Mortgage Types

LOCAL Mortgage Broker in Scunthorpe & Surrounding Areas –
Mortgage Advice by Scunthorpemoneyman.com

FREE Mortgage Consultation for ALL Customers
– Your LOCAL Mortgage Broker

Here are a list of the Mortgage Services we can help you with:

  • First Time Buyer Mortgage Advice (help & support through every step)
  • Can You Get a Mortgage? (want to know if you qualify for a mortgage?)
  • How Much Will My Mortgage Payments be? (wanting an indicative cost)
  • Moving House Mortgage Advice (moving soon or got a house for sale?)
  • Having Problems Getting a Mortgage (credit score/affordability/income structure or anything else)
  • Remortgage Options & Deals
  • Help to Buy Mortgage Advice Schemes
  • Capital Raising (remortgage v’s second charge mortgages compared)
  • Let to Buy Mortgages (let your current home and buy a new one)
  • Self Employed Mortgage Advice (company directors, partners, sole traders, contractors)
  • Buy to Let Mortgage & Remortgage Options
  • Help to Buy Mortgage Advice (all schemes – new build, forces etc)
  • Right to Buy Mortgages (buying your council house)
  • Complex Mortgage Situations (having difficulty with a mortgage due to criteria/affordability)
  • Poor / Bad Credit Mortgage Advice (had credit problems in the past)
  • Equity Release Advice (your options explained)
  • Commercial Mortgage Advice (purchase or remortgage)

FIRST TIME BUYER MORTGAGE ADVICE

Lets face it, buying your first home can be a bit scary! How do you make an offer? What survey should I choose? How do I instruct solicitors? Just some of the questions our first time buyers ask, we are able to help with all of these and much more, we don’t just source your mortgage! Having a professional by your side will be reassuring, we are here and ready to help you through every step of the way. We are able to recommend all mortgage types including fixed rate, variable and trackers in order to find you the most suitable mortgage for your individual needs.

In some cases unexpected problems can arise after your offer has been accepted, which can be very stressful and this is where our experience and knowledge comes in to its own and we are usually able to resolve the issue and make the process as stress free as possible.

MOVING HOUSE MORTGAGE ADVICE

Moving home is said to be one of the most stressful experiences you will go through in life. It can be extremely stressful if you are in a chain and wanting the property you are selling to complete at the same time as your new house.

Whether you are moving into a bigger property or downsizing, as your local mortgage broker in scunthorpe our job is to make this whole process as stress free as possible. It is advisable that before you make an offer on a property you see a mortgage broker to get an idea of how much you can borrow.

HAVING PROBLEMS GETTING A MORTGAGE?

Often customers who contact us have tried to get a mortgage with their high street banks but have been unsuccessful. This can be down to numerous reasons, failing credit score, not meeting criteria or simply will not offer the mortgage amount required.

This is where our experience and knowledge of lending criteria to a number of different lenders can help you. Be careful not to go from lender to lender without 100% knowing their criteria as having too many credit searches can impact on you getting a mortgage all together! If this does happen then please get in touch and we have access to a number of specialist lenders.

REMORTGAGE ADVICE

There are many reasons why people remortgage, the two most common being to raise equity from their home or to secure a more competitive deal. Whether you are looking to add or remove a name from your mortgage, raise additional money for home improvements, fix your rate or anything else we are usually able to help.

With interest rates being very low there are some very attractive deals out there at the moment and we are able to search 1000s of remortgage deals from numerous lenders in order to recommend the most suitable mortgage deal for you.

LET TO BUY MORTGAGE ADVICE – 

Let to Buy mortgage advice is very specialist lending, we often get clients who have seen a house they want to purchase but are struggling to sell their own homem, or in some cases they want to buy a new house with their partner but just in case anything changes in the future would like to keep their current home.

How does let to buy work? We will remortgage your exisitng home on to a buy to let mortgage and if needed take the equity and use it for a deposit on your new home. As mentioned, it is very specialist lending so having a mortgage broker like us on board will prove invaluable.

BUY TO LET MORTGAGE ADVICE

We are very experienced in Buy To Let mortgages and work with existing and new local landlords advising on their buy to let mortgage needs. We have many returning landlords and it is our job to keep up to date with the new buy to let criteria and market changes. Buy to let seems to be a hot topic in the press at the moment with the government introducing new taxation on landlords.

We will listen to your individual needs and recommend you with the most suitable buy to let mortgage deal for your situation. We will help you through every step of the way whether you are looking to purchase or remortgage and you can rest assured that you are in experienced hands. The buy to let mortgage industry has changed over the years so if you haven’t purchased an investment property for a while then it will be worthwhile having  a professional by your side every step of the way.

LOCAL Mortgage Broker – Buy to Let Mortgage Advice in Scunthorpe 

SELF EMPLOYED MORTGAGE ADVICE

We feel that self employed applicants get the short straw when it comes to mortgages and without an experienced knowledgeable mortgage broker on your side could prove tricky.

By using a specialist self employed mortgage broker like us it may be possible to secure a mortgage deal with a minimum of 1  years accounts! Self employed mortgages is our specialist suject so whether you are a sole trader, company director, partner, or contractor and wanting to gain an idea on the amount you can borrow then please get in touch.

The criterial differs from lender to lender for self employed applicants, incorporating dividens, salary and company profits and it is our job as a mortgage broker in scunthorpe to keep up to date with all the lates criteria and know which lender is most suitable for you.

SPECIALIST MORTGAGES

Often, getting a mortgage is not always straight forward and can involve thinking outside the box – This is our job!

We are aware of all mortgage products and schemes that are available and will recommend the most suitable mortgage product for your individual needs.

Specialist Mortgage Advice in Scunthorpe & Surrounding Areas

  • Right to Buy Mortgage Advice
  • Help to Buy Mortgage Advice
  • Commercial Mortgages
  • Equity Release Advice
  • Bridging Loans
  • Divorce and Mortgage Advice
  • Getting 2 mortgages 
  • Capital Raising
  • Having Mortgage Problems … ??

If your situation is more COMPLICATED and you would like to discuss your mortgage options then please contact us for a FREE MORTGAGE CONSULTATION.

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Malcolm Davidson & The Team at Scunthorpemoneyman.com
Mortgage Broker in Scunthorpe
( Call / E-Mail / Text )
Your LOCAL Mortgage Advisor in Scunthorpe
EXPERT Mortgage Advice

 

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