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 Rating388 Reviews
Oliver
Charlie was really helpful and informative throughout, always on hand to answer any questions or queries we had. Made the process really smooth as first time buyers.
2 days ago
Anonymous
Moneyman has helped me at a time where I felt I wouldn't be able to make any changes to my mortgage. This has had such a positive impact on my life, their honesty, knowledge and great communication throughout is something I have valued. I cannot...
3 days ago
Anonymous
Matt and his team have been extremely helpful throughout the process of obtaining a mortgage and throughout the process and always with a quick response and on hand to help
3 days ago
Annette
We would just like to thank Dan and Jonathan for all of the great support and help that we have received from this great team ,service was outstanding yours sincerely Billy and Anne.
1 week ago
Marc
Great through each step of the process! Wayne was very helpful and friendly - As my brother and I were first-time house buyers we didn't know anything about the process or what was required. However, Wayne and UK Moneyman were able to patiently help...
1 week ago
C
Very helpful, very friendly and very available. Leo and Lizzi are very quick to answer, and sometimes reply out of the usual NWD, which was really appreciated due to my hectic work schedule. They felt like a much needed ally for a First time buyer.
1 week ago
Jordan
Amazing service and great people! Made it easy for us as we were first time buyers, explaining the process step by step! Highly recommended
2 weeks ago
Mrs Carole
Really helpful and a good service, enabled me to achieve my goal.
3 weeks ago
Derek
Excellent service levels, advisor took trouble to establish my needs before suggesting the most appropriate products to meet them. Can’t recommend them highly enough.
3 weeks ago
Alex
Very quick and helpful service.
3 weeks ago
Sandra
Very helpful & knowledgeable.
3 weeks ago
Michael
Excellant service from start to finish ( and afterwards). An efficient, professional company that will not fail
3 weeks ago
Anonymous
Excellent process with help from Wayne Dewsbury and team. Highly recommend, thank you.
4 weeks ago
Ellie
I ended up needing to buy my first home in rather a hurry due to unseen circumstances and was in over my head with no idea what steps I needed to take. I fumbled around for a while looking at mortgage advisors, getting calls off many of them who...
1 month ago
Michael
Had a great experience with UK Moneyman, cannot fault their service!
5 days ago
James
Brilliant service, would recommend UK Moneyman!
5 days ago
Josh
I have been very happy with the Moneyman process throughout, from the initial conversation covering what to expect, to the hassle free administration of getting my mortgage in motion.
1 month ago
Anonymous
Excellent service!
6 days ago
John
A good service
1 month ago
Louise
I would not use anyone else’s this company from start to finish go above and beyond in all they do would definitely recommend them to anyone Leo is amazing and I will definitely be getting my daughter to go for her mortgage with these guys as I...
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.
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