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.
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 here on our reviews page. We pride ourselves in providing responsive service for all new or existing customers.
We will be by your side throughout your home buying or remortgaging process. We hope that you will find us incredibly helpful, adaptable, and flexible. We work independently to Estate Agents, meaning that we have your sole interests at heart. We are genuinely on your side!
Carrying out your mortgage consultation 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.
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.
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.
Being a trusted and well-established Mortgage Broker in Halifax, we offer all our new and existing customers a free mortgage consultation.
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.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.
As your mortgage broker in Halifax, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
Your free mortgage consultation in Halifax will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Halifax. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit when purchasing a house in Halifax with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.