It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
At UK Moneyman, we’re here to make your mortgage experience as easy and stress-free as possible. Whether you’re buying your first home, remortgaging, or need something a bit more unique, we’ve got your back.
Our friendly team, led by Malcolm Davidson, is ready to help you navigate any bumps in the road, making sure you always feel confident and supported.
Welcome to a mortgage experience that truly puts you first.
Whether it’s your first step onto the property ladder, moving to a new home, or investing in a buy-to-let, navigating the mortgage market can feel overwhelming.
As a first-time buyer, you might be unsure about the process, while seasoned homeowners looking to move may need advice on how much they can borrow or what their next mortgage deal could look like.
If you’re self-employed, securing a mortgage might seem tricky, but with the right mortgage advice, it doesn’t have to be.
Perhaps you’re interested in shared ownership to make your dream home more affordable, or maybe you’re over 50 and considering how a mortgage fits into your long-term plans.
Whatever your situation, speaking to a knowledgeable mortgage advisor is key. They’ll ensure you explore all your options and secure a mortgage that suits your lifestyle and financial goals.
When you’re looking to purchase a property, the first step is to speak with one of our experienced mortgage advisors.
They will take the time to understand your situation – whether you’re a first-time buyer, moving home, considering a buy-to-let, or even exploring shared ownership.
After discussing your financial goals and preferences, your mortgage advisor will search the market to identify the most suitable mortgage products.
Once the right mortgage is selected, we can help you obtain an Agreement in Principle (AIP). This indicates how much you might be able to borrow and strengthens your position when making an offer on a property.
When you’re ready to move forward, the next step involves gathering necessary documents like proof of income, identification, and bank statements.
Once you’ve found your ideal property, we’ll help you complete the full mortgage application and submit it to the lender. The lender will arrange a property valuation and conduct necessary searches to ensure everything is in order.
Throughout this process, your mortgage advisor will be on hand to keep you informed, addressing any queries and ensuring that the process moves smoothly towards securing your mortgage offer.
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Remortgaging can be a smart move for various reasons, but it’s important to get the right advice.
Whether you’re looking to lower your monthly payments, release some equity for home improvements, or switch to a mortgage that better suits your current needs, a mortgage broker can guide you through the options.
Even if you have bad credit, don’t let that hold you back – some lenders specialise in these circumstances, and a mortgage advisor can help you find the best deal available.
Maybe you’re nearing the end of your current fixed term and want to avoid being moved to your lender’s standard variable rate. Perhaps you’re considering using the equity in your home to help your children get on the property ladder.
Whatever your reasons, getting expert mortgage advice can help you find a remortgage deal that works for you.
If you’re thinking about remortgaging, the process begins with a conversation with one of our knowledgeable mortgage advisors.
They will discuss your reasons for remortgaging, whether it’s to secure a better rate, release equity, or switch to a product that better suits your current needs.
After understanding your goals, your mortgage broker will search the market to find remortgage options tailored to your circumstances, even if you have bad credit or specific requirements.
Once you’ve chosen a remortgage deal, we’ll guide you through the necessary documentation, such as recent mortgage statements, proof of income, and identification.
Your mortgage advisor will then handle the application process, submitting everything to the lender for approval.
As with purchasing, the lender may conduct a valuation of your property and carry out relevant checks.
From start to finish, our team will manage the entire process, ensuring that you complete your remortgage with ease and confidence.
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If you’re over 50, your financial needs are likely different from those you had in your 30s or 40s.
Whether you’re looking to buy a new home, remortgage, or unlock some of the value tied up in your property, there are specialised mortgage products designed for your stage of life.
You might be considering an equity release plan or a lifetime mortgage, which allows you to access the equity in your home while continuing to live there.
There are also options like retirement interest-only mortgages (RIOs) or term interest-only mortgages (TIOs), which can provide a manageable way to maintain your home and support your financial goals.
A conversation with a mortgage broker who understands the needs of older borrowers can make all the difference, ensuring you get the advice you need to make informed decisions about your future.
For those over 50, navigating the mortgage process requires specialised advice.
Our team understands the unique needs of older borrowers, whether you’re considering equity release, a lifetime mortgage, or a retirement interest-only mortgage.
When you speak with one of our mortgage advisors, they’ll take the time to explore your financial goals and retirement plans.
Based on this conversation, they will recommend suitable mortgage options that align with your long-term objectives.
After identifying the best product for you, we’ll help in gathering the necessary documents, which may include proof of income, pension details, and property information.
Once the full application is ready, your mortgage advisor will submit it to the lender, who may arrange a property valuation and conduct relevant checks.
Throughout the process, your mortgage broker will keep you informed, ensuring that everything runs smoothly and that your chosen mortgage product meets your needs.
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Bridging loans are a versatile option if you need short-term finance quickly.
Whether you’re purchasing a property at auction, refurbishing a home, or handling an urgent financial commitment, a bridging loan could be the answer.
This type of finance is often used by property investors or those looking to secure a deal before long-term funding is in place.
While bridging loans can be a useful tool, they come with higher interest rates and fees, so it’s essential to get advice from a mortgage advisor who can assess whether this is the right option for you.
With the right mortgage broker by your side, you can navigate the complexities of a bridging loan and make sure it meets your specific needs.
When considering a bridging loan, it’s essential to work with a team that understands the intricacies of this type of finance.
Speaking with one of our mortgage advisors will help you clarify your objectives, whether you’re purchasing at auction, renovating a property, or needing short-term funds for another purpose.
Your mortgage broker will search the market for the best bridging loan options, ensuring that the product meets your time frame and financial needs.
Once you’ve chosen a suitable bridging loan, we’ll guide you through the paperwork, which may involve providing proof of income, details about the property, and a clear exit strategy for repaying the loan.
Your mortgage advisor will handle the application process, submitting it to the lender who will likely conduct a valuation of the property and review your exit plan.
Throughout the process, your advisor will manage everything, ensuring the bridging loan is secured promptly and efficiently.
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Insurance is all about protecting what matters most. Whether you’re thinking about life insurance to secure your family’s future, critical illness cover to help you through tough times, or income protection to safeguard your earnings, the right cover can provide peace of mind.
A good mortgage broker will often also offer insurance advice, helping you choose the best policies to fit your situation.
Family income benefit is another option to consider – it pays out regular income to your loved ones if you’re no longer around to provide for them.
Choosing the right insurance can be confusing, but working with a mortgage advisor who understands your needs can make the process straightforward, ensuring you’re covered for whatever life throws your way.
When you’re looking to protect yourself and your loved ones with insurance, our team is here to help you find the right cover.
Whether you’re interested in life insurance, critical illness cover, income protection, or family income benefit, our mortgage advisors can guide you through the options available.
The process begins with a conversation to understand your financial situation, family commitments, and long-term goals. Based on this, your advisor will recommend suitable insurance products that provide the coverage you need.
After selecting the appropriate cover, we’ll help you gather any required information, such as details of your health, lifestyle, and financial circumstances.
Your mortgage advisor will handle the application, ensuring that all necessary documents are submitted to the insurer.
Once your policy is approved, you can have peace of mind knowing that you’re protected against life’s uncertainties, with a team that’s always here to support you.
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Our Customers Love Us
2000+ 5-Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
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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
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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