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Specialist Mortgage Advice in Halifax

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Declined by the Bank? We Might be Able to Help!

Not everyone’s mortgage situation is straight forward we have faced a mortgage that involves a complicated situation which needs expert mortgage advice from a Mortgage Broker in Halifax like us.

 

Having experienced Mortgage Advisors in Halifax, we work with lots of mortgage lenders that specialise in different areas. We passionately believe that our 5-star mortgage broker services will prove highly beneficial for you if you are in a complicated situation, we have and always put our new or existing customers first.

 

It is quite likely that if you keep trying lots of lenders yourself without knowing their lending criteria inside out that could hurt your credit score and could impact on you getting a mortgage altogether.

 

We have in-depth knowledge and experience when it comes to complex situations and lenders criteria. We are aware of all the mortgage schemes and products available and will be happy to discuss your options with you.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 007

Specialist Mortgage Advice in Halifax

  • Sale under value mortgages
  • Buy to Let Ltd company (SPV’s) mortgages
  • Divorce / marital split mortgage advice
  • Government Help to Buy mortgage schemes
  • Forces Help to Buy scheme
  • Adverse credit / bad credit & DMP’s
  • Shared ownership mortgages
  • Professional mortgages
  • Second-home mortgages
  • Right to Buy mortgages
  • Non-standard construction property mortgages
  • Mortgages past retirement date
  • Offset mortgages
  • Anything else?

This is not a comprehensive list so if your situations is not listed above then please get in touch and we will be happy to help.

 

Contact us to book your free specialist mortgage consultation

In need of a Specialist Mortgage Advisor in Halifax?

  • We’re open and honest with our customers.
  • Also, we offer our customers a free mortgage consultation.
  • Our Mortgage Advisors in Halifax are fully equipped and able to handle complicated situations on a regular basis.
  • We have special connections with specialist mortgage lenders to find you the best deal.
  • We know our criteria and very experienced in mortgages.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.

 

As your Mortgage Advisor in Halifax, we are here to help you.  Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Our free consultation will most likely last around an hour. 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 one hour. 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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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in Lincoln!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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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 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.

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