Moving Home Mortgage Advice in Middlesbrough

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We Take the Stress Away From Moving Home in Middlesbrough

If you are a homeowner who is looking to obtain moving home mortgage advice in Middlesbrough, then we are here to help. As a company we have been providing customers with mortgage advice in Middlesbrough for well over two decades now and have helped thousands of home movers like yourself to take the necessary steps towards moving into their new home.


We know that the process of moving home in Middlesbrough can be a stressful one, and that’s why we are here to support you all throughout. The team here at Middlesbroughmoneyman always aim to make sure that our fast and friendly mortgage advice in Middlesbrough is responsive, fast & friendly.


Our brilliant team of mortgage advisors in Middlesbrough work hard to make sure our customers receive the best service available to them, looking for the absolute best mortgage deal across thousands of products, for you as a home buyer.


Feel free to take a read of our excellent customer reviews, to learn more about how our customers felt using the expert services of a mortgage broker in Middlesbrough.


If you are considering moving home in Middlesbrough, you should book online to speak with a fantastic mortgage advisor in Middlesbrough. We are here to help 7 days a week, so book your free mortgage appointment and talk to an expert mortgage advisor in Middlesbrough.


How does it work?Get a QuoteMeet Your Advisor

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

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Moving Home Mortgage Advice in Middlesbrough

Whether you are going to be moving to Middlesbrough for the first time or are a local looking to move within the Middlesbrough area, our team of trusted mortgage advisors in Middlesbrough have helped a vast amount of customers to achieve mortgage success.


Below are some of the frequently encountered home moving scenarios that we have worked on when helping customers who are moving home in Middlesbrough.

How much can I borrow & what are the costs of buying a home in Middlesbrough?

We find that a great deal of our customers will contact us early on into their home buying process for mortgage advice in Middlesbrough.


Generally speaking, these customers would just like to find out the maximum amount that a mortgage lender would allow them to borrow, what the interest rates would be at and how high their monthly mortgage payments could be.

Need an agreement in principle to make an offer?

Once you have finished your free mortgage appointment with a dedicated mortgage advisor in Middlesbrough, your advisor will take a look through 1000s of mortgage products in order to find the most suitable deal for your mortgage circumstances.


If you are content to go ahead with the recommendation that we make, we can then look to obtain your mortgage agreement in principle (AIP), something we can typically do within 24 hours of your initial mortgage appointment.


Once your mortgage is agreed in principle, you are prepared to back up any property purchase offers that you would like to make on a home you are looking to buy.

Your Offer On a New Home in Middlesbrough Has Been Accepted

If you are at a point where you have already had an offer accepted on a new home in Middlesbrough, it is the job of your dedicated and trusted mortgage advisor in Middlesbrough to make a start on your mortgage application, taking you one step closer to mortgage success.


We are also able to help with the types of property surveys and recommend a suitable conveyancing solicitor to you.

Having Trouble with The Bank in Middlesbrough

You’ll find that there are lots of different reasons as to why you may be declined by a bank or building society, from not matching up with their strict lending criteria, to not being able to borrow the full amount.


No matter the reason why your application is declined by the bank, you will benefit from speaking to a mortgage broker in Middlesbrough like us, who can look at a variety of mortgage routes with you and see what is the best path for you to take.


We have a sizeable panel of mortgage lenders, with many offering specialist products that are tailored towards customers who perhaps have poor credit. Your eligibility for these will always be down to your individual circumstances.


Our team of open & honest mortgage advisors in Middlesbrough have a great knowledge of mortgage lender criteria. If your situation is mentioned above, it is still worth getting in touch. We have come across lots of mortgage scenarios before and will use our experience to help you throughout your process.

Looking to Move Home in Middlesbrough? Let Us Help!

As a customer who is considering all of your mortgage options, you will find that our reliable team of experienced mortgage advisors in Middlesbrough will be able to help you explore your mortgage options. We will work alongside you from the first time you contact us, all the way through until you have the keys to your new home.


Our Middlesbroughmoneyman team have a vast amount of mortgage experience in helping homeowners take their next valuable step up the property ladder. It’s likely we won’t come across a situation we haven’t at least dealt with similarly in the past.


During your free initial home movers review, we will reflect upon your property goals and make sure that you can proceed as planned. Our team will analyse all of your monthly payments and the maximum that you could borrow from a mortgage lender.


Once we have gathered some details from you and we know what is is that you are looking to achieve, your designated mortgage advisor in Middlesbrough will go back and take a look through 1000s of different mortgage deals, in order to find the best one for what you are looking to achieve.


If you are content to go ahead with the recommendation that your mortgage advisor makes, we will then help you to get your mortgage agreement in principle, which comes in handy for any offers you make on properties in Middlesbrough.


To us here at Middlesbroughmoneyman, it’s about more than just finding you the best mortgage deal, it’s beyond that. We want you to have a great customer experience, which is why we go even further, helping you decide on property surveys and to obtain solicitors quotes.


Your mortgage advisor in Middlesbrough will also be able to recommend any appropriate insurances for you, as these will be essential to protecting you against unforeseen future changes.

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Common mortgage

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 consultation 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!

Your free initial mortgage consultation will roughly last 30-60 minutes. During the consultation, 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!

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.

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.

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.

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.

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%.

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.

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.

After your free 30-60 minute mortgage consultation 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 timframe, we will also arrange a mortgage agreement in principle for you within 24-hours.

If everything goes to plan and we recive yoru 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.

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 & 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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