Specialist Mortgage Advice 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 Rating295 Reviews

Common mortgage

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.

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

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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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