Burger Menu

Moving Home Mortgage Advice in Sheffield

Get Your Free Consultation 7 Days a Week

0114 4070086

We Take the Stress Away From Moving Home!

Welcome to our Moving House mortgage advice page in Sheffield from your local Mortgage Broker in Sheffield. Having been in the mortgage business for over ten years now, we know about everything mortgage-related and we can’t wait to share our knowledge with you.

 

We like to invest our time in ensuring that you receive the best customer service possible. The customer always comes first and we want you to feel comfortable and secure during this process os we make sure that you know what is going on at all times. Feel free to take a look at our excellent customer reviews.

 

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:

Mortgage Lenders 007

Common Moving House Scenarios

  • Maybe you have had an offer accepted and want to get started on a mortgage application?
  • Have you already started looking houses and you want a mortgage agreement principle to back up any offers that you make in the near future?
  • Are you looking to put your house up on the market in the coming months and want a realistic idea of how much you can borrow and how much it will cost you?
  • You have sold your house and are hoping to step into a good position where you can start putting forward offers to estate agents?
  • Has the bank turned you away because of your mortgage? For example, failed credit score they won’t lend enough, don’t fit specific criteria etc.
  • Do you 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, feel free to give our amazing team of Mortgage Advisors in Sheffield a call! If your circumstances are not above, don’t worry, we have most likely dealt with a similar or the same situation before and we would love to try and help you through it!

 

How would a Mortgage Broker in Sheffield benefit me?

There are lots of reasons to go to a Mortgage Broker in Sheffield. However, there are lots more great reasons why you should choose us as your Mortgage Broker in Sheffield:

  1. We’re on your side! We are not linked to the estate agent and have no vested interests with the vendor, our job is to provide you with the best open and honest mortgage advice so that you come out with the best deal.
  2. It’s our job to make you feel relaxed and comfortable right from your initial enquiry through to you getting your keys.
  3. We pride ourselves on our amazing customer service, please read our excellent customer reviews.
  4. We can provide Mortgage Advice in Sheffield either face to face or over the telephone, you choose whatever works with you or your families needs to ensure the process flows exactly as you want it.
  5. 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 this is one, we can arrange an agreement in principle for you within 24 hours. A formal offer takes up to three weeks on average.

Previous

Next

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.

Handy quick links

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.

© 2020 Sheffieldmoneyman

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

Moneyman Logo

Book your Free Consultation

7 Days 8am - 10pm

Moneyman Logo

Moneyman Logo

Moneyman Logo

Ask Your Question