Mortgage Broker In Mansfield

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First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

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We strive in providing an open and honest service for those looking for a helping hand with Mortgage Advice in Mansfield. With over 20 years of experience in the mortgage industry, we utilise our extensive knowledge to find the best mortgage product for you.

Give us a call on 0115 860 2193 or book online for your FREE mortgage appointment.

Book Online

Give us a call on 0115 860 2193 or book online for your FREE mortgage appointment.

Malcoms Image

We strive in providing an open and honest service for those looking for a helping hand with Mortgage Advice in Mansfield. With over 20 years of experience in the mortgage industry, we utilise our extensive knowledge to find the best mortgage product for you.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

Reviews Stars4.95 Rating284 Reviews

Providing Mortgage Advice in Mansfield

With over 20 years of experience under our belt, we have gained rich knowledge about the mortgage industry and have built a brilliant reputation in providing open and honest Mortgage Advice in Nottingham and Mansfield. This has given us a lot of exposure to a variety of mortgage scenarios which has allowed us to fulfil customers in a variety of situations with mortgage success.

You may be stepping into the mortgage world for the first time, moving into your dream property in Mansfield or looking to remortgage your existing property, either way, our team can help!

 

Here at Nottinghammoneyman, we can search through thousands of mortgage deals with the goal to find you the one perfect for your financial and personal situation. We understand that everyone’s situation is different which is why we have access to a large panel of lenders who offer your regular mortgage products as well as specialist ones too!

 

First Time Buyer in Mansfield

A common consensus among homebuyers taking that first step on the property ladder is that the process is exciting but daunting due to being unsure of what steps to take towards getting their application accepted. This is understandable due to a mortgage being one of the biggest financial commitments that the majority of first time buyers have taken on.

 

Our dedicated team of Mortgage Advisors in Nottingham & Mansfield will work hard to help towards achieving your mortgage goals by finding you the most suitable mortgage and advising on the best steps to take. From the initial point of contact all the way to getting the keys to your dream home, we will keep you constantly updated.

 

Buy to Let in Mansfield

Our team of Mortgage Advisors in Nottingham & Mansfield have built up a brilliant reputation in the buy to let market with many new and existing landlords approaching us to help them obtain a Buy to Let property and grow their portfolios. Furthermore, we have helped landlords buy in their name or with an SPV (Special Purpose Vehicle) like their Limited Company.

 

Remortgage in Mansfield

A remortgage occurs when an existing homeowner is coming towards the end of their initial fixed period. This is the best time for you to look into your options for remortgaging.

 

Remortgaging can be beneficial if you are looking to find a better deal, release some equity to fund home improvement, or raise capital. This is popular with homeowners who are content in their home and are not interested in moving out.

 

Self Employed in Mansfield

The mortgage process for a self employed applicant in Nottingham & Mansfield will be similar to your regular mortgage but with one distinct difference; providing evidence of a consistent and sufficient income. Speaking to a Mortgage Advisor in Mansfield will be key when getting through the mortgage journey.

 

We can go through your case with you as well as find you the most appropriate mortgage deal and the most suitable route to go down in order for you to get through the process towards obtaining a mortgage.

 

Moving Home in Mansfield

Those living in Mansfield or a on the outskirts and are coming to the end of their fixed period may look at the option of moving home. Many look to move home due to wanting more space, better living costs or even just a change in location.

 

The moving home process can have its stresses which is something our team understand. You will be juggling both the buying and selling process from finding a buyer to packing your belongings. Our goal is to provide an open and honest service with the aim to take as much stress away from you so you can focus on the move itself.

 

Equity Release in Mansfield

If you are over the age of 55 and are eligible, you may want to look into the option for an Equity Release. Different to remortgaging to release equity, this option allows you to take this out in the form of a Lifetime Mortgage.

Why Choose Nottinghammoneyman?

With over 20 years in the mortgage industry, we have utilised both our lengthy experience and knowledge and help thousands of customers with varying mortgage needs get through the process towards obtaining a mortgage. We have a fantastic team of Mortgage Advisors in Nottingham & Mansfield who will have gone through the vast majority of mortgage situations.

 

We strive in providing each customer with a tailored service by allocating you a designated advisor and case manager who will have a full understanding of your financial picture which allows them to match you with the best mortgage product for you. As well as this, our team will factor in a range of aspects like how your credit file looks as well as carrying out an affordability assessment.

