Specialist Mortgage Advice in Middlesbrough

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We look at solutions for specialist mortgages in Middlesbrough for complex situations.

Getting a mortgage should be a simple affair, but many times, it is not. mortgage broker in Middlesbrough like us can search 1000s of products to try and find you the best mortgage for your circumstances. Our mortgage advisors in Middlesbrough, providing specialist mortgage advice is what we do best.

We work with a wide range of lenders, some of which offer specialist mortgage products, with varying lending criteria.

Our experienced and knowledgeable mortgage advisors in Middlesbrough will do everything to help. Even in unusual circumstances.

Our goal is a simple one. To offer a 5-star mortgage advice service and find you the best product tailored to your circumstances.

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Specialist Mortgage Advice in Middlesbrough

Our service may benefit you when looking for specialist mortgage advice in Middlesbrough.

Life isn’t always straight-forward – and that includes when it comes to getting a mortgage. Traditional high street lenders have toughened up their lending criteria in recent years, making it much more difficult to get even a straight-forward mortgage from them. That’s where specialist mortgage advisors in Middlesbrough like ourselves come in.

We understand there is a range of financial scenarios people find themselves in and which traditional lenders simply wouldn’t entertain. This could include buying a house together with a friend or sibling. It could also mean being a contract worker or even self-employed.

At our mortgage broker in Middlesbrough, we can provide open and honest mortgage advice in Middlesbrough, tailored to your specific circumstances. That means whatever your situation we will always try to find you a mortgage suitable for your circumstances, our aim is to get it right the first time!

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Common FAQs for Specialist Mortgages in Middlesbrough

What is bad credit for a mortgage in Middlesbrough?

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If you are finding it particularly difficult to manage your finances and it has led to you missing any of your outgoing payments for financial commitments, thus having an impact on your credit score, you will likely be considered as having bad credit in Middlesbrough.

It entirely depends on the types of payments that you have missed and how many of them you have missed, as to the level in which your credit score will be impacted.

Can you still get an interest only mortgage in Middlesbrough?

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Though they are much less popular for residential purposes than they were in the 1980s and 1990s, it it still possible to take out an interest only mortgage in Middlesbrough, especially in circumstances where you perhaps have a lot of equity and would like to downsize in the future.

You are much more likely nowadays, however, to see an interest only mortgage attached to a buy to let in Middlesbrough, as this type of mortgage allows buy to let landlords to maximise their profits with cheaper monthly mortgage repayments.

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

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When you are given a CCJ, you will be granted a small window of opportunity in which you can pay it off and then have it taken off your credit file.

The court will give you a span of 30 days in which you have to pay back the amount that you owe. If you are able to meet this demand, then the court will approach the registry in order to get the CCJ removed from your credit file.

If you are unable to pay back the money that you are deemed as owing, then you will have a permanent record listed on your credit file for a 6-year period.

When should debt consolidation in Middlesbrough be considered?

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Many homeowners will remortgage in Middlesbrough as a means of releasing equity from within their homes. There are many reasons that you could raise capital, from raising funds for home improvements, to gifting a deposit to help a family member get onto the property ladder.

If you are struggling financially and every other avenue has been exhausted, then you might need to look at debt consolidation in Middlesbrough. Though a risky decision and not something to be taken lightly, remortgaging to release equity for the purpose of debt consolidation in Middlesbrough can be a way to combine your monthly outgoings into one more affordable monthly outgoing.

As an trusted & caring mortgage broker in Middlesbrough, we will review your circumstances and help you to determine whether or not debt consolidation in Middlesbrough is the best option for you.

You should think carefully before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

Do you require a specialist mortgage advisor in Middlesbrough?

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Here at Middlesbroughmoneyman, we provide expert mortgage advice in Middlesbrough, we have access to a large panel of specialist deals, each lender has its own unique mortgage lending criteria for customers, and we may be able to find you the most suitable deal.

Our team of mortgage advisors in Middlesbrough can utilise their knowledge and expertise to recommend to our customers the most appropriate mortgage deal for their personal and financial situation.

If you are worried about your credit score, you should look to obtain an up-to-date copy of your credit report. You will receive the benefits from this when it comes to your free initial mortgage appointment, where we can get a better picture of your situation and see if we can help you achieve your mortgage goals.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Discuss the challenges you are faced with currently and what you’re looking to achieve, with a trusted mortgage expert.

During this appointment, your mortgage advisor in Middlesbrough will take information surrounding your income and expenditure, to work out your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Whilst some situations may limit what you have access to, we will search through 1000s of deals to find you the best one you can get.

We will then look to get you an agreement in principle if necessary, to back up any purchase offers you wish to make.

Submit Your Mortgage Application

Step 3

Once you have had your purchase offer accepted, your mortgage advisor in Middlesbrough will submit your full mortgage application and evidential documents.

As your process goes on, your dedicated case manager will keep you up-to-date, all the way through until you receive your formal mortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

Our service goes beyond just this. As well as securing you the best deal, we will also recommend relevant insurances to protect you and your family financially.

We will also be back in touch with you when your mortgage is due for renewal, to make sure that you are still on the best deal.

Reasons to Choose Us

Free Mortgage Appointment

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As your mortgage advisor in Middlesbrough, we are here to help you. Get in touch with us today and make a date for your free mortgage appointment.

1000s of Deals

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We have the time and inclination to search through thousands of mortgage products to find a deal that’s perfect for you. We also have the experience and knowledge to get it right the first time.

Our Service

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We have worked with enough clients to understand how frustrated and fed-up you feel with the high street banks. That’s why we work fast and are open and honest with you throughout the whole process.

7 Days a Week

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Our staff all love the sense of satisfaction they feel when they find the ideal mortgage for you. We have fabulous reviews from delighted previous clients.

Malcolm and Amy Davidson - Mortgage Advice in Middlesbrough

We Search 1000s of Specialist Mortgage Deals in Middlesbrough

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Beverley Building Society
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BM Solutions Mortgages
Chorley Building Society
Coventry Building Society
Darlington Building Society
The Family Building Society
Fleet Mortgages
Foundation Home Loans & Mortgages
Halifax Mortgage Advice
HSBC Mortgage Advisors
Kensington Mortgages
Kent Reliance Property Loans & Mortgages
Keystone Property Finance & Mortgages
Leeds Building Society
The Mortgage Works
The Mortgage Lender
Nationwide Building Society
Natwest Mortgage Advice
Newcastle Building Society
Paragon Mortgages
Pepper Money
Precise Mortgages
Principality Building Society
Santander Mortgages
Scottish Widows Mortgages
Skipton Building Society
Teachers Building Society
Together Mortgages
TSB Mortgages
Vida Homeloans
Pepper Money Mortgages
Virgin Money & Mortgages
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Common Mortgage Questions

Why use a specialist mortgage broker in Middlesbrough?

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Contract workers and self employed mortgages – even though you only work six months of the year, the money you make can be as much as someone on an annual salary. We understand this.

Let to buy mortgage – if you’re having difficulty selling your home another idea could be to rent it out.

Portfolio landlord mortgage – as a mortgage broker In Middlesbrough we have access to a range of mortgages for landlords with four or more properties.

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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