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Nottinghammoneyman Single M Home Page

Mortgage Broker
in Nottingham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0115 860 2193Speak to an Advisor - It's Free!

Mortgage Broker
in Nottingham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Enquire Online 0115 860 2193 Malcolm Davidson Managing Director of Nottinghammoneyman - Mortgage Broker in Nottingham
Malcolm and Amy - UK Moneyman Directors

We love helping customers that really need mortgage advice in Nottingham - Something our Managing Director, Malcolm Davidson has been doing since 1997.

To speak with a mortgage advisor in Nottingham, book your FREE mortgage appointment online.

We love helping customers that really need mortgage advice in Nottingham - Something our Managing Director, Malcolm Davidson has been doing since 1997.

Malcolm and Amy - UK Moneyman Directors

About Us

Our Customers Love Us

Reviews Stars4.95 Rating306 Reviews

Mortgage Broker in Nottingham
Mortgage Advice in Nottingham

Welcome to Nottinghammoneyman.com! We take pride in being your trusted mortgage broker in Nottingham, a name well-recognised by many in the city and its surrounding areas. Since our establishment in 2009, we’ve been dedicated to meeting the unique needs of our customers and handling their situations with utmost care.

Utilising our extensive knowledge and experience in the property market, we go the extra mile to ensure our customers receive the best possible solutions available. Our in-depth understanding of the mortgage market allows us to search through thousands of mortgage deals and identify the one that perfectly aligns with your requirements.

Don’t hesitate to book your free mortgage appointment today and have a conversation with a skilled mortgage advisor in Nottingham. Let’s explore the possibilities together.

Benefit From Open and Honest Mortgage Advice in Nottingham

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We take immense pride in being open and honest mortgage advisors in Nottingham. Our unwavering dedication is focused on helping customers with their mortgage inquiries and providing them with the support they need.

Our commitment to delivering excellent service is evident in the positive reviews we consistently receive. The Nottinghammoneyman team of trusted mortgage advisors in Nottingham are here to guide you through your mortgage journey with both simplicity and confidence.

Whether you’re entering the property market as a first time buyer in Nottingham or an existing homeowner exploring various options like moving home, remortgaging in Nottingham, or considering later life lending solutions, we are here to help you realise your mortgage objectives.

At Nottinghammoneyman, we embrace a hands-on approach to mortgage advice in Nottingham, accompanying you every step of the way, from the initial consultation to the successful completion of your mortgage application. Our aim is to simplify the mortgage process and make it as stress-free as possible for all those who reach out to us.

Find Out How a Mortgage Broker in Nottingham Can Help You

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At Nottinghammoneyman, our committed team of mortgage advisors in Nottingham meticulously will look through a myriad of mortgage deals to identify the one that perfectly aligns with your specific goals. Our objective is to not only save your time but also safeguard your peace of mind by simplifying the often intricate and demanding mortgage landscape.

With our highly proficient mortgage administrators and seasoned mortgage advisors in Nottingham, you can rest assured that you are in capable hands. It’s a rarity for us to encounter a situation we haven’t encountered in some form before, which means we are well-prepared to navigate various scenarios and provide you with sound guidance.

Finding Solutions for Both First Time Buyers in Nottingham and Existing Homeowner Remortgages

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Whether you’re a first time buyer in Nottingham or someone who hasn’t navigated the property market in a while, our service is designed to be a valuable resource for you.

We understand that buying a new home can be a challenging endeavour, and we are here to provide unwavering support throughout the entire process. No matter what hurdles we encounter along the way, we’ll work together to overcome them.

For existing homeowners in Nottingham looking to explore remortgaging options, our expertise comes into play as we meticulously scrutinise thousands of deals to identify the one that suits your needs best.

During the remortgage process, many of our clients contemplate capital raising solutions, including funding home improvements or consolidating debts like credit cards and loans. This is a specialised area, and we are committed to offering you transparent and candid advice, always keeping your best interests at the forefront of our recommendations.

Expertly Answering Your Mortgage Questions

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Your reliable mortgage advisor in Nottingham is here to offer help and guidance on all matters related to mortgages, ensuring that you have access to our expertise seven days a week, from early morning until late in the evening. Our dedicated team is just a phone call or email away, ready to provide support and answer any questions you may have about your mortgage.

Mortgage Advice in Nottingham for Complex Cases

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Having been a mortgage broker in Nottingham since 2009, we have come across almost every single mortgage situation. We will consider all applications; no problem is too big for us! Don’t hesitate to call even if you believe that your situation is too complicated as it’s more than likely that we have faced that hurdle before and know exactly how to help you.

Maybe you are self employed, a company owner, a partner, a contractor or on a probation period with a new employer and are struggling to get a new mortgage arranged. This is where an experienced mortgage advisor in Nottingham will prove highly beneficial.

Also, this will apply if you have had credit problems in the past, been bankrupt, have a CCJ and/or a poor credit score.

We have in-depth knowledge of lending criteria and experience providing expert advice to clients with all types of individual situations.

