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UK Moneyman Mortgage Broker UK - M Shape

A Mortgage Broker
You Can Trust!

Speak With a Mortgage Advisor - It's Free!
8am - 10pm, 7 Days a Week

0800 029 3757 Speak to an Advisor - It's Free!

A Mortgage Broker
You Can Trust!

Speak With a Mortgage Advisor - It's Free!
8am - 10pm, 7 Days a Week

0800 029 3757Speak to an Advisor - It's Free!
Free Mortgage Appointment Mortgage Advice Appointment Flexible Mortgage Consultation Mortgage Consultation Free Consultation

1. Speak with a Mortgage Advisor – It's Free!

7 days - Evenings & weekends, we offer flexible mortgage advice, working around you and will be there when you need us.

Speak with an experienced mortgage broker today to run through your options and answer all your questions.

We Search Thousands of Deals Trusted Mortgage Broker Find The Best Mortgage Mortgage Advisor Thousands of Deals Saving Time and Money
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2. We Search 1,000's of Mortgage Deals

As a trusted mortgage broker, we’ll shop around to find you the best mortgage.

Your mortgage advisor will search through 1,000's of mortgage products to find you the best deal for your individual circumstances. Saving you both time and money.

Mortgage Offered Purchase or Remortgage Advice Mortage Advice for Purchase or Remortgage

3. Dedicated Case Manager

A dedicated case manager will be your point of contact and will progress your mortgage application through to completion.

Your dedicated case manager will progress your application, taking care of everything and overcoming any hurdles we meet along the way.

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Nothing left to do but complete your purchase or remortgage.

Once you have received your formal mortgage offer it is back to your conveyancer for completion of your purchase or remortgage.

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Frequently Asked Questions

What is a mortgage broker?

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A mortgage brokers responsibility is to help clients find the best mortgage deal for them based on their individual situation.  A mortgage broker, also known as a mortgage advisor, can search thousands of deals to save their clients time and money.  

The mortgage broker role acts as a bridge of experience and knowledge between borrowers and mortgage lenders.   A mortgage broker will also offer guidance and support throughout the whole purchase or remortgage process and help clients overcome any hurdles that they face along the way such as with surveys, legal reports, valuations, etc.  

Getting a mortgage isn’t easy and by having a mortgage broker by your side throughout the whole journey can prove invaluable.  

As a trusted mortgage broker, we’ll look at your financial situation, compare your mortgage options, use our knowledge to navigate through lender criteria, and guide you through the application process, all whilst finding the best deal.

Read our article “What is a mortgage broker?” to learn more or head on over to our About Us page, to learn more about us.

Why should I use a mortgage broker?

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The main advantage of using a mortgage broker is that you’ll be in for a smooth ride.   It’s not easy getting a mortgage approved and offered and the journey can prove stressful and time consuming without a mortgage broker on your side.

Your mortgage broker will be experienced in dealing with all client situations and will have vast knowledge of lending criteria.  Your mortgage broker will aim to get your mortgage application with the most suitable lender for your personal situation right first time!

Often, the interest rates advertised on price comparison sites and social media are only used as sales tools and are not readily available when customers come to apply.

Our mortgage brokers work hard to save you time and effort by handling paperwork, negotiations, and communication with lenders on your behalf. At UK Moneyman, we offer expert mortgage advice, ensuring you make informed decisions and choose a mortgage that aligns with your financial goals and circumstances. 

What lenders do mortgage brokers work with?

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A mortgage broker can access all mortgage lenders’ products in the marketplace to get you the best deal with the most suitable lender.  

There are lots of factors to consider when placing a deal with a mortgage lender such as service level speed, interest rates, and lending criteria.   

Is a mortgage broker and a mortgage advisor the same thing?

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Yes, a mortgage broker and mortgage advisor are the same thing in a company like ours.  Our company is classed as a mortgage broker, and our advisor’s job titles are mortgage and protection advisors.  

Where this won’t be the case is in a bank or company that can only offer mortgage deals from their own range and aren’t able to shop around to find you the best deal. 

How long does it take to get a mortgage?

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It takes on average 1-21 days to be approved for a new mortgage, usually by this time, 99% of our clients have received their mortgage offer document. A mortgage offer is valid for around 6 months which will give time for your conveyancing process to be completed.  

Approval will usually be more streamlined and quicker using a mortgage advice service via a broker due to their expertise and having a dedicated case manager by your side chasing it up and connecting the services.  

The length of time it takes to get your mortgage approved will be influenced by the complexity of your financial situation, for example, your credit score, your income mix, how big your deposit it and if there are any valuation or survey problems to overcome.  

