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Mortgage Advice in Middlesbrough

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01642 988 468Book Online Now

Mortgage Advice in Middlesbrough

Book Your Free Consultation
8am - 10pm, 7 Days a Week

01642 988 468Book Online Now
Malcolm and Amy, UK Moneyman Directors

We love helping all our customers, especially the ones who really need mortgage advice in Middlesbrough. It's not just about finding a mortgage, it's about the journey, we will hold your hand through the full process.

To speak with a mortgage advisor in Middlesbrough, book your FREE mortgage appointment online.

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Mortgage Broker in Middlesbrough
Mortgage Advice in Middlesbrough

Welcome to Middlesbroughmoneyman, we are a reliable mortgage broker in Middlesbrough who aims to find you a successful mortgage and the best deal for you. Our hard-working team of mortgage advisors in Middlesbrough are on hand and willing to assist all of our customers seven days a week. We aim to help and advise you on the most suitable mortgage advice in Middlesbrough with your property purchase, remortgage and much more.

Whether you are a first time buyer, home mover, a landlord, or looking to remortgage for a better rate or capital raising, we’d love to hear from you and see how we can help offer in-depth mortgage advice in Middlesbrough.

Why use us as your mortgage broker in Middlesbrough?

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Your mortgage advisor in Middlesbrough will search 1000’s of mortgage products to make sure you receive the best deal for your unique mortgage situation.

Our number one goal is to make sure that you are provided with all the necessities and support straight from the first step so you achieve the best possible outcome in relation to your mortgage.

Please feel free to check our genuine customer reviews from past customers who feel that our service has met or exceeded their expectations by using us as their mortgage broker in Middlesbrough.

We are a close-knit team at our mortgage broker in Middlesbrough providing open and honest mortgage advice in Middlesbrough seven days a week. We understand that it can be quite challenging to find available appointments that fit around a regular working day. We make it so as our mortgage advisor in Middlesbrough will be available outside of regular working day hours, to work around your schedule.

If you’re wanting to speak to a mortgage advisor in Middlesbrough about a new or existing mortgage, we’d love to hear from you. We also extend the offer to all our customers to come and have a chat with us about their situation by joining us for a free, no-obligation mortgage appointment.

How do I transact with a mortgage broker in Middlesbrough?

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Your mortgage advisor in Middlesbrough will be able to offer fast and friendly mortgage advice service letting you choose whenever so our schedule fits best with your work and family life.

We hope you’ll find that a free initial mortgage appointment with an expert mortgage broker in Middlesbrough useful and you’ll come away knowing you’re in safe hands. Not being able to get hold of your mortgage advisor in Middlesbrough will never be a problem for our customers as our in-house mortgage advisors in Middlesbrough are available until late, seven days a week to provide guidance whenever you need it.

Should I use my banks mortgage advisor in Middlesbrough?

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Mortgage advisors who are normally working for establishments such as a Bank are limited to products only from that particular lender, therefore you are not getting the best deals that are available to you elsewhere and potentially, at more risk of overpaying.

Your dedicated mortgage broker in Middlesbrough is able to search 1000’s of products from a variety of mortgage deals, both from high street and specialist mortgage lenders and may even look into exclusive past products which you may not receive when normally approaching a lender directly.

Also, banks in general can be hard in general especially when it comes to finding an available appointment. If you’re actively searching for properties or you’re ready to make an offer this will prove frustrating and can possibly even extend your process which could lead to more disastrous hurdles.

Therefore, it’s advisable to seek advice from a mortgage broker in Middlesbrough who isn’t tied to a bank. Here, you’ll receive a more transparent recommendation and mortgage advice in Middlesbrough tailor-made for your circumstances saving you; time, stress and money down the line.

Have you been turned away from your bank in Middlesbrough?

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As a team are expert mortgage brokers in Middlesbrough, we work with a large panel of mortgage lenders at our disposal, some which are also specialist mortgage products available for more trickier situations. So, you’ll be in safe hands with whatever situation you come to us with.

We have many years’ experience and in-depth knowledge with providing mortgage advice in Middlesbrough to customers in many various kinds of situations.

Often, customers that contact us for mortgage advice in Middlesbrough have been turned away by their bank for reasons such as income mixture, poor credit, type of property, failing affordability and not being able to borrow enough. Usually, approaching a reliable mortgage advisor in Middlesbrough such as ourselves means we can often find a way to which you’ll be better off in the long run – whatever your mortgage situation.

