Read our 308 Reviews
As a Mortgage Broker in Halifax, one of the best things about our job is helping our customers to get their mortgage application back on track. All we want is for you to get your mortgage accepted and receive your keys for your new dream home in Halifax. Whether you are a First Time Buyer or Home Mover, we know that the mortgage process can be stressful and daunting and that’s exactly why we want to offer a helping hand.
We do pride ourselves on providing a highly responsive service, communication is everything in this job. We work from a large panel of well-known high street banks and building Societies to ensure our clients get the best deal available to them but we also work with smaller, more specialist Lenders too for when we come across clients who don’t “tick all the boxes”.
4.97 Rating308 Reviews
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.
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...
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...
They made it a very simple process. Can’t recommend highly enough.
Extremely efficient and have made the whole process a lot easier than I imagined.
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...
Extremely efficient and helpful.
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...
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...
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...
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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...
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
Excellent speedy service and always available to work around the best times for us, including calls at weekends
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
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...
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
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!!
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...
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.
Our Managing Director Malcolm founded the company with his wife Amy in 2009. He still loves seeing customers to this day and he eats, sleeps and breathes Mortgages!
His real passion is to help customers get the best mortgage deal available to them and guiding First Time Buyers safely through the daunting process of getting onto the property ladder.
His most embarrassing moment came some years ago when he accidentally got locked in a customer's bathroom - don't ask!