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Fast & Friendly Mortgage Advice in Halifax

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

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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.

For your FREE mortgage consultation call 01422 887197 or Book an appointment online.

Book Online

For your FREE mortgage consultation call 01422 887197 or Book an appointment online.

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.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

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 here on our reviews page. We pride ourselves in providing responsive service for all new or existing customers.

We work for you | Mortgage Broker in Halifax

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.

Our Mortgage Advisors Are Available Every Day from 8am-10pm, 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 consultation | 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 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.

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 consultation.

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 an hour. 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 one hour. 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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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