It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Last-minute rejections from banks in the midst of the mortgage application process are a common concern for many customers.
As a mortgage broker in Halifax, we emphasize the importance of early issue identification by banks to prevent financial losses, stress, and frustration for customers.
Errors made by bank mortgage advisors can be detrimental, underlining the significance of understanding mortgage criteria before initiating the process.
Our expert mortgage advisors in Halifax excel in managing complex situations. Book your free mortgage appointment to discuss your situation and explore potential solutions. Give us a call, and we’ll gladly assist you.
Securing a mortgage is typically straightforward for individuals with a good credit history and necessary documentation. However, specific circumstances may arise for some homebuyers that necessitate the expertise of a Halifax mortgage broker.
Our committed team of mortgage advisors in Halifax takes the time to comprehend your goals and endeavors to pinpoint the most suitable mortgage deal tailored to your specific circumstances.
Partnering with a diverse array of lenders offering specialized deals, our goal is to deliver expert mortgage advice in Halifax and identify the most fitting mortgage deal for your current situation.
We go the extra mile, working diligently to meet your unique needs.
What constitutes bad credit for a mortgage depends on individual lenders’ criteria. Generally, factors such as a low credit score, late payments, defaults, or previous bankruptcy can contribute to bad credit. Lenders in Halifax may have varying thresholds for what they consider acceptable, so it’s advisable to consult with a mortgage advisor in Halifax to assess your specific situation.
Removing a County Court Judgment (CCJ) from your credit file in Halifax can be challenging, as it typically remains on the file for six years. However, if the CCJ is paid within 30 days, you can request its removal, and if successful, it won’t appear on your credit file. Otherwise, after six years, it should automatically be removed.
If you’re dealing with bad credit or unique financial situations in Halifax, a specialist mortgage advisor could be beneficial. They can provide tailored advice, explore options with lenders who may consider your circumstances, and help you navigate the complexities of obtaining a mortgage with less-than-ideal credit.
Our Customers Love Us
4.98 Rating523 Reviews
Hamza
excellent service
12 hours ago
Dr Christopher
Extremely helpful and efficient. The staff involved made every step clear
1 day ago
Anonymous
Excellent advice, help and admin from the people at Moneyman, hightly recommended.
2 days ago
Anonymous
Moneyman service was fantastic start to finish very fast friendly service definitely recommend to others
4 days ago
Daryl
I recently took out a mortgage with UkMoneyMan, and I cannot speak highly enough about my experience, especially working with my advisor, Dinah Harros. From start to finish, Dinah went above and beyond to ensure that the process was smooth,...
5 days ago
Opeyemi
Working with UK Moneyman, specifically with Malcolm, was an excellent experience from start to finish. Malcolm and the team were incredibly helpful and patient throughout our unique mortgage process. Malcolm's extensive knowledge and expertise were...
5 days ago
Alison
Fantastic. Flexible meetings. Responsive. Explained everything and was super efficient. Very pleased with the service.
1 week ago
May
I am so grateful to malcolm and jo for assisting me start from beginning until securing my mortgage. They are always quick to respond and very professional. I recommend their service 100% ti anyone. Thank you very much
1 week ago
Mr Ryan
Chris was brilliant through the whole process. Nothing was too much trouble and there were a few obstacles to overcome to say the least. Once the case was passed over to Catherine she was equally as good and very efficient. I would highly recommend...
1 week ago
Anonymous
Very happy with the service that was provided was always there to help me along the way couldn’t be happier
1 week ago
Paul
Money man were very helpful and personal in their service to us in finding us a mortgage. Everyone we spoke to were polite and were very helpful.
1 week ago
Thomas
Second time using Leo at UK Moneyman - incredibly helpful again!! Thanks
3 weeks ago
Anonymous
We were looking to purchase our home that we currently rent and as first time buyers were unsure of the procedures. Jason Loft handled our application and he was extremely thorough and informative and put us at ease immediately, determined to get us...
3 weeks ago
Anonymous
Very helpful
3 weeks ago
Mrs Samantha
Money man service was very professional and efficient. We called for advise on a remotgae and got provided with a great service and a relly quick remotgae process. I would highly recommend.
