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 Rating300 Reviews
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...
1 day 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...
1 week ago
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
1 month ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
1 month ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
1 month ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
2 months ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
2 months ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
2 months ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
2 months ago
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
2 months ago
John
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
3 months ago
Antonia
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
3 months ago
Babak
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
3 months ago
Alistair
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
4 months ago
Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
4 months ago
Sarah
Fantastic service from Tom Bowes
4 months ago
Brooke
Excellent service, great communication & highly professional
4 months ago
Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...
4 months ago
Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
5 months ago
Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and professional manner....
6 months ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Halifax | Mortgage Advice in Halifax
Welcome to our website Halifaxmoneyman.com. We are a Mortgage Broker in Halifax who can deliver fantastic customer service for Halifax & surrounding areas, and we aim to help you with a new or existing mortgage. Malcolm and his trusted team of Mortgage Advisors are available seven days a week. Ready to recommend you the best deal is offering open and Honest Mortgage Advice in Halifax.
We have an admirable reputation and years of experience combined within our team of Mortgage Advisors. We can provide Mortgage Advice in Halifax to first-time buyers and existing homeowners.
Responsive Mortgage Advice in Halifax
Being a stand-alone Mortgage Advisor in Halifax, we work alongside a large panel of lenders. Whether you are buying for the first time or an existing homeowner looking to remortgage and capital raise, we will hold your hand throughout the whole process. Also, we will search thousands of mortgage deals on your behalf and recommend the best one for you.
We are leading you to save both your time and your money. You are welcome to read our genuine reviews from our customers. We pride ourselves in providing responsive service for all new or existing customers.
By Your Side Throughout The Process | Mortgage Broker in Halifax
Our team understands that getting a mortgage isn’t always easy, we will be by your side throughout your home buying or remortgaging process answering any questions you may have. We hope that you will find us incredibly helpful, adaptable, and flexible.
Carrying out your mortgage appointment after work is never a problem. Rest assured of receiving professional open & honest Mortgage Advice in Halifax. Referrals are the key to our success; therefore, customer satisfaction remains at the heart of our business.
Our Mortgage Advisors are Available 7 days a week!
Mortgage Advisors stationed in a Bank are only able to offer products from one Lender. Therefore, you are not shopping, and maybe even overpaying. Your committed Mortgage Broker in Halifax can search 1000’s of products from a massive number of mortgage deals. Both from the high street and Specialist mortgage lenders.
Bear in mind that getting an appointment with your bank can be hard, especially fitting they are around your work and family life. If you are actively searching for properties or are ready to make an offer, this proves frustrating and could extend your process.
It is also a good idea to seek advice from a Mortgage Broker in Halifax who not tied to a Bank. Here, you will receive a more transparent recommendation and mortgage advice tailor-made for you. You are potentially saving yourself lots of time and money down the line.
Overcoming Mortgage hurdles together
Often, getting a new mortgage can be tricky, and it can be hard to get things in the right order. Having a reputable Mortgage Advisor in Halifax on your side will prove beneficial. Common hurdles that we help our customers overcome include low credit score, being Self-Employed, outside of criteria, low borrowing capacity, and there are many more. Being an experienced Mortgage Broker in Halifax, we can usually help.
Our Mortgage Advisors in Halifax have worked with many customers in all situations. We are using our in-depth knowledge of lending criteria and experience providing expert Mortgage Advice in Halifax.
Free appointment | Mortgage Advisor in Halifax
Being a trusted and well-established Mortgage Broker in Halifax, we offer all our new and existing customers a free mortgage appointment.
Here, your Mortgage Advisor in Halifax, will listen to your situation and find out what you are looking to do. Our customers are our priority, and as a trusted Mortgage Broker in Halifax, we will recommend the best deal tailored to you and ease the pressure throughout the entire purchase.
As a result, if you decide to use our Mortgage Advice in Halifax service, you will receive your dedicated Case Handler. Both your case handler and your Mortgage Advisor in Halifax will be on hand to answer all your questions and help.
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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