Speak to an Advisor 7 days, 8am - 10pm
Speak to an Advisor 7 days, 8am - 10pm
& Surrounding Areas
Speak with a mortgage advisor 7 days a week, 8am - 10pm
01422 887197Speak to an Advisor
& Surrounding Areas
Speak with a mortgage advisor 7 days a week, 8am - 10pm
Enquire Online 01422 887197
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 initial 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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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 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 Customers Love Us
4.98 Rating605 Reviews
Anonymous
Friendly and helpful team that delivered an excellent service to us. They processed everything efficiently and they were very easy to work with. Would definitely recommend them ( have five already as a matter of fact!). Thank you
1 day ago
Charlotte
Brilliant service ⭐️⭐️⭐️⭐️⭐️
1 day ago
Louise
Jason has been very helpful with us remortgaging to final staircase. Jason has kept us updated and has answered any questions asked and has looked in to all options we have asked. Very happy. Lizzy communicated with us for the mortgage application...
1 day ago
Anonymous
Had a great experience with Matt Collinson. He listened to our needs and went above and beyond to find us the right mortgage and stuck with us after our first offer fell through. Thank you Matt!
6 days ago
Henry
Tom Bowes of UK Moneyman was really excellent: he provided really detailed and useful advice on all the questiions we asked and quickly and conveniently found us a mortgage product that worked for us.
1 week ago
Michelle
UK Moneyman have been fantastic with guiding us through the process of obtaining a mortgage in our 50’s when we thought it might not be possible. They have been excellent with every aspect from mortgage, health and buildings insurance. Their...
2 weeks ago
Alison
I had a unique situation and needed a mortgage. UK Moneyman's mortgage specialists provided an exceptional service. They have been extremely professional, knowlegable and patient in explaining everything to me in detai and in helping me find a...
2 weeks ago
Mr Thomas
Very helpful and everything done swiftly, would highly reccommend
2 weeks ago
Michelle
Highly recommend, everything has been sorted for our new house with professionalism, good advice and honesty. They have made the process of buying our forever home a pleasure
2 weeks ago
Michelle
Leo has been amazing from start to finish. He has got me a great deal and even kept me informed if rates changed and became better for me. Would highly recommend Leo and UK Moneyman.
3 weeks ago
Mrs Diane
Everyone has been extremely helpful & guided us in the right direction towards what we were wanting very professional & nothing was too much trouble
3 weeks ago
Mrs Suzanne
This team of people were amazing , advised and helped in every way they could. With a great result at the end .
4 weeks ago
Elizabeth
We had a fairly traumatic experience with our recent move, but Dan and Jonathan at UK Moneyman were there to help us at every step of the way. Their advice and assistance was first class and we would highly recommend them.
1 month ago
Robert
Comprehensive fuss free mortgage advice Very good communications throughout process
1 month ago
Mr Jeffrey
Absolutely great service from start to finish. Dan was amazing and everyone we spoke to after him. Couldn't be happier
1 month ago
Andrew
Fast and professional, what more needs to be said.
1 month ago
Ian
A very helpful team, excellent advice and support throughout the whole process. They enabled me to get a mortgage when i thought it wasnt possible! I highly recommend Dan and Johnathan!
1 month ago
Jeffrey
very helpful and kept on top of the whole process
1 month ago
Anonymous
Very happy I chose UK Moneyman for their mortgage advice and support in securing a mortgage offer as a first-time buyer. Charlie was my main contact and was incredibly helpful, friendly, and always quick to answer any questions. Catherine was also...
1 month ago
Ms Jane
Friendly, knowledgable advice. Evening and weekend appointments available. Reassuring and experienced,
1 month ago
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 initial 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 initial 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
Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
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, you can view your rights below:
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2025.
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Halifaxmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Halifaxmoneyman 2025.
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