffield. If your circumstances are not listed above, don’t worry, it’s more than likely that we have dealt with a similar or the same situation in the past at some point. Our team love to be presented with a good challenge, and will go above and beyond to try and ensure you find success in your mortgage venture.

 

How would a Mortgage Broker in Sheffield benefit me?

There are many different reasons why you should consider using the services of a trusted and reliable Mortgage Broker in Sheffield. However, there are lots more great reasons to why you should choose us as your Mortgage Broker in Sheffield:

  1. We work solely for you, having no commitments to an estate agent, bank or building society. We have no vested interests with the vendor, as it is our job is to provide you with an impartial, open and honest mortgage advice service that ultimately results in a favourable deal for both your personal and financial circumstances.
  2. It’s our job to make you feel relaxed and comfortable right from your initial enquiry through to when you get the keys to your home & beyond.
  3. We are very proud of the level of customer service we provide. Our service is reflected in our wonderful customer reviews, so please feel free to give them a read.
  4. Unlike your bank, our team will search through thousands of mortgage deals to make sure you find the perfect deal that suits your mortgage needs.

 

If you are struggling to get over any of these hurdles, it is important that you don’t keep trying loads of different lenders without being 100% sure of their lending criteria. When you keep applying to different lenders and keep getting denied you are at risk of getting a negative impact on your credit score. This could lower your chances in getting accepted for a mortgage, which is not what you want!

 

Get in touch with us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

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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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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Sheffieldmoneyman.com & Sheffieldmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Sheffieldmoneyman

Sheffieldmoneyman, Courtwood House, Silver Street Head, Sheffield, S1 2DD.

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