Mortgage Types

LOCAL Mortgage Broker in Halifax & Surrounding Areas –
Mortgage Advice by Halifaxmoneyman

Here’s a list of services we can help you with:

  • First Time Buyer Mortgage Advice (help & support through every step of the way)
  • Moving House Mortgage Advice 
  • Having Problems Getting a Mortgage (bad credit/affordability/income structure or anything else)
  • Remortgage Options & Deals
  • Self Employed Mortgage Advice (company directors, partners, sole traders, contractors)
  • Buy to Let Mortgage & Remortgage Options
  • Help to Buy Mortgage Advice (all schemes – new build, forces etc)
  • Right to Buy Mortgages (buying your council house)

FIRST TIME BUYER MORTGAGE ADVICE

Are you a first-time buyer looking to get on to the property ladder? Are you buying your first home on your own, with a partner or friend? We offer First Time Buyer Mortgage Advice in Halifax.

We understand the daunting process of buying a property, especially when it’s your first! Having a professional on your side will be reassuring, we do more than just arrange your mortgage for you. If required, we can put your offer forward to the estate agent on your behalf, help with survey types and we can provide a competitive conveyancing quote with all as part of the service. We are here and ready to help you through every step of the way. We are able to recommend all mortgage types including fixed-rate mortgages, variable, tracker in order to find you the most suitable mortgage for your individual needs.

In some cases problems can arise long after your offer has been accepted, these times can be tricky and very stressful. We are able to use our knowledge, experience and local contacts to help resolve these issues and make the process as smooth and stress-free as possible.

MOVING HOME MORTGAGE ADVICE

It has been said that moving house is the third most stressful experience you will go through in life. Especially if you are selling your property and trying to complete your new purchase at the same time.

As your local Mortgage Broker in Halifax, our job is to take some of this stress away. If you haven’t moved house for a while the mortgage market may have significantly changed, we are here to help!

It is advisable that you see a Mortgage Broker prior to making an offer on a property to get a good idea of how much you can borrow and afford to repay. We will help you with the process every step of the way through to completion.

HAVING PROBLEMS GETTING A MORTGAGE?

Often we speak to customers who have tried to get a mortgage from their own bank but have been unsuccessful with their application or the bank are unable to lend the amount required. This can be down to credit scores, not meeting the bank’s criteria or affordability and sometimes simply not being able to get an appointment for several weeks.

This is where our experience and knowledge of lending criteria from a large number of mortgage lenders can help you. Too many credit searches can be harmful to your credit score and can impact on you getting a mortgage all-together! so it is important that you do not just keep going from lender to lender without knowing 100% their criteria. If this does happen then please get in touch to see if we can help as we have access to a number of specialist mortgage lenders.

REMORTGAGE ADVICE

There are lots of reasons why clients choose to remortgage, the two most common are to raise equity from their home or to secure a more competitive mortgage deal.  Whether you are simply looking to remortgage for a better deal, fix your rate, looking to add or remove a name from a mortgage, looking to raise additional money for those home improvements or anything else we are usually able to help.

With interest rates being very low there are some attractive deals out there at the moment. We are able to search 1000’s of remortgage deals from a large number of lenders in order to recommend the most suitable mortgage deal for you.

BUY TO LET MORTGAGE ADVICE

We are very experienced in the buy to let field and have many returning landlords. It is our job to stay up to date with the buy to let lending criteria and market/regulation changes so that we are able to recommend the most suitable buy to let product for you.

Whether you are looking at purchasing or remortgaging we are here to help you through every step of the way. We work closely with both new and existing landlords to help with the buy to let needs. LOCAL Mortgage Broker – Buy To Let Mortgage Advice in Halifax

SELF EMPLOYED MORTGAGE ADVICE

Here we believe that self-employed clients can get the short end of the stick when it comes to securing a mortgage deal. Without the experience of a mortgage broker on your side, like us, it may prove tricky!

We have lots of experience working with self-employed clients and helping them secure a mortgage. With a minimum of 1-year accounts, it may be possible to secure a mortgage deal. Self-employed Mortgage Advice in Halifax.

SPECIALIST MORTGAGES

Often, getting a mortgage is not always straightforward and can involve thinking outside the box – This is our job!

We are aware of all mortgage products and schemes that are available and will recommend the most suitable mortgage product for your individual needs.

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Open & Honest Mortgage Advice in Halifax

Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which 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.

The Financial Conduct Authority does not regulate most buy to let mortgages.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances, our typical fee is £599.

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