Specialist Mortgage Advice in Scunthorpe

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Declined by the Bank? We Might be Able to Help!

Often getting a mortgage is not always straightforward and it can involve a complex situation which needs expert mortgage advice, this is our job.

 

As experienced mortgage advisors in Scunthorpe, we work with lots of mortgage lenders that specialise in different areas. We strongly believe that our 5-star mortgage broker services will prove highly beneficial for you if you are in a complicated situation.

 

It is quite likely that if you keep trying lots of lenders yourself without knowing their lending criteria inside out will damage your credit score and could impact on you getting a mortgage altogether.

 

We have in-depth knowledge and experience when it comes to complex situations and lenders criteria. We are aware of all the mortgage schemes and products available and will be happy to discuss your options with you.

 

How does it work?Get a quote nowMeet your advisor

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

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Specialist Mortgage Advice in Scunthorpe

Getting a mortgage is not always straightforward and may involve us thinking “outside the box”. Don’t worry, with a professional mortgage advice team on your side we’ll take away your stress and worry. We’re very experienced with individuals with complex situations and bank decline customers.

 

We work closely with a large number of mortgage lenders, many specialists that have tailor-made mortgage products for special situations.

 

We believe you’ll find having an experienced and knowledgeable Mortgage Advisor in Scunthorpe invaluable. We’ll listen to your individual needs carefully in order to find you the most suitable mortgage deal based on your situation.

In need of a Specialist Mortgage Advisor in Scunthorpe?

On a regular basis, we receive calls from customers who have been let down at the last minute by their Bank or other Mortgage Broker in Scunthorpe.

 

These people are usually weeks into the mortgage application process and then get declined for one reason or another late into the process. We usually find that the problem should have been picked up by the Mortgage Advisor at the outset.

 

Lots of stress and anger can follow at a time like this, with threats on a property chain and completion dates etc.

 

You’re in safe hands with us. We’re very experienced in dealing with complex mortgage situations so we’d love to hear from you.  If you are not 100% sure of your lenders’ criteria before you apply you could be harming your chances of getting a mortgage altogether.

 

Why should I use a Mortgage Broker in Scunthorpe?

  • We’re here for you! With our in-depth lending criteria knowledge, we’re very handy to have on your side.
  • It’s our job is to make you feel relaxed and comfortable right from your enquiry through to you getting your keys or completion.
  • Customer service is really important to us, please read our genuine reviews at Reviews.co.uk.
  • Our Mortgage Advisors will work around any work and family commitments, we want you to receive the best mortgage advice service possible.
  • Unlike your bank, we’re able to search 1000’s of mortgage deals on your behalf to find the right one for you.

Reviews Stars4.81 Rating16 Reviews

Common mortgage
questions

Your free mortgage consultation in Scunthorpe with a dedicated advisor will last for approximately one hour. 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 an hour 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.

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 in Scunthorpe!

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

Scunthorpemoneyman.com & Scunthorpemoneyman 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

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
www.financial-ombudsman.org.uk

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