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
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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...
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
Excellent speedy service and always available to work around the best times for us, including calls at weekends
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
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...
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
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...
Fantastic service from Tom Bowes
Excellent service, great communication & highly professional
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 happily...
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...
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 professional manner....
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.
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 them with...