Malcolm Davidson – Managing Director
In order to make sure you’re prepared ahead of time, please feel free to watch the above video or take a look at our checklist below.
Firstly, you'll need to provide proof of who you are and where you live.
Proof of ID - Passport, driving licence.
Proof of Address - Passport (if not used for proof of ID), driving licence (if not used for proof of ID), council tax bill.
One of the most important things that lenders will want to know is 'how much do you get paid'.
Proof of Income for an Employed Applicant - Last 3 months' payslips or 13 weeks' payslips if you're paid weekly.
Proof of Income for a Self Employed Applicant - 2 years' tax calculations & tax year overviews.
Proof of Income for a Zero Hour Contract Applicant - 52 weeks' payslips.
Bonuses, commission & overtime will be evidenced on your payslips or P60.
Lenders need to know how well you conduct your finances and whether you're a reliable customer or not.
Proof of Affordability - 90 days of bank statements.
Lenders will pay particular attention to your salary, outgoings, recurring bills, bounced direct debits and gambling transactions.
Overdrafts are generally okay, as long as you are living within your means.
Although this can be the hardest part to evidence on your document trail, it's essential that you provide proof of how you got your deposit.
Proof of Deposit - If the savings have been built up in an account over time, this will be evidenced on your bank statements.
Proof of Gifted Deposit - Keep the lump sum inside the donor's account.
Large bank transfers may force your lender to ask questions. Large credit transfers will always need to be evidenced for anti-money laundering purposes.
Our mortgage advisors are available early in the morning and late at night so that you can book a mortgage appointment at a time that best suits you.
All you have to do is book online and select your preferred date and time.
Your case manager will go above and beyond during the whole mortgage process to ensure that you receive the best service possible.
Customer service is at the heart of our business. Take a look at our fantastic customer reviews to see what others have thought of our service.
We want to make sure that you have the most suitable insurance products in place for the future.
In order to find a deal that is suited to your personal and financial situation, we will search through many different lenders across our panel.
Your mortgage advisor will answer all of your mortgage queries, no question is a stupid question.
No matter the hurdle we are faced with, we will always try our best to help you overcome it!
Our Customers Love Us
4.97 Rating285 Reviews
Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
Sarah
Fantastic service from Tom Bowes
Brooke
Excellent service, great communication & highly professional
Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would...
Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and...
Stuart
Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
Danielle
I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding...
Clair
Informative, friendly, helpful and efficient service.
Katie
Really glad I went with UK Moneyman for my first mortgage, explained everything to me so well and was always on hand when I needed them as I work long hours at weekdays so having appointments on the weekends was so helpful for me, would definitely...
Natalie
Tom and Chloe were super helpful with our first time mortgage. We had a couple of properties fall through but Tom was there to help and guided us through the whole process.
paul
I think anyone would have difficulty finding a more helpful and friendly Financial Advisor. We used them to find a suitable later life mortgage and their effort and persistence in the face of some difficulties (caused by our particular...
Anonymous
Good advice and a professional hand both made the process seem effortless. Full marks for a service and result!!
Christopher
Wayne and Paula have been very helpful in helping me purchase my first house would highly recommend them to anyone wanting a mortgage advisor! Wayne was also very flexible with time as I have very odd working hours and worked out a time for phone...
Carol
Excellent service, Tom and Lynsey were responsive and extremely helpful including in resolving issues of transferring the offer to another property when the seller of the first property I was buying pulled out.
Marco
It's the 3rd time I've dealt with the team at UK Moneyman, as before they have been informative, punctual, detailed and a pleasure to deal with. I couldn't reccomend them more highly.
Suzanna
Excellent communication from start to finish. Highly recommend.
Rasheda
Very friendly and provided all the information I needed.
Pauline
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Paul
Excellent experience all around, used for two mortgages and will use again