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Specialist Mortgage Advice in Sheffield

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Declined by the Bank? We Might be Able to Help!

Often, getting a mortgage is not always easy and can involve thinking “outside the box” a little. As an experienced Mortgage Broker in Sheffield, we know how to get by almost every complicated mortgage situation!

 

Speak to a Specialist Mortgage Advisor in Sheffield

We work with a large number of mortgage companies that have lots of deals that cater to various mortgage situations.

 

Having a Specialist Mortgage Advisor in Sheffield on your side when you are looking to do something slightly unusual will most certainly prove to be highly beneficial to you.

 

It’s our job to work for you and to find you the most suitable mortgage deal for your individual situation.

 

Complex Mortgage Situation in Sheffield?

 

We usually receive calls from customers who have been turned away at the last minute from a high street bank.  Often, these customers can be weeks into the mortgage application process and then get turned away for one reason or another. Usually, the issue should have been picked up by the bank’s mortgage advisor at the outset.

 

Our customers can often lose money and/or their property as a result of the mistake, which causes stress and frustration. Without being 100% sure of lending criteria before your application you could be jeopardising your chances of getting a mortgage altogether. It’s not always easy!

 

Rest assured, we are very experienced dealing with clients in complex situations so we’d love to hear from you. Why not give Sheffieldmoneyman, your Specialist Mortgage Broker in Sheffield a try?

 

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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Specialist Mortgage Advice in Sheffield

When a customer is seeking the best Specialist Mortgage Advice in Sheffield, we often get approached by many who are after our guidance and advice on various topics seeking guidance. Whatever your situation, we’ll try our best to find the most fitting solution for your circumstances.

 

Frequent topics we’ve encountered include:

  • Marital status i.e. married buying in sole name, divorce, separation.
  • Credit score troubles?
  • Income mix, i.e. salary, dividend, benefits, drawings, net profit etc.
  • Buying directly from your landlord.
  • Buying from or with a family member.

 

The above list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, in which case please get in touch as we’d still love to help you through the mortgage process.

 

Contact us to book your free specialist mortgage consultation

Why choose Sheffieldmoneyman as your Mortgage Broker in Sheffield?

  • We’re on your side! We are not linked to the estate agent and have no vested interests with the vendor.  Also, we’ll be open and honest with you.
  • It’s our job to make you feel relaxed and comfortable right from your initial enquiry through to you getting your keys.
  • We pride ourselves on our customer service, please read our genuine reviews on Reviews.co.uk
  • We can provide mortgage advice either through a video call or over the telephone, you choose! We’ll work around your work and family commitments.
  • Unlike your bank, we are able to search 1000’s of mortgage deals on your behalf to recommend the most suitable one.

 

As your Mortgage Advisor in Sheffield, we are here to help you. Get in touch with us today and make a date for your free 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 in Sheffield!

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.

© 2021 Sheffieldmoneyman

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

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