Mortgage Advice in Rayleigh

If you are looking to become a first time buyer in Rayleigh, seeking advice from a knowledgeable mortgage advisor can be highly advantageous.

They will help to guide and support you, ensuring that you fully understand the process and are not overwhelmed by complex industry terms.

Through discussing your financial situation and requirements, your mortgage advisor in Rayleigh will be able to provide you with a rough estimate of the maximum amount you could borrow.

They can also help you in obtaining a mortgage agreement in principle, typically within 24 hours of your initial appointment.

This can be a valuable tool when making offers on properties!

Moving home in Rayleigh can be a stressful experience, particularly when you’re dealing with a mortgage.

But with a trusted mortgage broker in Rayleigh by your side, the process can be much smoother and less daunting.

At UK Moneyman, we have a team of expert mortgage advisors in Rayleigh who can help you navigate the mortgage process with ease.

Our mortgage advisors in Rayleigh work efficiently to ensure your mortgage application is processed quickly and smoothly, leaving you with one less thing to worry about as you pack up and move to your new home.

So if you’re a homeowner planning to move house in Rayleigh, get in touch with us today and let us help you make the process stress-free.

As you approach the end of your initial fixed period, it’s important to start considering your options for what to do next.

Our team of qualified experts specialise in providing customers with remortgage advice in Rayleigh, carefully assessing your situation and helping you make informed decisions.

From releasing equity to cover home improvements, accessing better rates, or consolidating debts, our experienced team is well-equipped to handle all remortgage scenarios.

Contact us today and let us help you explore your options.

Our team of mortgage advisors in Rayleigh are experts in buy to let mortgages and maintain an open and honest approach with all our clients.

We stay updated with the latest buy to let lending criteria and build strong relationships with both new and seasoned landlords alike.

We have many returning clients who come to us for our services, whether they require a mortgage for a new property or a remortgage for an existing one.

Additionally, we can help homeowners who want to let out their current property to raise funds for a new home, which is referred to as let to buy.

If you’re considering buying a property, you might find it useful to explore the Help to Buy Scheme offered by the government.

To learn more about the different schemes available, you can check out our guides or visit the OwnYourHome website run by the government.

If you are a self employed mortgage applicant, you may find the process of obtaining a mortgage to be more challenging compared to regularly employed applicants.

Our mortgage advisors in Rayleigh has extensive experience in helping self employed customers and is well-versed in the criteria for self employed mortgages.

If you own more than 20-25% of your company, you will be considered a self employed applicant. To be eligible for a mortgage, you will need to have been self employed for at least two years.

Generally, mortgage lenders will assess your income based on that period of time.

If you are renting your home from a local authority, such as a local council or housing association, you may be eligible for the government’s Right to Buy Scheme.

This scheme aims to help first time buyers in purchasing the home they are already residing in.

The discount on the purchase price of the property will depend on how long you have been living there, as well as the property’s value.

This often means that applicants do not need to provide a deposit, although this may not always be the case. It is advisable to have some savings on hand, just in case.