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Specialist Mortgage Advice in Nottingham

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7 days a week, 8am - 10pm

0115 860 2193 Speak to an Advisor - It's Free!
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Specialist Mortgage Advice in Nottingham

Specialist mortgage advice in Nottingham tailored for your financial situation.

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We look at solutions for specialist mortgages in Nottingham for complex situations.

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.

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Specialist Mortgage Advice in Nottingham

Our service may benefit you when looking for specialist mortgage advice in Nottingham.

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.

Having a team of trusted and experienced mortgage advisors in Nottingham, we have spoken to many customers, all with very diverse mortgage scenarios to one another.

We offer all customers a free mortgage appointment in Nottingham.

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!

We aim to provide you with expert mortgage advice in Nottingham, to find you the most suitable mortgage deal for your current circumstances. We ensure to do everything we can to achieve this.

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FAQs for Specialist Mortgage Situations in Nottingham

What is bad credit for a mortgage in Nottingham?

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“Bad credit” for a mortgage in Nottingham refers to a situation where a potential borrower has a history of financial issues that could pose challenges in obtaining a standard mortgage from mainstream lenders. While having a poor credit history can make securing a mortgage more difficult, there are specialist lenders who may be willing to work with individuals facing adverse credit circumstances.

Can I remove a CCJ from my credit file in Nottingham?

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You cannot directly remove a CCJ from your credit file unless it was issued in error or if you’ve paid it in full within 30 days of receiving the judgment. Otherwise, a CCJ remains on your credit file for a period of six years from the date of issuance, even if you subsequently settle the debt.

Do you require a specialist mortgage advisor in Nottingham?

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While it’s not strictly mandatory to speak with a specialist mortgage advisor in Nottingham, it is highly recommended, particularly if you have unique financial circumstances such as bad credit or if you are self employed. Looking into mortgage advice in Nottingham can be beneficial in helping you explore suitable mortgage options, especially if you may not qualify for standard mortgages from mainstream lenders

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

During your free mortgage appointment with a mortgage advisor in Nottingham, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you. Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Nottingham will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

Reasons to Choose us

Free Mortgage Appointment

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

1000s of Deals

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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 Service

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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!  

7 Days a Week

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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!

Malcolm and Amy Davidson - Mortgage Advice in Nottingham

We Search 1000s of Specialist Mortgage Deals in Nottingham

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Specialist Mortgage Scenarios in Nottingham

Property Down Valuation

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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

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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

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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

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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

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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

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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

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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

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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

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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 tha new build mortgage.

Non-Standard Construction Property Mortgages

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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

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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

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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

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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.

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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