Bank versus a Mortgage Broker in Nottingham

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Frequently, our clients initially approach their own bank when seeking mortgage advice in Nottingham. However, many find themselves turned away for a variety of reasons, including not meeting the bank’s criteria or facing strict affordability checks, difficulties in securing appointments, or simply not being able to borrow the amount needed.

If you find yourself in any of these situations, it’s crucial to reach out to a mortgage broker in Nottingham, such as our team, who are eager to help you. The sooner you seek advice from a broker, the more advantageous your position will be when you’re ready to secure a mortgage deal.

Searching Through 1000s of Mortgage Deals

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In our role as your mortgage broker in Nottingham, we will diligently search through a vast array of residential and buy to let mortgage options on your behalf. Our panel includes a diverse range of mortgage lenders, encompassing both high street and specialist products.

It is advisable to consult 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 to prepare a mortgage agreement in principle document, which can bolster any offers you decide to make.

Being well-prepared through early mortgage advice in Nottingham positions you as ‘mortgage ready,’ potentially giving you an advantage over other prospective homebuyers who may not have taken such an organised approach when making offers on properties.

Count on Nottinghammoneyman for transparent and honest mortgage advice in Nottingham, available 7 days a week.

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We Search 1000s of Mortgage Deals in Nottingham

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Mortgage Questions in Nottingham

How long does the process in Nottingham take?

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Our initial mortgage consultation, which comes at no cost to you, typically lasts around 30 minutes. As a seasoned mortgage broker in Nottingham, we’re proud to offer a swift turnaround time of 24 hours for an agreement in principle. All it takes is a brief phone call to collect the necessary information. On average, the issuance of a formal mortgage offer typically takes about three to four weeks.

What documents will I need to provide for my mortgage in Nottingham?

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If you’re an employee, you’ll typically need to provide three recent payslips and your latest P60 to substantiate your income. For self-employed individuals in Nottingham, the standard requirement includes the latest two years’ tax calculations and corresponding overviews.

You’ll also be asked for proof of identification (such as a driving license or passport), proof of address (via utility bills, tax bills, or credit card statements), and a three-month bank statement. This bank statement helps demonstrate the accumulation of your deposit, along with providing explanations for any significant credits.

I’m self employed in Nottingham, can I get a mortgage?

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The positive news is that securing a mortgage while being self employed in Nottingham is indeed feasible. To meet the requirements, you’ll typically need to provide at least one year’s worth of accounts. Furnishing these documents significantly enhances your chances of mortgage approval.

The maximum mortgage amount is usually calculated by most lenders based on your salary and dividends, while others may consider your net profit. The specific approach depends on the lender.

Can I get a mortgage in Nottingham with previous credit problems?

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The encouraging news is that while prior credit issues may pose some challenges, obtaining a mortgage is not out of the question. You can still make it happen! In such cases, some lenders might request a slightly higher deposit, typically around 10-15%.

How much deposit do I need for a mortgage in Nottingham?

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Typically, most mainstream mortgage lenders require a minimum deposit of 5%. However, this percentage may be higher, depending on your individual circumstances, particularly if you have a history of previous credit issues.

Can I get a second mortgage in Nottingham?

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The positive aspect is that it’s entirely possible to hold two concurrent mortgages in Nottingham, as long as you have the financial capacity to manage the monthly repayments for both. If your aim is to achieve goals like debt consolidation or home improvements, you may explore the option of securing a second mortgage on your property.

How long does an Agreement in Principle last?

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The duration of an Agreement in Principle typically spans from 30 to 90 days, although this timeline is ultimately determined by the lender. If your Agreement in Principle happens to expire, there’s no need for concern; you can renew it by simply re-establishing contact with your trusted mortgage advisor in Nottingham.

When should I obtain an agreement in principle in Nottingham?

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As a dedicated mortgage broker in Nottingham, we strongly recommend obtaining an Agreement in Principle (AIP) as early as possible, ideally before commencing your property viewings. Having an AIP in place while viewing houses may offer you the potential advantage of negotiating prices.

How does the mortgage process work?

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Our mortgage process involves several distinct stages. The journey begins by getting in touch, where one of our reliable mortgage advisors in Nottingham will conduct a Fact Find to gain a comprehensive understanding of your unique mortgage situation.

Next, you’ll proceed to your free mortgage consultation, during which your designated mortgage advisor in Nottingham will initiate the search for mortgage deals tailored to your specific circumstances. If they identify an offer that aligns with your preferences, we can kickstart the mortgage application process.

Following this, they will perform a credit check to secure an Agreement in Principle. You will be asked to provide certain supporting documents to strengthen your mortgage application.

Finally, your mortgage application will be submitted, and we’ll await the issuance of a formal mortgage offer.

How does the free initial mortgage consultation in Nottingham work?

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Your initial free mortgage consultation with your dedicated mortgage advisor in Nottingham typically lasts around 30 minutes.

Throughout this consultation, we’ll delve into your mortgage requirements and gain a deeper understanding of your needs. Once we have a clearer picture of your personal and financial situation, we will begin the search for mortgage deals that are an ideal match for you.

Mortgage Guides

Nottinghammoneyman.com & Nottinghammoneyman 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, Nottingham, 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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