Fast & Friendly Mortgage Advice in Halifax
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We love helping all our customers, especially the ones who really need Mortgage Advice in Halifax - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01422 887197.
Enquire OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01422 887197.
We love helping all our customers, especially the ones who really need Mortgage Advice in Halifax - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.
Enquire Online4.97 Rating318 Reviews
Rebecca
Very happy with the service provided. Always there to answer questions and help us understand the compexities of buying a property. I would highly recommend these to others
3 days ago
James
A shock sale announcement by my landlord led to a hasty quest to see if I could secure a mortgage. After a quick initial phone call a later appointment was booked in, this was on Saturday too! I was dealt with by Chris Thompson who was friendly,...
6 days ago
Natasha
Conor and the team kept me well informed and updated. Highly recommend
1 week ago
Lanka
Very efficient and helpful. Very prompt is responses as well.
2 weeks ago
Lee
Great connection - kept me informed every step of the way..highly recommended.
1 month ago
Anonymous
Excellent service from Jason and Meghan. Both went the extra mile to help me secure a mortgage offer. I had a particularly complicated application and it took multiple searches to finally get through. Both Meghan and Jason were incredibly...
1 month ago
Claire
Excellent service would highly recommend.
1 month ago
Mary
They have been amazingly supportive and knowledgeable. Found us the best deal and have helped us hugely. Thank you so much.
1 month ago
Armon
The best !! Chris and Stacey were very helpfull and understanding . They managed to secure us the mortgage offer from the bank in a very short period . Best service !! Thank you
1 month ago
Malcolm
Really knew their stuff and went through all the plusses and minuses in great detail so that we fully understood what we were taking on. Also very quick turnaround. Wouldn't hesitate to recommend. I wish I could find a fault, but I can't and that...
2 months ago
Anonymous
The team are very clear and informative giving us the help we needed as first time buyers. We had regular and prompt updates on the whole process and great communication from Tom and Meghan.
2 months ago
Alex
Uk money have again gone above and beyond. We have had a difficult mortgage application on an 2nd property this time and they have been there every step of the way! This is the 3rd time over the years they have been there for us! It’s a shame...
2 months ago
Rachel
I have used UK money man a couple of times now and I can’t recommend them enough! Brilliant service, quick responses and always keep you updated. They make something which is quite stressful much easier and relax and talk you through every step of...
2 months ago
Charles
They made it a very simple process. Can’t recommend highly enough.
2 months ago
Tom
Extremely efficient and have made the whole process a lot easier than I imagined.
3 months ago
Rebekka
The whole team have been great and supported us through a tricky application in a tough climate. Our personal handler Tom maintained comms with us throughout add was always willing to help and answer any questions we had. We would recommend using...
3 months ago
Paul
Extremely efficient and helpful.
5 months ago
Gill
I have nothing but praise for the help given by our financial advisor, Dan. He was incredibly knowledgeable and sensitive to our needs. He gave us a lot of different options and we are considering our next move and will be in touch when we are ready...
5 months ago
Anna
As first-time buyers, my partner and I can not thank UK Moneyman enough for all their help with buying our first house. Jason and Jo basically held our hands through the whole process, explained everything to us in simple terms and were completely...
5 months ago
Dean
Our advisor Dinah was incredibly helpful and refreshingly honest from start to finish. We've previously used a mortgage advisor who we'd been disappointed with. He was hard to contact and I often found myself chasing him. This couldn't have been...
6 months ago
- Mortgage Advice
- Why Us?
Mortgage Advice in Halifax – Mortgage Broker in Halifax
Welcome to our platform, Halifaxmoneyman, your trusted and transparent mortgage advisor in Halifax. Our primary mission is to provide candid and reliable mortgage advice in Halifax, extending unwavering support and guidance to our customers throughout their mortgage journey.
We take pride in our proficient team of experienced mortgage advisors in Halifax, who consistently strive to ensure that the home-buying and remortgaging processes are as stress-free as possible. Our dedicated team will be there for you from the very first point of contact, right through to the completion of your mortgage.
How can we help you obtain a mortgage in Halifax?
Our commitment is to deliver exceptional service to all our customers, regardless of whether they are new to the process or have engaged with us before. Feel free to peruse our genuine reviews; they serve as a testament to the high level of service we aim to provide to all who seek our assistance. At the core of our operations lies a dedication to customer service.
We take great care of our customers, helping them in achieving their mortgage goals with fast and friendly mortgage advice in Halifax. Our team’s unwavering goal is to alleviate your stress levels. We are well-regarded for our transparent and honest interactions with customers during their journey. We always recommend the most suitable option for your unique circumstances.
For example, if you’re considering a remortgage but might be better off with a product transfer or staying on your current deal, we will offer our honest advice. One of the significant advantages of working with a mortgage broker in Halifax like us is our access to a vast panel of lenders.
This enables us to scrutinise thousands of mortgage deals to ensure you secure the most suitable mortgage with favourable rates, often including options you wouldn’t find by going directly to a lender. Your satisfaction is our top priority, and we will consistently strive to save you both time and money.
How our Mortgage Advice process works in Halifax
As a trusted mortgage broker in Halifax, whether you are a first-time homebuyer or looking to remortgage, we are dedicated to finding the best mortgage solution for your specific circumstances. Book a complimentary mortgage appointment with one of our exceptional mortgage advisors in Halifax, at a time that suits your schedule.