3 weeks ago
Craig
The support throughout by Jason, Jo and Kerry was outstanding throughout our remortgage application. Highly recommended!
3 weeks ago
Susan
Excellent service.Consistant all the way through my business.Highly recommended.
4 weeks ago
Karl
Airways really helpful. Choose Moneyman because our previous mortgage advisor was not providing us with sufficient advice or guidance based on our situation. Moneyman made it a really smooth process!
4 weeks ago
John
Connor & Stacey were so helpful with our whole mortgage application from start to finish. Their attention to detail really helped us get the house we wanted in a timely manner. Would 100% recommend.
1 month ago
Liam
Would like to thank Wayne and Paula for their help in acquiring our first mortgage. The process was made so simple and straight forward by them both and they had it turned round super fast. Would highly recommend the company and also Wayne and Paula...
1 month ago
During your free complimentary mortgage appointment with a mortgage advisor in Halifax, your financial details will be thoroughly trailored to ascertain your maximum affordability.
Despite potential constraints, we explore a multitude of deals, considering up to 1000#s of deals to pinpoint the most suitable solution for you.
After 24 hours your initial appointment, we move on to securing an agreement in principle, a valuable document supporting any purchase offers you choose to make.
Upon acceptance of a purchase offer, your dedicated mortgage advisor in Halifax will progress to submit your complete mortgage application along with the necessary supporting documents.
Our commitment extends beyond securing the optimal deal. We provide guidance on pertinent insurance policies to ensure comprehensive financial protection for you and your family.
Contact us now and book your free initial mortgage consultation with an experienced mortgage advisor in Halifax.
Our extensive panel of specialist deals grants us access to a diverse range of mortgage options. Each lender has distinct criteria, and we strive to find the most suitable deal tailored to your needs.
Throughout your mortgage journey, we consider you our priority, ensuring your best interests are always at the forefront. Our mortgage advice team is committed to providing transparent and honest advice in Halifax, accompanying you through every phase of the mortgage process.
Experience the advantages during your free initial mortgage appointment, available 7 days a week. This allows us to gain a comprehensive understanding of your situation and explore how we can help you in achieving your mortgage objectives.
A property down valuation occurs when the assessed value of a property is lower than expected. This may affect the mortgage amount a lender is willing to offer, requiring additional funds from the buyer or renegotiation of the property price.
Divorce or separation can impact mortgage arrangements. Seeking advice is crucial to understand options such as refinancing, selling, or removing a party from the mortgage, ensuring a smooth financial transition.
Removing a person from a mortgage involves a complex process, often requiring lender approval. It may involve refinancing, demonstrating sole affordability, or selling the property. Professional advice is recommended.
While married applicants often apply jointly, single-name mortgages for married individuals are possible. Lenders assess income, credit, and individual financial situations, allowing for flexibility in mortgage arrangements.
Shared ownership allows buyers to purchase a portion of a property and pay rent on the remaining share. It’s a cost-effective way to enter the property market, with options to increase ownership over time.
Professional mortgages cater to individuals with specific professions, offering tailored terms and rates. These may include doctors, lawyers, and other high-earning professionals.
Second home mortgages are for purchasing additional properties, such as vacation homes. Lenders assess affordability, considering existing mortgage commitments.
Holiday home or let mortgages are tailored for properties used for vacations or rental purposes. Lenders evaluate the property’s income-generating potential.
New build mortgages fund the purchase of recently constructed properties. Lenders may offer special terms and incentives for new builds.
Non-standard construction property mortgages apply to homes with unconventional building materials. Lenders assess risk and may offer specific terms.
These mortgages cater to multiple applicants or properties with multiple occupants. Lenders evaluate shared financial responsibilities and property usage.
Mortgages past retirement date or lifetime mortgages extend beyond traditional retirement ages. These options consider income, equity release, or lifetime mortgage products.
Offset mortgages link savings to the mortgage, reducing interest payable. Interest is calculated on the mortgage balance minus linked savings, potentially saving on overall interest costs.
Read our 523 Reviews
Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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