What will my mortgage broker in Middlesbrough do?

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Firstly, we’ll make sure that our mortgage advisors in Middlesbrough are keeping you up to date with all of the process throughout the whole home-buying process and not just with your mortgage. We’ll ensure that your mortgage advisor in Middlesbrough answers all of your questions.

But we don’t just focus the spotlight on mortgage advice in Middlesbrough, each and every one of our mortgage advisors in Middlesbrough are here to provide help to support you throughout your mortgage journey from start to finish. This will mean our mortgage advisor in Middlesbrough will be there for you from the initial contact, anytime you need them. It’s our job as your mortgage broker in Middlesbrough to make you feel relaxed, be honest, find you the most fitting mortgage advice and mortgage deals right up until completion and beyond.

Often, buying a new property isn’t as straightforward as a person would perceive it to be. If you are a first time buyer, or haven’t moved in a while, it can feel like you’re going round in circles making it so you put off starting the mortgage process. Don’t worry, your dedicated mortgage broker in Middlesbrough is here to help you on your way to obtaining your mortgage for your new start in your new home with our trusted mortgage advice in Middlesbrough!

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We Search 1000s of Mortgage Deals in Middlesbrough

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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Pepper Money
Mortgage Works
Coventry Building Society
Natwest Mortgage Advice
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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

Common Mortgage Questions in Middlesbrough

How does my mortgage process work?

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Your mortgage journey begins as soon as you get in touch with our team. We will send you over a fact find to fill out so we can learn a bit more about your personal and financial situation.

The next step of the process is for us to book you in for our free mortgage appointment so we can begin searching for the perfect mortgage product for you. We will also arrange a mortgage agreement in principle for you.

Once you’ve provided documents to support your agreement in principle, we can start preparing your mortgage application!

How does the free mortgage appointment work?

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Your free initial mortgage appointment will roughly last 30-60 minutes. During the appointment, we will examine your current personal and financial situation so that we can get an idea of what sort of mortgage products you’ll match with.

If we manage to find you a deal and you’re happy to continue with it, we can start preparing your mortgage application!

When should I obtain an agreement in principle?

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As a mortgage broker in Middlesbrough, we would always recommend that you try and obtain a mortgage agreement in principle (AIP) as early in the process as possible. Ideally, you should obtain your AIP prior to viewing properties as it can open you up to being able to negotiate prices.

How long does an agreement in principle last?

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Your agreement in principle will last between 30-90 days. If your agreement in principle expires, you can easily renew it. Get in touch with your mortgage advisor in Middlesbrough to arrange this.

Can I get a second mortgage in Middlesbrough?

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Yes, it may be possible to get a second mortgage. Reasons for getting a second mortgage include debt consolidation, home improvements, for a mortgage deposit for another property such as a buy to let property or a holiday home.

How much deposit do I need for a mortgage in Middlesbrough?

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Usually, lenders will require a minimum of 5% of the property price. Even though most High Street Lenders look for 5%, if you’ve had credit issues in the past, you may be asked to put down slightly more.

Can I get a mortgage with previous credit problems?

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It can be still possible to get a mortgage despite having bad credit issues in the past. Although, you should know that some lenders may require you to put down a larger deposit; this could be 10%-15%.

I’m self employed in Middlesbrough, can I get a mortgage?

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If you are self employed and have at least one year’s accounts ready to submit, then yes, you may be able to get a mortgage.

Mostly, lenders will go off your salary plus dividend to calculate the maximum mortgage amount that you can borrow. Some are also known to go off your net profit.

What documents will I need to send?

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During the mortgage process, you will be asked to prove your income, who you are etc. Some of the documents that you’ll be asked to provide include bank statements, payslips, proof of ID and proof of address. This may be slightly different for the self employed.

How long does the process take?

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After your free 30-60 minute mortgage appointment in Middlesbrough, we will be able to go away and try and find you a mortgage product that’s perfect for your personal and financial situation. During this timeframe, we will also arrange a mortgage agreement in principle for you within 24-hours.

If everything goes to plan and we receive your supporting documents, we can proceed to the point of mortgage application preparation. Once your application is submitted, a formal mortgage offer takes around 3 weeks on average.

Mortgage Guides

Middlesbroughmoneyman.com & Middlesbroughmoneyman 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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