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
4.97 Rating501 Reviews
Anonymous
Very understanding with a great knowledge of the market and all your options. Patient, helpful and friendly. I am so glad I chose to talk to UK Moneymen, made my life so much more comfortable.
29 minutes ago
Carol
Both Dan and Johnathon have been excellent. Explaining everything along the way . Been good support.
23 hours ago
Anonymous
They were very good dealt with things easily and professionally.
1 day ago
Anonymous
We have used UK Moneyman twice now and both times our mortgage was secured with ease. Malcolm and his team were very efficient and helped me secure my mortgage despite being self-employed. I would recommend UK Moneyman to anyone
2 days ago
Dr Noe
Great service, I bought my first home and Malcolm and Paula helped me with all the steps including choosing the solicitor. I got the mortgage easily and it was a nice experience.
3 days ago
S.
excellent service
1 week ago
Anonymous
I felt very supported throughout the mortgage application process. I had regular updates which put me at ease and made one part of the move stress free.
1 week ago
Shannon
Matt has been great! Would recommend him to everyone. The whole process has been smooth and easy!
1 week ago
Kevin
Very knowledgeable, and always available to help and reassure you through the mortgage process.
2 weeks ago
Kainaat
No words or gratitude could be enough to express the appreciation and gratefulness I feel towards Stacey and Matt. They have supported and helped me through the most challenging time of my life, and managed to get me a mortgage considering I was...
2 weeks ago
Laura
Great service and kept well informed
2 weeks ago
Ingrid
Fantastic team of professionals. Special acknowledgement to Dan whose expertise is second to none. Would highly recommend this Company.
2 weeks ago
Glen
Wayne, Lizzi and the team were fantastic throughout the whole process of me buying on my own for the first time. They took the time to help explain everything in detail, and bared with me whilst they gave me house buying for dummies 101! Every...
2 weeks ago
Anonymous
Simple, thorough, friendly, efficient. I don’t need anything more!
1 month ago
Anonymous
We received excellent advice. Anything we didn't understand was explained in detail. We were dealt with promptly and professionally. We would have no hesitation in recommending UK Moneyman.
1 month ago
Jake
Fantastic service & great value for money. Save yourself the stress and get these guys to help!
1 month ago
Mr Dmitrii
We just wanted to take a moment to express our sincere gratitude for all your hard work and dedication in securing our mortgage. Your expertise, patience, and clear communication made the entire process so much smoother and far less stressful than...
1 month ago
Barrie
With you every step of way, return every call you make, great service 10 out of 10.
1 month ago
Ms Charlotte
I cannot recommend Charlie Bryson highly enough. He is extremely knowledgeable, responsive, reliable and went the extra mile to find a solution for me. He also made the whole process easy and enjoyable. Amy, my case manager, was efficient and took...
1 month ago
Anonymous
Great communication very helpful highly recommended
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 501 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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