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 Rating308 Reviews
Anonymous
The team are very clear and informative giving us the help we needed as first time buyers. We had regular and prompt updates on the whole process and great communication from Tom and Meghan.
2 days ago
Alex
Uk money have again gone above and beyond. We have had a difficult mortgage application on an 2nd property this time and they have been there every step of the way! This is the 3rd time over the years they have been there for us! It’s a shame...
1 week ago
Rachel
I have used UK money man a couple of times now and I can’t recommend them enough! Brilliant service, quick responses and always keep you updated. They make something which is quite stressful much easier and relax and talk you through every step of...
1 week ago
Charles
They made it a very simple process. Can’t recommend highly enough.
1 week ago
Tom
Extremely efficient and have made the whole process a lot easier than I imagined.
4 weeks ago
Rebekka
The whole team have been great and supported us through a tricky application in a tough climate. Our personal handler Tom maintained comms with us throughout add was always willing to help and answer any questions we had. We would recommend using...
1 month ago
Paul
Extremely efficient and helpful.
3 months ago
Gill
I have nothing but praise for the help given by our financial advisor, Dan. He was incredibly knowledgeable and sensitive to our needs. He gave us a lot of different options and we are considering our next move and will be in touch when we are ready...
3 months ago
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...
3 months 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...
3 months ago
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
5 months 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...
5 months 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.
5 months ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
6 months ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
6 months ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
6 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...
6 months ago
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
6 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!!
6 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...
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.
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