Fast & Friendly Mortgage Advice in Nottingham
Appointments Available on Evenings and Weekends
We love helping all our customers, especially the ones who really need Mortgage Advice in Nottingham - 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 0115 8602193.
Book OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0115 8602193.
We love helping all our customers, especially the ones who really need Mortgage Advice in Nottingham - it's not just about finding a mortgage, it's about the journey. We will hold your hand through the full process.
Book OnlineWhat our customers say
- Mortgage Advice
- Why Us?
Mortgage Advice in Nottingham – Mortgage Broker in Nottingham
Welcome to our website for Nottinghammoneyman, an open & honest mortgage broker in Nottingham. It is our job to provide open and honest Mortgage Advice in Nottingham, giving our customers complete support and guidance throughout their mortgage journey.
We have a strong team of experienced Mortgage Advisors in Nottingham who always work hard to ensure that the home buying and remortgage process is as stress-free as it can be. Our team will be on hand, from your first point of contact, until your mortgage completes.
How can we help you obtain a mortgage in Nottingham?
We will always aim to deliver exceptional service to all of our customers who get in touch, whether they’re new to the process or have spoken to us before. You are welcome to take a look at our genuine reviews, as this is proof of the levels of service we aim to provide all who get in touch.
Customer service is at the heart of everything we do. We love to take care of our customers and help them to reach all of their mortgage goals, by providing fast & friendly Mortgage Advice in Nottingham. Our team will always do their best to reduce your stress levels.
We have a good reputation for always being open and honest with our customers during their process. We will always recommend the most suitable option for their circumstances. For example, if you’re looking to remortgage but you’re better off doing a product transfer or staying on your current deal, we’ll be honest and tell you so.
A true benefit to using a Mortgage Broker in Nottingham like us, is that we have access to such a large panel of lenders. We’re able to look through 1000’s of mortgage deals to make sure you are on the most suitable mortgage with favourable rates. This often includes deals you wouldn’t get by going direct. You are our top priority and we’ll always try to save both your time, and your money.
How our Mortgage Advice process works in Nottingham
As a trusted Mortgage Broker in Nottingham, whether you are looking for your first mortgage or looking to remortgage, we’ll try to find the best one for your circumstances. Book a free mortgage appointment with one of our fantastic Mortgage Advisors in Nottingham, at times that best suit your schedule. We’re open 7 days a week, with appointments subject to availability.
During your mortgage appointment, your Mortgage Advisor in Nottingham will need to gather more information about you and what you are looking to do. Once they have done that, they can search through 1000’s of mortgage products to find the best one. Your advisor will go over everything in more detail with you during this appointment.
If you are happy with the mortgage deal that we recommend to you, then we can start looking at getting you an agreement in principle. This is incredibly beneficial for making offers on a property, as it shows the seller you’re ready to go. We can typically get this for you within 24 hours of your initial appointment.
The next step is to find a house and make an offer, if you haven’t already. Once that offer has been accepted, get back in touch with your Mortgage Advisor in Nottingham, who will proceed with a full mortgage application.
Now, it’s up to us. We will go ahead and submit your full mortgage application. Your case handler will make sure that you are always up-to-date with everything, until a formal mortgage offer has been received.
We always like to keep in touch with customers even after they have completed. When your initial fixed-period is coming to an end, we’ll be back in touch to see if you’re happy with your current deal and to see what we can do for you further.
Contact your Mortgage Broker in Nottingham
If you need the assistance of a Mortgage Broker in Nottingham to get a mortgage, our dedicated team are here to help. No matter if you are a nervous first time buyer in need of guidance, a home mover needing someone to reduce the stress, a landlord looking for help on a buy to let mortgage, or have a complex case and need Mortgage Advice in Nottingham, we will be happy to help you.
Our Mortgage Advisors in Nottingham are on available 7 days a week. Book your free mortgage appointment today and we’ll get started on your mortgage journey.
Why choose Nottinghammoneyman?
We have been working with mortgages for well over two decades now. During this time our Mortgage Advisors in Nottingham have come across lots of different mortgage scenarios. No matter how unique your situation is, it’s likely we have heard of something similar.
Combining our experience and knowledge with a strong determination, we will work hard to help you find a competitive mortgage deal. Depending on your credit file and affordability, we will hopefully be able to help you find mortgage success.
