Burger Menu

Specialist Mortgage Advice in Scunthorpe

Get Your Free Consultation 7 Days a Week

01724 786130

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

Often getting a mortgage is not always straight forward 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:

Mortgage Lenders 007

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.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Scunthorpe will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your mortgage broker in Scunthorpe, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Scunthorpe. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Scunthorpe with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

Previous

Next

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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2020 Scunthorpemoneyman

Moneyman Logo

Book your Free Consultation

7 Days 8am - 10pm

Moneyman Logo

Moneyman Logo

Moneyman Logo

Ask Your Question