 

We are Available 7 Days a Week

As mentioned, our team provide a tailored service which is why we are available 7 days a week. This means that you can get in touch with a member of our team at a time that suits you! We are to answer any of your questions and update you on the process while keeping technical jargon to a minimum.

 

Here at Nottinghammoneyman, we offer each customer a free mortgage appointment to speak to one of our advisors. You can book this through our online system or by contacting us and can select a time and date that works with you and your schedule.

 

With the goal of wanting to find you the most appropriate mortgage product, let us provide a helping hand on your mortgage journey.

 

Speak to Your Mortgage Broker in Mansfield

An expert Mortgage Broker in Nottingham and Mansfield can provide the support you need with getting a mortgage. Get in touch with us and let our dedicated team work hard to help you fulfil your mortgage goals with a fantastic mortgage advice service in Mansfield.

 

We have helped First Time Buyers, customers looking to move home and experienced as well as budding landlords looking for a Buy to Let Mortgage. Our team may be able to help you! Book your free mortgage appointment or remortgage review today and see how our expert Mortgage Advisors in Nottingham & Mansfield can help you.

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

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About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Mansfield on Social Media

We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Mansfield

You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

Common mortgage questions

Our dedicated mortgage advisors in Nottingham will provide you with a free mortgage appointment that typically lasts around 30 mins.

During this appointment, we will gather information about your financial and personal situation.

Based on the information obtained during the consultation, your mortgage advisor in Nottingham will then search for the ideal mortgage deal tailored to your specific needs.

If you are satisfied with the mortgage offer presented by your mortgage advisor in Nottingham, the next step is to proceed with your mortgage application.

Our mortgage process is composed of several stages. Firstly, we will ask you to complete our Fact Find to provide us with a clear understanding of your mortgage needs and goals.

Next, you will have a free appointment with a mortgage advisor in Nottingham, who will begin searching for mortgage options that are tailored to your individual circumstances. If we find a suitable offer that meets your requirements, we can proceed with your mortgage application.

To obtain an agreement in principle, we will conduct a credit check on you and gather supporting documents to validate your mortgage application.

Once we have submitted your mortgage application, we will wait for a formal mortgage offer to be issued.

We highly recommend obtaining an agreement in principle before you start viewing properties if you’re planning to apply for a mortgage.

This is because an agreement in principle is usually required to make an offer on a property, and it can also help you negotiate prices.

As a mortgage broker in Nottingham, we can help you to obtain an agreement in principle from a mortgage lender, which demonstrates their willingness to grant you a mortgage based on your financial circumstances.

With an agreement in principle in place, you can have a better idea of what properties you can afford and approach the buying process with more confidence.

The validity period of an agreement in principle (AIP) typically ranges from 30 to 90 days, but this may vary depending on the specific mortgage lender.

In case your AIP expires before you find a suitable property, you can easily renew it by contacting your mortgage advisor in Nottingham or the mortgage lender.

As a mortgage broker in Nottingham, we often see customers seeking a second mortgage for various reasons. Some of the most common reasons include:

– Consolidating debt.
– Making home improvements.
– Investing in a buy to let property.
– Other reasons, such as purchasing a holiday home or helping a family member with a mortgage.

When applying for a mortgage in Nottingham with a high street lender, a minimum deposit of 5% is typically required. If you have a history of bad credit, this percentage may increase.

Obtaining a mortgage may be a bit more challenging if you have a history of bad credit, but it’s not impossible!

In such cases, some mortgage lenders may require a slightly larger deposit from you, typically around 10-15%.

Whilst this is the case, there may still be many options available to you, and as an experienced mortgage broker in Nottingham, we can help you find a mortgage lender that is willing to work with your situation.

Submitting at least one year’s worth of accounts increases your chances of getting approved for a mortgage.

The mortgage lenders we work with typically consider your salary plus dividend to determine the maximum mortgage amount.

Some lenders may base their calculations on your net profit. The criteria varies from lender to 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.

Typically, your free mortgage appointment in Nottingham will take approximately 30 mins.

After the appointment, we can provide you with an agreement in principle, usually within 24 hours. Once you have decided to proceed, the next step is to submit your mortgage application.

On average, it takes about three weeks to receive a formal offer from the mortgage lender.

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, 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

© 2023 Nottinghammoneyman

Nottinghammoneyman, Gothic House, Barker Gate, Lace Market, Nottingham, NG1 1JU.

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