Specialist Mortgage Scenarios
Whether you’re trying to get accepted for a second mortgage or trying to get one with a CCJ, our expert advisors have done it all. Each of our Mortgage Advisors in Nottingham has a specialist knowledge of every mortgage type.
We even have access to a wide panel of specialist mortgage products to search through, oftentimes with deals you cannot get by going direct to a bank or building society.
7 Days a Week
Our team are here every single day of the week, working from early in the morning, until later in the evening. This means you can speak to someone at a time that best suits you and your busy schedule.
These working hours also run alongside our expert mortgage advisors working schedule, meaning there are time slots at times outside of the regular 9 to 5, subject to availability.
We want what is best for all our customers and will make sure that they have the best deal for their circumstances.
Getting Mortgage Advice From Your Bank
Regularly we hear from customers who are wanting Mortgage Advice in Nottingham after being declined by the bank.
Common reasons for being declined by the bank include (but are not limited to); not fitting criteria, failing affordability checks, unable to get an appointment, or they aren’t willing to lend enough.
If any of these situations apply to you, you should definitely get in touch with an expert Mortgage Broker in Nottingham, as they will work hard to try and help you!
The earlier you seek to obtain advice from a Mortgage Broker in Nottingham, the better off you’ll be when the time comes to find the best mortgage deal.
Mortgage advice in Nottingham – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
Common mortgage questions
Your free mortgage consultation with us will last around an hour. During this consultation, your dedicated Mortgage Advisor in Nottingham will get to learn a bit more about your personal and financial situation.
Once your consultation is finished, your Mortgage Advisor in Nottingham will go away and try and find you a perfect mortgage deal tailored to your circumstances. If you love the mortgage offer that they’ve picked out and want to continue, the next step is to submit your mortgage application!
Our mortgage process consists of multiple different steps: 1. Once you get in touch, we will have you carry out our Fact Find so that we can get a bigger picture of your mortgage situation. 2. You’ll undergo your free mortgage consultation, then your dedicated Mortgage Advisor in Nottingham will begin searching for mortgage deals that are tailored to your circumstances. If we find you an offer that you are happy to proceed with, we can get the ball rolling with your mortgage application. 3. We will perform a credit check on you in order to obtain an agreement in principle. Furthermore, we will get some evidential documents from you in order to back up your mortgage application. 4. We will submit your mortgage application and wait for a formal mortgage offer to be issued.
As a Mortgage Broker in Nottingham, we always advise applicants to obtain an Agreement in Principle before viewing properties. Firstly, you’ll need an Agreement in Principle to make an offer on a property. Secondly, having one in place could put you in a position to negotiate prices.
An Agreement in Principle typically lasts for 30-90 days. This timeframe may change depending on the lender that you are using.
If your Agreement in Principle expires, you can easily renew it by getting back in touch with your Mortgage Advisor in Nottingham or your lender.
It’s possible to obtain a second mortgage; as a Mortgage Broker in Nottingham, here are the most common reasons we see for people wanting a second mortgage:
– Debt consolidation
– Home Improvements
– Buy to Let
– Other, e.g. for a Family Member, Holiday Home, etc.
High street mortgage lenders will usually ask for a minimum of a 5% deposit. This percentage may be higher depending on if you’ve had previous bad credit issues.
If you’ve had bad credit issues in the past, you may find it a little harder to get a mortgage, but that isn’t saying you still can’t get one!
Lenders may ask for a slightly higher deposit if you’ve had bad credit in the past. Some lenders may ask for a deposit of around 10-15%.
If you are able to submit at least one year’s of accounts, the more likely you are of being able to obtain a mortgage. Most of the lenders that we use look at your salary plus dividend to calculate the maximum mortgage amount. Others may go off your net profit, it all depends on the lender.
- Photo ID (Driving license, Passport, etc.).
- Proof of Address (Utility bills, tax bills, credit card statements, etc.).
- Latest 3 months’ payslips & Latest P60 (employed applicants)
- Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
- 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.
Your free mortgage consultation in Nottingham will usually last around an hour. Following the consultation, we can turn around an Agreement in Principle for you within 24-hours. Now it’s just the case of submitting your mortgage application. A formal offer can take around three weeks on average to come back.