Our services are available seven days a week, subject to appointment availability. During your mortgage consultation, your Halifax-based mortgage advisor will gather additional information about your needs and preferences. Subsequently, they will sift through a multitude of mortgage products to identify the optimal one for you.
Your advisor will provide a detailed explanation of the chosen mortgage during this appointment. If you are content with the mortgage deal we recommend, we can proceed to obtain an agreement in principle, typically within 24 hours of your initial consultation. The next step involves house hunting and making an offer, if you haven’t done so already.
Once your offer is accepted, get in touch with your Halifax mortgage advisor, who will initiate a full mortgage application. From this point onward, we take the reins. We will submit your complete mortgage application, and your dedicated case handler will ensure you remain informed throughout the process until you receive a formal mortgage offer.
Our commitment doesn’t end there; even after the completion, we maintain contact with our customers. As your initial fixed-period approaches its conclusion, we will reach out to assess your satisfaction with your current deal and explore further possibilities to help you.
Contact your Mortgage Broker in Halifax
When you require the support of a mortgage broker in Halifax to secure a mortgage, our dedicated team is ready to help you. Whether you find yourself as a first-time buyer seeking reassurance, a homeowner looking for a stress-free transition, a landlord in pursuit of buy to let mortgage expertise, or dealing with a complex case necessitating mortgage advice in Halifax, we stand ready to offer our assistance.
Our team of mortgage advisors in Halifax is at your service seven days a week. Don’t hesitate to schedule your complimentary mortgage consultation today, and we will embark on your mortgage journey without delay.
Why choose Halifaxmoneyman?
With a well-established history of over two decades in the mortgage industry, our seasoned mortgage advisors in Halifax have encountered a wide array of mortgage scenarios. Regardless of the uniqueness of your situation, there’s a good chance that we’ve encountered something similar.
We harness our extensive experience and knowledge, coupled with a steadfast commitment, to diligently help you in discovering a competitive mortgage solution. Depending on your credit profile and financial capacity, we aspire to guide you towards mortgage success.
Specialist Mortgage Scenarios
Our adept advisors have navigated the complexities of various mortgage challenges, from securing a second mortgage to addressing cases involving CCJs. Each of our mortgage advisors in Halifax possesses specialised knowledge spanning all types of mortgages.
Furthermore, we maintain access to an extensive array of specialist mortgage products, often featuring deals that may not be readily available by approaching banks or building societies directly.
7 Days a Week
Our dedicated team is at your service every day of the week, with working hours spanning from early morning to late evening. This flexible schedule ensures that you can engage with us at a time that aligns with your busy agenda.
These hours also coincide with the availability of our expert mortgage advisors, offering time slots beyond the conventional 9-to-5 timeframe, subject to availability. Our foremost priority is to secure the best possible mortgage deal tailored to your individual circumstances.
Getting Mortgage Advice From Your Bank
It’s a common occurrence for us to hear from customers who have sought mortgage advice in Halifax after facing rejection from their banks. Common reasons for bank declines encompass factors such as not meeting eligibility criteria, failing affordability assessments, inability to secure an appointment, or insufficient lending amounts.
If any of these circumstances resonate with your situation, we strongly recommend reaching out to a proficient mortgage broker in Halifax, as they will diligently strive to help you.
The sooner you seek guidance from a mortgage broker in Halifax, the more advantageous your position will be when the time comes to identify the most favourable mortgage solution.
Mortgage advice in Halifax – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
Common mortgage questions
Our free consultation will most likely last around 30 mins. A dedicated mortgage advisor in Halifax can turn round an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking about three weeks on average.
A dedicated mortgage advisor in Halifax will carry out a Fact Find to work out what your personal needs are prior to recommending the most suitable mortgage for you. In order to get an Agreement in Principle, you’ll be required to have a credit check. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be formally issued a mortgage offer.
Your free mortgage consultation in Halifax with an advisor will last for roughly around 30 mins. Once this has been undertaken, they will then recommend a mortgage for you. You’re under no obligation to accept this and have the freedom to walk away still, should you feel that’s the better option.
To avoid being disappointed down the line, we suggest that you obtain an Agreement in Principle prior to property viewings in Halifax. You should obtain one no later than the point before you start making an offer in order to assist your bargaining position.
An Agreement in Principle will most likely last between 30 and 90 days depending on who you take one out with. If your Agreement in Principle expires, come back to us and we’ll get this refreshed for you.
If you are looking at some future financial planning or home renovation like debt consolidation or Home Improvements, you may be eligible for a second mortgage. It can be possible to take out a mortgage on a second property for your own use, for a family member, for a holiday home or even for a Buy to Let.
The minimum deposit required for a home buyer purchasing a house in Halifax with a High Street Lender is generally 5%. If you have had credit problems in the past, this may be higher.
If you have had a recent history of credit problems a mortgage may still be within reach, though you may possibly be required to put down a higher deposit than usual. We find that this figure is commonly around 15% of the property purchase price.
Once you have submitted at least one year’s accounts to the mortgage lender, you are eligible to get a mortgage. Most Lenders will use a calculation of your salary plus your dividend to determine the maximum mortgage amount you can take out, whereas others may go off your net profit.
It will typically be the last three payslips for employees to prove their income to the lender and the latest 2 years’ accounts if you’re a Self-Employed applicant. You will also need to provide your mortgage lender with some proof of ID, address and 3 months’ bank statements.
Handy quick links
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