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 Rating347 Reviews
Anita
Excellent service and the advice and help we've received was also.
3 days ago
Giovanni
Amazing service . 1st class and beyond . Thanks to Matt and Lizzie for navigating me through a quite complex application to achieve desired outcome
4 days ago
Claire
We would use UK Moneyman again, very good with communication and would recommend them to family and friends. They managed to get us a mortgage offer even though we had more 'complex' circumstances than the average lender. Very happy.
1 week ago
Katerina
Very helpful, kept me informed and no ‘hard sell’.
1 week ago
Mrs Angela
Very pleased with the service Matt came back with a offer the following day made it a easy process for me
2 weeks ago
Abby
Amazing service! Helpful advice and support from a brilliant team - always provided thorough and timely support and answers to any and all queries around property purchasing process via phone calls, messaging and e mail. Cannot recommend their...
3 weeks ago
Rachel
Excellent service!! Would definitely use again, the whole process has been stress free. Thank you!
3 weeks ago
Jessica
Made us feel so at ease throughout this process and kept me informed and updated during the mortgage application. From start to finish, our options were laid out and Jason always found the best options to suit us and ensured that the product would...
3 weeks ago
Peter
Fantastic service from Matt Collinson and Amy kerwick could not rate the service I received highly enough
4 weeks ago
Nathan
Tom and Paula was brilliant at arrange a new moetgage for me. 5 stars
4 weeks ago
Anonymous
Very happy with the service I received. The advice was thorough and comprehensive, all my questions were answered. Everything went through to completion very quickly. Would definitely use again and recommend.
1 month ago
Anonymous
Cannot recommend them high enough. Dan was excellent and took time to explain the full process. Will use again in the future. Many thanks.
1 month ago
Miss
Dinah has been nothing but incredible! I am so glad that I stumbled across UK Moneyman and that Dinah became our desginated Mortgage Advisor. Her expertise are second to none, she is unbelievably efficient and always keeps to her words. Every...
1 month ago
Anonymous
Speedy process, took the stress out of searching for mortgages - highly recommended!
1 month ago
Ann
Excellent help and advice. No jargon Easy to understand information. Very friendly and understanding when asked multiple questions. Made the mortgage process almost painless. Highly recommended.
1 month ago
Miss
Leo was fantastic! He was helpful, honest and nothing was too much trouble. The process was simple and the admin team keep you updated throughout. Can’t recommend them enough. Please ask for Leo!!!!
1 month ago
Nastaran
Leo was helpful beyond words. He was so patient, and stayed with me through the panics, the doubts and even a couple of times of me giving up when all else fails! No single question was too big or trivial for him, and he explained everything with...
2 months ago
Rachael
Quick efficient service, sort everything out for you takes all of the stress out of finding your financial services. Would certainly recommend
2 months ago
Anonymous
I have used UK Moneyman twice, once for a regular mortgage and second for a buy to let. Wayne is extremely knowledgeable and supportive through the whole process. He’s personable and takes the time to really understand your needs and get the...
2 months ago
Bano
A MUST HAVE! As a first time buyer you see so much online and you do not know what to believe but the way Malcolm and Meghan have attend to our every question, gone above and beyond for us I will be eternally grateful. We could not give this service...
2 months 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 347 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: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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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: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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