Fast & Friendly Mortgage Advice in Scunthorpe
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Read our 17 Reviews
We love helping all our customers, especially the ones who really need Mortgage Advice in Scunthorpe - 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, book your FREE mortgage appointment online or give us a call on 01724 786 130.
Enquire OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01724 786 130.
We love helping all our customers, especially the ones who really need Mortgage Advice in Scunthorpe - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.
Enquire Online4.82 Rating17 Reviews
Donna
FANTASTIC AND OUTSTANDING SERVICE!! Unfortunately the purchase of our new home was rather difficult, we had devaluations and chains falling through, so to say the least it was testing!! we had a very stressful, hard 7 months to get to the...
6 months ago
Stuart
Dealt with my mortgage arrangement and application in super quick time. Very efficient and would recommend to everyone.
1 year ago
Rebecca
Leo and Lyndsey were fantastic! No issues at all, and all very quick and efficient. Thankyou so much
1 year ago
Anonymous
She was so helpful. I felt hopeless after just having my mortgage declined by a high Street bank and she's given me some hope again.
2 years ago
Akvile
Amazing and really friendly service. Really glad I choosed this company for my remortgage. I would definitely recommend this company to everyone
2 years ago
Jonathan
I would highly recommend Scunthorpemoneyman to anybody needing the service. They have been very quick to respond to any questions and I have had to do next to nothing through the hole process they have handled everything brilliantly.
3 years ago
Samanatha
Fantastic advice and guidance throughout the full process. Malcolm and his team were extremely knowledgeable, efficient and responsive during our mortgage application. When we came across obstacles, these were dealt with quickly and advice given on...
3 years ago
Amelia
Absolutely fantastic service from all at Scunthorpe money man. The staff are so friendly and helpful, nothing is too much trouble, any questions answered. Kept up to date all the way through, I would recommend to anyone. Many thanks for all...
4 years ago
Samantha
Outstanding service from start to finish with every member of the team helpful and friendly. I could rely on them for advice and updates at all stages.
4 years ago
Thomas
Wow..... what a fantastic team they are Matt,Mel and Wendy did a fantastic job for me been messed around by other brokers in the past but from the very first phone conversation I knew they had my best interests. Fantastic communication always kept...
4 years ago
Anonymous
Thanks so much to the team. You made everything so easy and clear. I would highly recommend your services.
4 years ago
Richard
Great communication from start to finish and even after finding a mortgage deal for us Jason kept looking and found a even better one at .5% less
5 years ago
Jayne
A fabulous company to deal with who put my mind at ease and everything that they required in the manner of documentation was never a problem, Matt, Leanne and Wendy kept in constant contact with me and gave me a 5 star service, in actual fact it was...
5 years ago
Kenneth
I can’t thank Matt and Mizna enough for all there help and hard work! Nearly time to sign for our house and it wouldn’t have been possible without the help of Scunthorpe Money Man! Thank you all!!
5 years ago
Sophie
Absolutely fantastic staff! I stumbled across Scunthorpe Money Man on google, with just one call the ball was rolling...fast, efficient, friendly and supportive. People say mortgage applications are stressful and boy they are not wrong but with the...
5 years ago
Chris
Very happy with the service provided, Excellent service from start to finish. I would definitely recommend Scunthorpe Moneyman and would use them again in the future. 5* Experience.
6 years ago
- Mortgage Advice
- Why Us?
Speak to a mortgage broker in Scunthorpe for expert mortgage advice in Scunthorpe.
Welcome to Scunthorpemoneyman.com! We’re happy to be your go-to mortgage broker in Scunthorpe and surrounding areas. Since our establishment in 2009, our dedication to meeting the distinct needs of our customers has remained unwavering, delivered with a touch of care and professionalism.
Harnessing our extensive knowledge and experience in the property market, we take pride in going above and beyond to ensure our customers receive optimal solutions tailored to their specific requirements.
With a profound understanding of the mortgage market, we navigate through a wide variety of mortgage deals, identifying the one that seamlessly aligns with your needs. Our commitment to providing the best possible options is a testament to our expertise.
Feel free to secure your spot for a complimentary mortgage appointment today. It’s an opportunity to engage in a conversation with a skilled mortgage advisor in Scunthorpe and embark on a journey of exploring the myriad possibilities available to you.
Benefit From Open and Honest Mortgage Advice in Scunthorpe
We pride ourselves on being the beacon of openness and honesty as mortgage advisors in Scunthorpe. Our mission is clear – to help customers with their mortgage inquiries and provide unwavering support.
Our team of trusted mortgage advisors at Scunthorpemoneyman is here to guide you through your mortgage journey, infusing simplicity and confidence into every step.
