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Specialist Mortgage Advice in Sheffield

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7 days a week, 8am - 10pm

0114 407 0086 Speak to an Advisor - It's Free!
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Specialist Mortgage Advice in Sheffield

Specialist mortgage advice in Sheffield tailored for your financial situation.

Speak to a Specialist - It's Free!

Solutions for complicated mortgage situations in Sheffield

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!

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.

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Specialist Mortgage Advice in Sheffield

Looking for specialist mortgage advice in Sheffield?

We usually receive calls from customers in Sheffield 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 our mortgage advisor in Sheffield a try?

Do you require a specialist mortgage advisor in Sheffield?

While it’s not strictly required to use a specialist mortgage advisor in Sheffield, it is highly recommended, especially if you have unique financial circumstances such as bad credit or if you’re self employed. Specialist mortgage advice in Sheffield can help you find a suitable mortgage options for individuals who may not qualify for standard mortgages from high-street lenders.

You can book your free mortgage appointment with a specialist mortgage advisor in Sheffield online. Simply select a date and time or give us a call to arrange a call back!

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FAQs for Specialist Mortgage Situations in Sheffield

What is bad credit for a mortgage in Sheffield?

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Bad credit for a mortgage in Sheffield, typically refers to a situation where a potential borrower has a history of financial issues that could make it challenging to secure a standard mortgage from high-street lenders.

While having bad credit can make it more challenging to secure a mortgage, there are specialist lenders who may be willing to work with individuals with adverse credit histories.

Can I remove a CCJ from my credit file in Sheffield?

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You can’t directly remove a CCJ from your credit file unless it was issued in error or if you’ve paid it off in full within 30 days of receiving the judgment. Otherwise, a CCJ remains on your credit file for six years from the date of issue, even if you subsequently pay it off.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

During your free mortgage appointment with a mortgage advisor in Sheffield, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Sheffield will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

Reasons to Choose us

Free Mortgage Appointment

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We hope in giving you this service that you end up with a smile on your face, going into your new home with a fantastic mortgage deal that matches your personal and financial situation.

As a company with a reputation for providing expert, fast & friendly mortgage advice in Sheffield, we will remain by your side through every step of your mortgage process. Get in touch with us and get yourself booked in for your free initial mortgage appointment with an experienced and amiable mortgage advisor in Sheffield today.

1000s of Deals

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During your mortgage process you are our responsibility and we will always have your best interests at heart.

Our dedicated and hard working mortgage advice team in Sheffield will always aim to give you the best service we can, ensuring you remain informed all throughout, that you’re given a responsive service and that the service is tailored to your needs.

Our Service

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Here at Sheffieldmoneyman we have a wide variety of specialist mortgage lenders on panel, each who have their own unique mortgage lending criteria for customers to be matched up against.

Our trusted team of mortgage advisors in Sheffield are able to use their extensive knowledge and experience that we have gathered over our two decades of service as a mortgage broker, in order to recommend to our customers the most appropriate mortgage deal for their personal and financial situation.

7 Days a Week

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If you are worried about your credit score, then you should absolutely look to obtain an up-to-date copy of your credit report. You’ll reap the benefits from this when it comes to your free initial mortgage appointment, as having this will give us a better idea of what you are like, what you would like to do and the sort of deals that might be appropriate for the circumstances.

Malcolm and Amy Davidson - Mortgage Advice in Sheffield

We Search 1000s of Specialist Mortgage Deals in Sheffield

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Paragon Mortgages
TSB Mortgages
Halifax
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Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Specialist Mortgage Scenarios in Sheffield

An In-Depth Look at Specialist Mortgage Scenarios

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When a mortgage applicant is going through a particularly tough time with their mortgage and is finding it difficult to get accepted by a lender, we will always be ready and willing to help them with arms wide open.

As a trusted and experienced mortgage broker in Sheffield, we have had spoken with a large variety of different customers over the years, all with varying mortgage scenarios. Here is a more in-depth look at some of these mortgage scenarios:

Property Down Valuation

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If you’ve had a property survey carried out on the property and you then find out that the offer you put forward and had accepted is actually above the market value of the property, this is a Property Down Valuation.

Though not completely impossible, it’s incredibly likely that your lender will pull out of the deal. This can change if you are able to make up the difference between your offer and the properties true value.

Divorce & Separation Mortgage Advice

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If you happen to be going through a divorce or separation, it can be difficult enough to sort out what happens next. This is even more the case if you are tied into a mortgage together. It is crucial to sort this out sooner rather than later, as it can be very complicated if you leave it too long.

Remove a Person From a Mortgage

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Further from the latter mortgage scenario, if you are going through a divorce or separation, you may wish to remove your own name or your ex-partner’s name from your mortgage. You will be limited with your options depending on both of your levels of financial stability, as well as your affordability based now on only one lot of income.

Single Name Mortgages for Married Applicants

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If you’re married and looking to obtain a mortgage on you and your partner’s home, a mortgage lender would definitely prefer for both applicants to be named on the mortgage, though if you would rather take out the mortgage in only one name, you may still be able to do this.

Shared Ownership

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The Shared Ownership Scheme is a great tool that allows mortgage applicants to take out a mortgage on only a percentage of the property, as a share. This is typically between 25%-75%. Whoever owns the remaining share, likely a local authority, you will pay them back in rent alongside your own payment.

Professional Mortgages

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Professional mortgages are only accessible to very specific professions. This is a niche section of the mortgage market and as such we would highly recommend getting in touch with a specialist like ourselves for more information on this.

Second Home Mortgages

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If you are planning to take out a mortgage on a additional property, you will need to provide evidence that you are financially stable enough to cover the costs of two mortgage payments. We are able to help you prepare for this.

Holiday Home / Let Mortgages

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Holiday lets work very similar to buy to let properties, however, you won’t have a tenant in there all the time, potentially even having an empty home altogether during off-seasons. As such, lenders need to have complete confidence that you’ll be able to afford your mortgage payments at all times, whether the property is occupied or not.

New Build Mortgages

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New builds can often be more expensive to invest in than properties from previous generations. If you’re struggling to save up for your initial deposit, you might find solace in using the government’s Help to Buy Equity Loan Scheme as a means of getting onto the property ladder.

Non-Standard Construction Property Mortgages

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A ‘non-standard’ property is a property that is not built from standard building materials like bricks or mortar. In order to take out a mortgage on something like this, you will need a very specialist mortgage product. We also highly suggest that you get a full structural property survey if you’re looking to buy a property that falls into this category.

Multiple Applicant/House of Multiple Occupation Mortgages

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HMO mortgages are essentially buy to lets with 4-6 tenants, such as the sort that you would see used for student housing. HMOs are often very difficult to work with. We would recommend that you obtain specialist buy to let mortgage advice in Sheffield if you’re looking at stepping into the world of HMOs.

Mortgages Past Retirement Date/Lifetime Mortgages

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You may have the option to release the equity that you’ve built up in your home and convert that into cash by way of taking out a lifetime mortgage. We would recommend that you get in touch for specialist help if this sounds like something you would like to do with your home.

Offset Mortgages

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Offset mortgages links up a savings account to your mortgage. Taking one out could possibly be a good way of helping you access competitive interest rates and mortgage products.

Mortgage Guides

Sheffieldmoneyman.com & Sheffieldmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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