Welcome to Halifaxmoneyman, your home of trusted, expert mortgage advice in Halifax.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
To speak with a mortgage advisor in Halifax, book your FREE mortgage appointment online.
Welcome to Halifaxmoneyman, your home of trusted, expert mortgage advice in Halifax.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
Our Customers Love Us
4.97 Rating472 Reviews
Anonymous
Amazing service. Jason was so helpful and explained every step of the process. Worth every penny
2 days ago
Thomas
Connor was fantastic, made it very easy and straightforward.
3 days ago
Imma
I’m grateful we chose UK Moneyman, the team is incredibly fast and reliable. We communicated mainly with Wayne and Jo, they supported us carefully and patiently as first-time buyers. Oh, this team is amazing! After we lost our first mortgage...
5 days ago
Max
I had a fantastic experience with UK Moneyman. Jo and Tom were incredibly helpful, professional and made the whole process smooth and stress-free. Highly recommend!
1 week ago
Wayne
Very good service all the way from Dan and Jonathan
1 week ago
Andrew.
This is the second time I've used UK Moneyman. Can't fault the service or communication. A pleasure to deal with.
2 weeks ago
Ike
UK moneyman is one of the best mortgage brokers and advisors i have come across... they are thorough and patient with you through out entire the process. My experience with uk moneyman has been fantastic especially as first time buyers who had very...
3 weeks ago
Nathanael
Absolutely brilliant customer service. We found a house we adored so they expedited our mortgage in principle so that we could put in an offer the next day! Brilliant communication and extremely helpful! Would recommend!
3 weeks ago
Howard
A simple and stress free process. Very happy with the service we have received.
3 weeks ago
Howard
We received an excellent service with regular communication and relatively straightforward processes. We received our offer within days and the whole process has been simple and stress free.
3 weeks ago
Rachel
Fabulous from start to finish, always there for me, with updates and kept me calm over the 5 months it took to purchase my new home Excellent service
1 month ago
Rachel
Fabulous service, right from the start. Very caring about me, and always helped out, with updates, which was fabulous, as i wss very stressed and in a tricky position, to leave my rented home. Very very good service
1 month ago
Rowland
Extremely pleased with the service provided by Dan and Jonathan at UK Moneyman. They achieved a very challenging unique Right to Buy Mortgage application for my father aged 76. Their expertise and experience really made what was initially an...
1 month ago
Krista
Took the pain out of the mortgage application process. I definitely recommend
1 month ago
Anonymous
We are really pleased with service we received , Chris Thompson and lizzie roscoe were amazing. Thank you.
1 month ago
Anonymous
Kept me informed in each and every process defo recommended
1 month ago
Luke
Brilliant service from start to finish
1 month ago
Anonymous
Malcolm was great talked us through every step of the process with clear and plain English. 100% reccommend them
1 month ago
Gabriele
It was an utterly pleasant and satisfying experience to work with UK Moneyman. From my first video call with Dan I was sold, never tried another broker. I felt well cared for, the information was comprehensive, tailored to my situation, specific and...
1 month ago
Jeanette
Defo recommend, Chris kept me updated at each stage couldn't fault anything
1 month ago
We are open and honest mortgage advisors in Halifax, committed to helping customers with their mortgage inquiries and providing the support they need. Our dedication to delivering excellent service is evident in the consistently positive reviews we receive.
Our team of trusted mortgage advisors in Halifax here at Halifaxmoneyman, are here to guide you through your mortgage journey with both simplicity and confidence.
Whether you are entering the property market as a first time buyer in Halifax or an existing homeowner exploring various options like moving home, remortgaging in Halifax, or considering later life lending solutions, we are here to help you realise your mortgage goals.
At Halifaxmoneyman, our dedicated team of mortgage advisors in Halifax carefully look through a wide variety of mortgage deals to identify the one that perfectly aligns with what it is that you are specifically looking to achieve.
Our objective as a team of mortgage professionals, is to not only save your time but also provide you with peace of mind by simplifying the often intricate and demanding mortgage landscape.
With our highly proficient mortgage administrators and seasoned mortgage advisors in Halifax, you can rest assured that you are in capable hands.
It’s a rarity for us to encounter a situation we haven’t encountered in some form before, which means we are well-prepared to navigate various scenarios and provide you with sound guidance.
Whether you’re a first-time buyer in Halifax or someone returning to the property market after a hiatus, our service is tailored to be an invaluable resource for you. We understand that purchasing a new home can be a daunting journey, and we are here to provide unwavering support throughout the entire process.
No matter what challenges we encounter along the way, we will work together to overcome them. For existing homeowners in Halifax exploring remortgage options, our expertise shines as we meticulously evaluate thousands of deals to pinpoint the one that best suits your needs.
During the remortgage process, many of our clients contemplate capital-raising solutions, whether it’s for home improvements or consolidating debts such as credit cards and loans.
This is a specialised area, and we are committed to offering you transparent and honest advice, always keeping your best interests at the forefront of our recommendations.
Your trusted mortgage advisor in Halifax is here to provide help and guidance on all mortgage-related matters, ensuring you have access to our expertise seven days a week, from early morning to late in the evening.