You can help your mortgage advisor and case manager get your offer faster by being quick to reply to any emails and provide any documents that are required along the way such as your ID, bank statements and proof of earnings.  

Look at our article “How long does mortgage approval take?” to learn more about this topic. 

What do mortgage advisors do?

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Mortgage advisors, often called mortgage brokers, save you both time and money by getting you the best deal and remove the stress throughout the process by dealing with your lender on your behalf.  

Mortgage advisors provide valuable guidance and support throughout your entire mortgage process. Our mortgage advisors at UK Moneyman will assess your financial situation, review your borrowing capacity, and recommend suitable mortgage options based on your needs. We are here to help with the application process, gather necessary documents, and liaise with mortgage lenders on your behalf. 

Mortgage advisors have access to exclusive deals that will not be available to you directly and have the experience and knowledge to place your application with the lender most suitable for your situation, usually resulting in a quicker mortgage offer document.  

Our mortgage advisors offer expert advice on different products, interest rates, and repayment terms, ensuring you understand the implications of your mortgage choices. They will also look to recommend appropriate insurance to help protect you and your family’s financial future. Their goal is to help you secure the most suitable mortgage deal tailored to your individual circumstances.

Take a read of our article “What does a mortgage broker do?” to learn more. 

Can a mortgage advisor help me find the best mortgage rate?

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A mortgage advisor will help you find the best mortgage deal for your personal situation.  Often, the headline rates that you see advertised online and on social media will not be available to most customers due to loan-to-value ratio and lending criteria. 

Our mortgage advisor team will shop around thousands of deals on your behalf, saving you both time and money and will recommend the best deal for you.  

Often, mortgage advisors can access exclusive deals that are only available via intermediaries also. It’s always worth speaking with a mortgage advisor to get a free quotation.  

Mortgage rates change daily therefore if you’ve got an older quotation, it’s always best to get this updated when you’re ready to proceed.  Our mortgage advisors have some brilliant intermediary only software that will search both criteria and rates to get you the best deal available.  

Also, factors such as employment type, the amount of deposit you’re putting down and credit history will influence the mortgage rate you pay. 

What happens when my fixed rate mortgage ends?

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At the end of your fixed rate mortgage deal, if you’ve taken no action, you’ll be placed on to your lenders standard variable rate (SVR).   

As part of our mortgage advice service, we contact our clients from 6 months before their mortgage deals ends to secure a new rate.  By locking in a rate 6 months before, our clients have peace of mind that they are protected against any future interest rate increases. 

Our clients will get a second roll of the dice as most lenders will allow you to switch to a better rate if rates have reduced in the 6 months running up to your end date.  

Your mortgage advisor will consider your further advance mortgage deals that are available with your current lender and compare these with a remortgage to a new lender.   

As your fixed rate is ending and before you secure into a new mortgage deal it’s a good idea to consider your plans, for example, is your property the right size, are you looking to release any equity for home improvements etc.  Your mortgage advisor can help you here.  

With your fixed mortgage rate ending, you may have options to consider such as changing the term of your mortgage, adding or removing a name, making overpayments etc.   Our mortgage advisor team will be able to help here should there be anything you’d like to discuss.  

Learn more about mortgage rates on our YouTube Channel using the button below, to keep up to date with the latest market updates.

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What information do I need to provide to a mortgage broker?

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During a quick conversation, just basic details such as income and employment is fine and what you are looking to do.  Your mortgage broker will be able to answer your questions and give you a rough idea of how much you can borrow and how much it will cost.  

To proceed with an application, your mortgage broker will need to ask you certain questions to complete their ‘know your customer’ fact find.  Information such as address history, work situation, how many children you have and your objectives/plans with the new property will be discussed.  

Documents such as ID, 3 months bank statements and proof of earnings will also be requested to evidence your situation and you’ll need to pass a credit check with your new mortgage lender. 

What happens if my mortgage application is declined?

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Speak to a trusted mortgage broker! Many of the clients that approach us have already tried something first, whether this be online or with their bank and have hit a problem along the way, even after a mortgage offer has been issued.   

Getting a mortgage isn’t easy and it’s not all about applying for the lowest rate you see.  Opting for mortgage advice, you’ll benefit from your brokers expert technical knowledge of lending criteria and experience to get your mortgage placed right first time.  

Hurdles such as failing a deeper second lender credit score or overcoming a conveyancing or property type issue are the main reasons for declines. Another one is taking new credit out after your mortgage has been offered and then failing their affordability checks, an example of this is buying a new car on finance.   

Mortgage lenders have access to in-depth credit information from many sources and they can run credit checks anytime, right the way up to your completion date.    

