Specialist Mortgage Advice in Nottingham

Free Specialist Mortgage Consultation in Nottingham

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Specialist Mortgage Advisor in Nottingham

Have you been declined by your bank? If so, we may be able to help!

Just because you’ve been declined by your bank because of your specialist mortgage situation, doesn’t, mean that you should give up on trying to get a mortgage!


With the help of a specialist Mortgage Broker in Nottingham, you may be able to secure that mortgage deal that you’ve always been looking for. Our team of mortgage advisors in Nottingham have access to 1000s of specialist mortgage products – they will try and pick out the perfect one for you.


Have you got a complicated situation?

We’ve helped many customers overcome specialist situations, here are just to name a few:


Do you have a bad credit history?

Have you got a CCJ (county court judgement) associated to your name?

Are you trying to remove your name or another person name from a mortgage?

Do you have a low credit score and need help improving it?


We have been faced with many different types of specialist situations; the scenarios listed above are just a few of the most popular.


All situations considered!

Contact us for a free specialist mortgage consultation.

Our team will try their best to get over your mortgage hurdle. Remember, your situation is never too complicated – one of our advisors would love to try and help!


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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A deeper look into specialist mortgage scenarios…

When a customer approaches us for help getting a mortgage in a specialist situation, we will always try our best to help them. Our Mortgage Advisors in Nottingham have over 20 years of experience, most of the time we are able to help our clients overcome these hurdles.


Here is a deeper look into the specialist scenarios that we come across:

Property Down Valuation

So, you’ve had your offer accepted on a property but a property survey has been performed on it and it turns out that you are going to be paying/borrowing more than the true property’s value. When this happens, lenders will likely pull out of the deal or offer you a mortgage that matches the value of the home. This is called a down valuation and it can sometimes get complicated, especially if this is your first mortgage journey.

Divorce & Separation Mortgage Advice

It’s never planned and always devastating when it happens, however, when going through a divorce or separation with a shared mortgage, it’s crucial that you sort things sooner rather than later.

Remove a person from a Mortgage

Linking to the last point, if you’ve been through a divorce or separation, you may need to get your name or another person’s name removed from a mortgage. Depending on both party’s personal and financial situations, it may be best that one person stays within the property over the other.

Single Name Mortgages for Married Applicants

If you’re married but are planning to take out a mortgage in only your name, you’ll need to provide evidence that you can afford the costs of a mortgage by yourself.

Shared Ownership

Shared ownership mortgages let you buy a percentage of a property and pay the rest back on rent. The shared ownership scheme is great for people who don’t currently want full ownership over a property but may want to in the future.

Professional Mortgages

Professional mortgages are only available to certain professions. The market for this type of mortgage is quite niche, contact us if you want more information.

Second Home Mortgages

If you are looking to get a second mortgage for a particular reason, such as a buy to let, you will need to prove that you can afford two sets of mortgage payments. You’ll also need to put down a larger deposit for things like a buy to let. People sometimes take equity out of their current property to cover the deposit on their second mortgage.

Holiday Home/Let Mortgages

Are you planning to purchase a holiday home to either live in or let it out? If so, we can help you get the process started.

New Build Mortgages

New build’s often come with higher sale prices. If you don’t have the funds in place to put down a deposit on a new build, you can always try and apply for the Help to Buy Equity Loan scheme.

Non-Standard Construction Property Mortgages

A ‘non-standard’ property is basically anything that isn’t built out of brick and mortar. You may need to try and obtain a specialist mortgage product if you’re planning to buy a non-standard construction property. We also recommend getting a full structural property survey if you’re buying a property like this.

Multiple Applicant/House of Multiple Occupation Mortgages

These types of mortgages are usually taken out by landlords for a buy to let/house of multiple ownership. This mortgage type is very complex and we would recommend speaking to a buy to let mortgage advisor in Nottingham.

Mortgages Past Retirement Date/Lifetime Mortgages

If you want to release equity from your home in the form of a lifetime mortgage, we would recommend seeking specialist help. Releasing equity through a lifetime mortgage has both positives and negatives.


Offset Mortgages

Offset mortgages allow you to link your savings to your mortgage. Taking one out could potentially help you access a better interest rate and competitive product.

In need of a Specialist Mortgage Advisor in Nottingham?

We’re open and honest with our customers. We will only recommend you a mortgage product that benefits your personal and financial situation.


We offer a free mortgage consultation to every customer, no matter your mortgage situation. Specialist or not, we will always try and help you through your mortgage journey.


We been working within the mortgage industry for over 20 years, we know exactly what we are looking for. Every one of our mortgage advisors in Nottingham are experienced with all different kinds of mortgage situations – they would love to try and help you!


We have access to 1000s of mortgage products. This is the difference between a lender and a mortgage broker in Nottingham, we can search specialist deals and try and find one perfect for you.


We will hold your hand through the whole mortgage process, keeping you informed on the status of your application throughout the whole journey.


Our team are available 7 days a week! Contact us for your free consultation at a time that best suits you.


For Mortgage Advice in Nottingham, get in touch with our team and we will see how we can help!

Reviews Stars4.95 Rating273 Reviews

Common mortgage

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.

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 Nottingham!

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

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

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

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