Our dedicated team is just a phone call or email away, ready to provide support and answer any questions you may have about your mortgage.
With our experience as a mortgage broker in Halifax since 2009, we’ve encountered nearly every conceivable mortgage situation. We consider all applications, and no challenge is too formidable.
Don’t hesitate to reach out, even if you believe your situation is exceptionally complex, as it’s highly likely that we’ve faced similar hurdles before and know precisely how to help you.
Whether you are self employed, a business owner, a partner, a contractor, or on probation with a new employer, and you’re encountering difficulties securing a new mortgage, an experienced mortgage advisor in Halifax can be of significant help.
The same applies if you have a history of credit problems, bankruptcy, a CCJ, or a less-than-ideal credit score. We possess in-depth knowledge of lending criteria and extensive experience in providing expert advice to clients with diverse individual situations.
Frequently, our clients initially approach their own bank when seeking mortgage advice in Halifax. However, many find themselves turned away for various reasons, including not meeting the bank’s criteria, encountering stringent affordability checks, difficulties in securing appointments, or simply being unable to borrow the required amount.
If you find yourself in any of these situations, it’s important to reach out to a mortgage broker in Halifax, such as our team, who are eager to help you. The sooner you seek advice from a broker, the more advantageous your position will be when you’re ready to secure a mortgage deal.
In our role as your mortgage broker in Halifax, we diligently explore a vast array of residential and buy to let mortgage options on your behalf. Our panel comprises a diverse range of mortgage lenders, encompassing both high street and specialist products.
It is advisable to speak with a mortgage broker like us even before you start viewing properties with estate agents. This proactive approach enables us to provide you with a clear understanding of your budget and prepare a mortgage agreement in principle document, which can bolster any offers you decide to make.
Get in touch with Halifaxmoneyman for transparent and honest mortgage advice in Halifax, available 7 days a week.
Our initial mortgage appointment, provided at no cost, usually takes about 30 minutes. As an experienced mortgage broker in Halifax, we take pride in our swift 24-hour turnaround time for providing an Agreement in Principle.
All it entails is a brief phone call to gather the necessary information. On average, the formal issuance of a mortgage offer usually takes around three to four weeks.
For employees, the standard requirement usually involves submitting three recent payslips and your latest P60 to substantiate your income.
For self-employed individuals in Halifax, typical documentation includes the latest two years’ tax calculations and corresponding summaries.
You’ll also be asked to provide proof of identification, such as a driving license or passport, along with proof of address, which can be evidenced through utility bills, tax bills, or credit card statements.
Additionally, a three-month bank statement will be requested. This statement serves a dual purpose by demonstrating the accumulation of your deposit and offering explanations for any significant credits.
The good news is that securing a mortgage while being self-employed in Halifax is entirely feasible.
To meet the criteria, you’ll typically need to provide at least one year’s worth of accounts. Furnishing these documents significantly enhances your chances of obtaining mortgage approval.
Most lenders generally calculate the maximum mortgage amount based on your salary and dividends, although others may consider your net profit. The specific approach varies depending on the lender.
The encouraging news is that while prior credit issues may pose some challenges, obtaining a mortgage is not out of the question. You can still make it happen! In such cases, some lenders might request a slightly higher deposit, typically around 10-15%.
Typically, most mainstream mortgage lenders require a minimum deposit of 5%. However, this percentage may be higher, depending on your individual circumstances, particularly if you have a history of previous credit issues.
The good news is that it’s entirely feasible to manage two concurrent mortgages in Halifax, provided you have the financial capacity to handle the monthly repayments for both.
Whether you’re aiming for debt consolidation or planning home improvements, exploring the option of securing a second mortgage on your property is possible.
An Agreement in Principle typically has a duration of 30 to 90 days, although the specific timeframe is determined by the lender.
Should your Agreement in Principle expire, there’s no need to worry; you can easily renew it by reaching out to your trusted mortgage advisor in Halifax.
As a dedicated mortgage broker in Halifax, we strongly advise obtaining an Agreement in Principle (AIP) as early as possible, ideally before you begin your property viewings.
Having an AIP in place when you’re viewing houses can potentially provide you with an advantage when negotiating prices.
Our mortgage process encompasses several distinct stages. The journey commences with an initial contact, during which one of our dependable mortgage advisors in Halifax conducts a Fact Find to gain a comprehensive understanding of your unique mortgage situation.
Next, you’ll progress to your free mortgage appointment, where your designated mortgage advisor in Halifax initiates the search for mortgage deals tailored to your specific circumstances. If they identify an offer that aligns with your preferences, we can initiate the mortgage application process.
Following this, a credit check is performed to secure an Agreement in Principle, and you’ll be asked to provide specific supporting documents to strengthen your mortgage application.
Ultimately, your mortgage application will be submitted, and we’ll await the issuance of a formal mortgage offer.
Your initial free mortgage appointment with your dedicated mortgage advisor in Halifax typically lasts around 30 minutes.
During this appointment, we delve into your mortgage requirements, gaining a deeper understanding of your needs.
With a clearer picture of your personal and financial situation, we proceed to search for mortgage deals that are an ideal match for you.
Regulatory Information
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
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
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm