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UK Moneyman Mortgage Broker UK - M Shape

Compare 1000s of Mortgage Deals

It's free to speak with a mortgage advisor
8am - 10pm, 7 Days a Week

0800 029 3757 Speak to an Advisor - It's Free!
Malcolm Davidson Mortgage Advisor on the Phone

Compare 1000s of Mortgage Deals

It's free to speak with a mortgage advisor
8am - 10pm, 7 Days a Week

0800 029 3757 Speak to an Advisor - It's Free!
Malcolm Davidson Mortgage Advisor on the Phone

How we compare the best mortgage deals.

Choosing the right mortgage can feel like a daunting task but worry not; we’re here to take your stress away. As a mortgage broker we have access to a large number of both high street and specialist mortgage lenders, allowing us to compare 1000s of different mortgage deals, on your behalf.  

Partnered with our mortgage advisor’s in-depth knowledge of mortgage lending criteria, this gives us an opportunity to tailor our service entirely to your personal and financial circumstances. Our mortgage advisors work solely for you and are not directly affiliated with any estate agents or product providers. This ensures that your best interests are always at the forefront of our service. 

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We can help compare deals for:

Whether you’re a first time buyer, existing homeowner, experienced landlord, or you’re looking for something more complicated, we’ll have mortgage options for you. 

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Income types accepted:

  • Employed income. 
  • Self-employed income. 
  • Benefit income.  
  • Freelancer/contractor income. 
  • Company owner.  
  • Investment/rental income.  
  • Pension income.  
  • Combination of income sources. 

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Top 5 FAQs When Comparing Mortgage Deals

Why should I compare mortgage deals?

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The crux of the matter is that you always want to make sure you are on the absolute best deal that is available for you, no matter what the situation is. Whether it’s your very first mortgage or the end of your deal and you’re looking to remortgage, you should never just go with the first deal you see. 

For Purchases: 

For a property purchase, lending criteria is a key reason for this. These criteria can vary from lender to lender, meaning you may not be eligible for all deals on the market. With our knowledge, we will only compare deals where you match the lending criteria. Once this has been narrowed down, we will review the available deals and any associated fees, to ensure you are on the best deal for what it is you are looking to achieve. 

For Remortgages: 

Another good reason to compare mortgage deals, especially if you’re an existing homeowner, is to make sure you are on the best deal based on how the current market is performing. In times where the market is performing well, you may find that you could save money by remortgaging onto a better deal. When the market is not performing well, it may be wise to remortgage onto a longer fixed term to ensure financial stability amid potential rate increases. 

Will comparing mortgage deals affect my credit score?

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The short answer is no. When comparing mortgage deals with the help of a mortgage broker, your mortgage advisor will always aim to get their recommendation right first time. This means that you will have a reduced likelihood of being declined, as we will only approach mortgage lenders where we know you meet their criteria. 

Mortgage lenders typically use a soft credit search, which provide them with a snapshot of your credit history without leaving a visible mark on your credit file, however, there may also be some mortgage lenders who use a hard credit search, which will leave a footprint on your file. In both cases, it’s best to avoid too many applications, as this could have an adverse effect on your credit score. 

It is important to note, however, that your existing credit score (and more importantly what’s on your credit report) will also play a key part in determining the mortgage deals available to you. For example, a higher credit score could open the door to more favourable deals.

Is it possible to get a mortgage deal with a small deposit?

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Yes, it is possible to secure a mortgage deal with a small deposit, although the deals available to you might be more limited. The minimum deposit you can put down on a mortgage is usually 5%, with that being particularly common for first time buyers. 

This entirely depends on the state of your credit score too, as if you have poor credit, you may only be accepted if you have a higher deposit, say a minimum of 15%, to significantly reduce the mortgage lenders risk. 

Overall, it is typically better to put down more if you can, as not only does a higher deposit mean you have access to a wider range of mortgage deals, but usually this means you have access to deals with potentially lower interest rates than if you’d just put down 5%.

How early can I change my existing mortgage deal?

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The timing for changing your existing mortgage deal depends on your specific mortgage terms and conditions. Many mortgages have a fixed-rate period, typically lasting two to five years, during which you may face early repayment charges if you switch deals. 

Once this period ends, you can usually explore new mortgage deals without incurring penalties, however, it’s advisable to check your mortgage agreement and speak to a mortgage advisor to understand the specific terms applicable to your situation.

What is the difference between a fixed-rate and a variable-rate mortgage?

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The primary distinction between a fixed-rate and a variable-rate mortgage lies in the interest rate structure. A fixed-rate mortgage maintains a constant interest rate for a specified period, providing predictability in monthly payments. 

In contrast, a variable-rate mortgage, also known as a tracker or adjustable-rate mortgage, fluctuates based on changes in the lender’s standard variable rate or a specified benchmark, such as the Bank of England base rate. Fixed-rate mortgages offer stability, while variable-rate mortgages may lead to varying monthly payments depending on market conditions. The choice between the two depends on your risk tolerance and financial preferences.

8 Reasons to Choose UK Moneyman for Mortgage Advice

We are open every day of the week!

We are able to work around your busy moving schedule, always there when you need support.

Benefit from a Free Mortgage Appointment.

You won't have to pay us before we do anything! We're only paid on getting results.

You will get a dedicated case manager.

You can worry less knowing that you'll have the same person to work with all throughout your process.

We work for you, we have your best interests at heart.

We will be open and honest at all times; finding you a deal that suits your personal and financial situation.

Insurance advice for you and your family, free from jargon.

We'll recommend the most suitable insurance products to protect you and your family, should you become seriously ill or unable to work.

1000s of possible mortgage options.

We will compare different mortgage deals across the market. We have a large panel of mortgage lenders to choose from.

We have a lot of experience and knowledge.

It's likely we will have encountered something like your situation before. We will use what we know to further your case.

From the start until completion.

We will be there for you throughout your whole mortgage process, recommending the best mortgage deal for your situation.

Finding you the right mortgage deal.

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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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