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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 Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01422 887197.

Malcoms Image

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 Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.97 Rating318 Reviews

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:

First Time Buyer Mortgage Advice Halifax

Our Mortgage Advisors in Halifax are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home. We know that it can be hard getting up the property ladder, that's why we want to offer a helping hand.

Moving Home Mortgage Advice Halifax

Simply, wanting Mortgage Advice in Halifax, such as knowing how much you can borrow on a new mortgage, what happens to your old one and how much this will cost? Speak to a Moving Home Mortgage Advisor in Halifax today for a free appointment..

Remortgage Advice Halifax

As a Mortgage Broker in Halifax, we try to find you a perfect deal to match your individual circumstances. We can help you if you want to to reduce or extend your mortgage term, add or remove a name, and even help you raise money on your home.

We search 1000's of mortgage deals across a large number of lenders, including:

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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.

Halifaxmoneyman.com & Halifaxmoneyman 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, 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
www.financial-ombudsman.org.uk

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