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Popular Mortgage Broker Services:

Buying a New Home Mortgage Advice

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Here at UK Moneyman, our mortgage brokers are proud to have helped tens of thousands of our clients buy new homes. Here is an overview of the types of clients we’ve helped:

Purchase mortgage advice for:

As you can see, the list is vast, as part of our mortgage advice service for purchases, we’ll help you with the following if required:

  1. Finding out how much you can borrow and how much your new mortgage will cost per month.
  2. Answering all your questions about the property purchase or remortgage process.
  3. Helping you get ‘mortgage ready’ with a mortgage agreement in principle to get you in the best possible position to get your offer accepted.
  4. Negotiating with an estate agent on a purchase price with a view to save you money.
  5. Find you the best mortgage deal using their experience and lender knowledge.
  6. Help you find a local reputable conveyancer that is registered on your mortgage lenders panel.
  7. Recommend any associated insurance policies designed to help you and your family stay in your new home should any unforeseen events happen with your health.
  8. Complete your application and work alongside a case manager through to completion, helping overcome any hurdles that you face along the way.

Plus, our mortgage advice service doesn’t stop there.  We’ll keep in touch and be in regular contact to help you with your remortgage options in the future.

Schedule a free call and see what’s possible with your purchase mortgage options today.

Remortgage Advice & Options

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Our remortgage advice process is quick and easy, and we can explore all your options.  Below is a summary of some of the remortgage situations we’ve recently helped our clients with:

  • Get a new fixed rate remortgage deal
  • Product transfer mortgage switches
  • Further advance on current mortgage
  • Consolidate debts with a remortgage
  • Declined a remortgage?
  • Release equity from your home for one reason or another
  • Bad credit remortgage deals
  • Landlord and buy to let remortgage deals
  • Repaying your help to buy loan via a remortgage
  • Raise money for home improvements with a remortgage
  • Remove or add a name on to a mortgage
  • Release equity to supplement retirement income
  • Retirement remortgage advice and later life remortgages
  • Equity release remortgage
  • Interest only remortgage deals

Our remortgage advice service is available 7 days a week and our mortgage brokers are experienced and knowledgeable in all remortgage areas.  Whether you are simply looking at your options as your current deal is ending or something else, we’re here to help.

The best time to shop around for a new mortgage is 6 months before your current deal ends.  Take advantage of our free mortgage advisor consultation, we’ll answer all your questions and provide you with a quotation for you to compare.  It’s highly likely that we’ll be able to save you some money by shopping around rather than staying with your current lender.   Please do not commit to a new mortgage deal with your existing lender before shopping around, it can prove costly in early redemption charges to change your mortgage down the line.

When you remortgage, you’ll have the options to consider such as if you’re wanting to make overpayments or to change the term of your mortgage to not pay any more interest than you have to.  If it’s affordable to you, overpayments will help save you money in the long term and you’ll be mortgage free much quicker.  Often lenders will allow you to overpay small amounts per month without penalty.

Speak with our remortgage advice team today so see what’s possible and see how much money we can save you.

Landlord & Investor Mortgage Advice including Buy to Let Mortgages

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We’ve helped our landlords and property investors in the UK buy thousands of properties to rent out, whether they’re buying in a personal or limited company name we’ll have buy to let mortgage advice options.

The buy-to-let mortgage advice market is specialist and there are many hurdles to overcome along the way.  Here is a summary of recent landlord situations that we’ve helped:

  • Landlord and buy to let remortgage deals
  • Capital raising and releasing equity from an investment property
  • Purchase mortgage deals
  • Limited company mortgage advice (SPV)
  • HMO mortgages 
  • Product switches
  • Auction mortgage finance
  • Bridging & development finance
  • Landlords buildings insurance/conveyancing
  • Let to buy mortgages (letting your current home to buy a new one)

As you can see, we help lots of property investors and landlords with their mortgage and finance options.  The buy to let and investment mortgage market is highly specialised and being accepted for mortgages and finance can prove difficult, it’ll be invaluable to have a mortgage broker on your side helping you navigate through the process.

Schedule a call with one of our buy to let mortgage brokers today to find out your options and receive a mortgage quotation.

Age 60+ Equity Release & Later Life Mortgage Advice

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It’s more common for clients over the age of 50 & 60 to want help with their mortgage options.  To help, there has been some brilliant lender innovation with mortgage products and services in the over 50’s range to provide both purchase and remortgage solutions.

Here is a summary of the typical enquiries that we receive and can help provide later life mortgage advice on:

  • Supplement pension income with equity
  • Repay an interest-only mortgage that is ending soon
  • Divorce or separation settlements
  • Moving home in later life
  • Paying off debts
  • Paying for care
  • Gifts to family
  • A big purchase
  • And lots more….