Whether you’re a first time buyer in Scunthorpe or a seasoned homeowner exploring options like moving or remortgaging in Scunthorpe, rest assured, we are dedicated to helping you achieve your mortgage goals.
Find Out How a Mortgage Broker in Scunthorpe Can Help You
At Scunthorpemoneyman, our dedicated squad of mortgage advisors in Scunthorpe meticulously sifts through a plethora of mortgage deals to unearth the one that aligns seamlessly with your aspirations.
Our mission, as a team of mortgage professionals, is twofold – to save your time and offer peace of mind by simplifying the intricate mortgage landscape.
With our highly proficient mortgage administrators and seasoned advisors, consider yourself in capable hands. It’s rare for us to encounter a situation we haven’t navigated before, ensuring we’re well-prepared to guide you through various scenarios with sound advice.
Finding Solutions for Both First Time Buyers in Scunthorpe and Existing Homeowner Remortgages
Whether you’re a first time buyer in Scunthorpe or returning to the property market, our service is custom-tailored to be your invaluable resource. We understand the daunting nature of purchasing a new home, and we stand ready to provide unwavering support throughout your entire journey.
No matter the challenges we encounter, we’re committed to working together to overcome them. For existing homeowners in Scunthorpe exploring remortgage options, our expertise shines as we meticulously evaluate thousands of deals, pinpointing the one that best suits your needs.
In the realm of remortgage processes, our clients often contemplate capital-raising solutions for home improvements or consolidating debts. Rest assured, this is a specialised area where we’re committed to offering transparent and honest advice, always with your best interests at the forefront.
Expertly Answering Your Mortgage Questions
Your trusted mortgage advisor in Scunthorpe is your reliable guide through all things mortgage-related, ensuring access to our expertise 7 days a week. Our dedicated team is just a call or email away, ready to provide support and answer any questions you may have about your mortgage.
Mortgage Advice in Scunthorpe for Complex Cases
With over a decade of experience as a mortgage broker in Scunthorpe, we’ve encountered and successfully navigated nearly every conceivable mortgage situation. No challenge is too formidable.
Don’t hesitate to reach out, even if you believe your situation is exceptionally complex – chances are, we’ve faced similar hurdles and know precisely how to help you.
Whether you’re self-employed, a business owner, a partner, a contractor, or on probation with a new employer, and you’re facing difficulties securing a new mortgage, an experienced mortgage advisor in Scunthorpe can be a significant help.
The same applies if you have a history of credit problems, bankruptcy, a CCJ, or a less-than-ideal credit score. We possess in-depth knowledge of lending criteria and extensive experience in providing expert mortgage advice tailored to diverse individual situations.
Bank versus a Mortgage Broker in Scunthorpe
Frequently, clients initially turn to their own bank for mortgage advice in Scunthorpe. However, many find themselves turned away for various reasons.
Whether it’s not meeting the bank’s criteria, encountering stringent affordability checks, difficulties in securing appointments, or simply being unable to borrow the required amount – it’s time to reach out to a mortgage broker in Scunthorpe, our team, eager to help you.
The sooner you seek advice from a mortgage broker in Scunthorpe, the more advantageous your position will be when you’re ready to secure a mortgage deal.
Searching Through 1000s of Mortgage Deals
In our role as your mortgage broker in Scunthorpe, we meticulously explore a vast array of residential and buy to let mortgage options on your behalf.
Our panel comprises a diverse range of mortgage lenders, covering both high street and specialist products. It’s advisable to speak with a mortgage broker like us even before you start viewing properties with estate agents.
This proactive approach enables us to provide you with a clear understanding of your budget and prepare a mortgage agreement in principle document, bolstering any offers you decide to make.
Get in touch with Scunthorpemoneyman for transparent and honest mortgage advice in Scunthorpe, available 7 days a week.
Common Mortgage Questions in Scunthorpe
How long does the process in Scunthorpe take?
Our first mortgage chat, absolutely free, usually takes around 30 minutes. As experienced mortgage brokers in Scunthorpe, we’re proud of our quick 24-hour turnaround for providing an Agreement in Principle.
All it involves is a short phone call to gather the necessary info, and on average, you can expect the formal mortgage offer in about three to four weeks.
What documents will I need to provide for my mortgage in Scunthorpe?
If you’re on the payroll, the basics include sharing three recent payslips and your latest P60 to show your income. For self employed Scunthorpe residents, we’d typically need the latest two years’ tax calculations and summaries.
You’ll also need to show proof of who you are with a driving license or passport, confirm your address with utility bills or tax documents, and throw in a three-month bank statement.