The types of mortgages that are available to our older clients include:

What type of mortgage will be best for you will depend on lots of factors such as your age, present and future pension income, whether is in sole or joint names, and what your objectives are.

Our brilliant later life mortgage advisor will run through the advantages and disadvantages of each product type and recommend the best way forward for you based on your personal situation.  We find that if you have family, it’s always a good idea to involve them in the conversations as early as possible.

Speak to our later life mortgage advice team today to find out what your mortgage options are, it’s a free, no-obligation conversation.

Bridging Loan & Auction Finance

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A bridging loan, or often called bridging finance, is an ideal mortgage product that allows you to ‘bridge’ a gap between a purchase and a sale.  Many property investors use bridging finance to purchase ‘do-er upper’ properties quickly, renovate, and then remortgage to a standard mortgage or sell.    

A bridging loan can be set up in a matter of days and is designed as a short-term lending solution, usually up to 2 years.  

Here are popular bridging loan mortgage situations: 

  • A loan to purchase a new home until your existing one sells 
  • Investment opportunities for landlords 
  • Auction purchases 
  • Property development for investors  
  • Tax payments 

If you are considering using a bridging loan, our specialist mortgage broker team will be happy to provide a free quotation and to answer all your questions.  The bridging loan is very specialist to it’s always best to have a great mortgage advisor team by your side.  

Secured Loans

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A secured loan is also known as a second charge mortgage or a homeowner loan.  A secured loan is a second mortgage on your property, this will be with a different mortgage lender than your existing ‘first charge’ mortgage.

The main reasons why a client would need a secured loan are:

  • Provide funds for home improvements
  • Repay debts
  • Investment opportunities such as a buy to let
  • Been declined a further advance mortgage from your current lender
  • And lots more…

It’s important to consider all of the alternative products and options that are available to you before taking out a secured loan as you could potentially be putting yourself in a worse situation.  

Our specialist mortgage advisor team will endure that you’ve considered all other routes and that you understand both the features and risks of a secured loan mortgage.  

Life Insurance Advice

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Not only are we very talented with mortgage advice services, we’re also great at providing life insurance advice.  It’s very important to us to ensure that our clients and their families are protected should the unforeseen happen.  

Here is a summary of the insurance products we can provide:  

  • Life insurance advice 
  • Critical illness advice 
  • Income protection advice 
  • Buildings and contents insurance advice 
  • Landlords’ insurance advice 
  • Mortgage protection insurance 
  • Family income benefit 
  • Wills and trusts 

Taking out insurance is not compulsory when buying a property except for a buildings insurance policy with your lender stated as an interested party as this will be a condition of your mortgage offer.  Whether you choose to insurance your contents and you or your family members is up to you and whether you can afford the monthly premium.  

Our mortgage advisors are all experts in protection and proving an affordable solution to ensure that should the worse happen, your family can stay in in their home.  We find that it’s always worth having the conversation and if budget is tight, it’s better getting some cover in place is than having none.     

Also, if you haven’t reviewed your existing insurance policies for a while it might be worth looking at these also to ensure that they’re still suitable for you and your family needs. 

Situations like the ones below are great examples of when to review your insurance plans: 

  • Increasing or reducing your mortgage borrowing
  • Changing your mortgage term
  • Married or separated recently
  • Lots of policies and not sure what you’re covered for
  • New baby/family member
  • Change of job or employment status, i.e., employed to self-employed
  • Got an old policy and not benefiting from new features

Our insurance advisor is available 7 days a week to provide free insurance advice and quotations so you can compare prices. Schedule a call today to learn more about our insurance advice service.  

Got a Complicated Mortgage Situation?

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We do love a complicated situation; our team of experienced and knowledgeable mortgage advisors can usually help place your tricky case with the right lender.  

As previously mentioned, getting a mortgage always easy and our client’s lives can get complex with income mix, property types of credit score.  

Here’s a quick summary of some of the complicated situations our mortgage brokers have recently helped: 

  • Income split, both employed and self-employed 
  • Declining net profits 
  • Maternity leave mortgages 
  • Mortgage options for the over 50’s
  • CCJ and poor credit mortgage help 
  • High rise flats 
  • New build mortgages 
  • Repaying a help to buy loan 
  • Debt consolidation 
  • Retained profit, dividend income mortgage 
  • Using benefit income 
  • Married buying in sole name 
  • New Teacher mortgages 
  • Buying off landlord 
  • And many more….. 

We work with many mortgage lenders, some specialist and can help with quirky situations.  Often, getting a mortgage is having in-depth knowledge of lending criteria and experience.  Our mortgage brokers will know firstly if it’s possible for you to get a mortgage and secondly, which lender will be best.  

Please schedule a call today to see what your mortgage options are.  

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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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