This statement does double duty, showing us your deposit savings and explaining any noteworthy credits.
I’m self employed in Scunthorpe, can I get a mortgage?
Good news for the self-employed crowd in Scunthorpe – getting a mortgage is very doable. To meet the criteria, you’d usually need to provide at least one year’s worth of accounts.
Furnishing these docs significantly boosts your chances of getting mortgage approval.
Most lenders typically calculate the maximum mortgage amount based on your salary and dividends, but it can vary depending on the lender.
Can I get a mortgage in Scunthorpe with previous credit problems?
Here’s some encouraging news – even if you’ve had credit issues before, getting a mortgage is still on the table. You can make it happen! In these cases, some lenders might ask for a slightly higher deposit, usually around 10-15%.
How much deposit do I need for a mortgage in Scunthorpe?
Typically, most regular mortgage lenders ask for a minimum deposit of 5%. But this percentage might be a bit higher based on your situation, especially if you’ve had some bumps in your credit history.
Can I get a second mortgage in Scunthorpe?
Good news – managing two mortgages in Scunthorpe is entirely possible if you’ve got the financial capacity to handle both sets of monthly repayments. Whether you’re consolidating debt or planning home improvements, getting a second mortgage on your property is an option.
How long does an Agreement in Principle last?
An Agreement in Principle usually lasts 30 to 90 days, depending on the lender. If yours expires, no worries – you can easily renew it by reaching out to your trusted mortgage advisor in Scunthorpe.
When should I obtain an agreement in principle in Scunthorpe?
As dedicated mortgage brokers in Scunthorpe, we strongly recommend getting an Agreement in Principle (AIP) as early as possible, ideally before you start viewing houses. Having an AIP in place when you’re house hunting can potentially give you an advantage when negotiating prices.
How does the mortgage process work?
Our mortgage process has a few stages. It starts with an initial chat, where one of our dependable mortgage advisors in Scunthorpe conducts a Fact Find to understand your unique mortgage situation.
Next, you’ll move on to your free mortgage appointment, where your assigned mortgage advisor in Scunthorpe starts looking for mortgage deals tailored to your situation.
If they find an offer you like, we can kick off the mortgage application process. Following that, a credit check is done to secure an Agreement in Principle, and you’ll be asked for specific documents to strengthen your mortgage application.
Finally, your mortgage application is submitted, and we wait for the formal mortgage offer.
How does the free initial mortgage appointment in Scunthorpe work?
Your first free mortgage appointment with your dedicated mortgage advisor in Scunthorpe usually lasts about 30 minutes.
During this meeting, we dive into your mortgage needs, getting a better understanding of your situation.
With a clearer picture of your personal and financial situation, we start looking for mortgage deals that are a good fit for you.
Mortgage advice in Scunthopre – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
Common mortgage questions
Your free mortgage consultation in Scunthorpe with a dedicated advisor will last for approximately 30 mins. From that point, we will then recommend a mortgage for you, with no obligation to accept and proceed if you change your mind at any point.
We will carry out a Fact Find to establish your individual circumstances and needs prior to recommending the most suitable mortgage. A credit check is something that will be required for an Agreement in Principle. Once you have given all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can then be issued to you.
To avoid facing disappointment at a later stage, we recommend you obtain an Agreement in Principle before you begin any property viewings in Scunthorpe. At the very latest you should obtain one before you start making offers, as that will assist your bargaining position.
An Agreement in Principle will generally last for anywhere between 30 and 90 days depending on the mortgage lender. If your Agreement in Principle expires, your mortgage advisor in Scunthorpe can refresh this for you.
It may be possible to get a second mortgage on your home if you’re looking to work towards debt consolidation or any home improvements, as well as if you’re wanting to use it for yourself, a family member, a holiday home or a potential Buy to Let.
The minimum deposit when for a property purchase in Scunthorpe with High Street Lenders is 5%, though it can be higher if you have had prior credit problems.
If you have a recent history of credit problems, it’s not impossible for you to get a mortgage, though you may possibly be required to put down a slightly higher deposit than typically expected, perhaps 15% of the property purchase price.
The documents you will need if you are an employee are three payslips to prove income and for self employed, you will need the latest 2 years’. As well as this, you will also need proof of ID, address and 3 months’ bank statements.
A free consultation usually lasts up to 30 mins or so. An agreement in principle can be ready for you within 24 hours. It takes on average three weeks for a formal mortgage offer.
You will be eligible for a mortgage but only once you have submitted at least one year’s accounts. Many Lenders calculate the maximum mortgage by taking your salary plus dividend, however, others are known to go off your net profit.
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