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.
Proof of ID & Address
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.
Proof of Income
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.
Proof of Affordability
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.
Proof of Deposit
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.
We're flexible around your work and family, we'll be there when you need us.
No upfront fees payable, we are paid on results only.
You'll always know who you are dealing with.
No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.
Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.
We shop around for the cheapest deal for you, saving you time and money.
There isn't a situation we haven't come across before, we fully understand your needs.
We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.
4.98 Rating200 Reviews
IT WAS LOVELY TALKING TO Helen today She was very professional and friendly and very helpful I am looking forward to her colleague Thomas calling me back at 3:30 as a range from conversation on telephone
Everyone at UK Moneyman was really helpful, polite and efficient throughout the process of getting our mortgage offer. As first-time buyers, the process seemed very overwhelming at the beginning but Charlie talked us through each step at the...
Dale was very good and very prompt thank your for your help dale
I spoke to Leaghne and she was very helpful and very patient and polite in all discussions we did. It was very easy to get through.
Really helpful and friendly team that got us the mortgage we wanted.
The service from Charlie and Chloe was outstanding! Charlie was by our side through all the start of the process and Chloe took over later on and helped with every issue we had to make sure everything ran smoothly. They both went above and beyond...
Warm Welcome. Understandi
Just spoke to Aaron very thorough good lad
Seemed a nice, friendly guy. Seemed to understand and actually interested in our application.
Great service
Had a great experience very friendly people always available to answer any questions and very knowledgeable would highly recommend their team
Worth every penny. UK moneyman have been fantastic and I could not recommend them more. They work quickly and are easy to get ahold of. They explain everything well and have made buying a house so much easier.
As first time buyers with quite specific needs, we were nervous about choosing a mortgage advisor and worked hard to find the right person and company. Charlie Bryson gave my partner and I the confidence we needed to go ahead. He was honest and...
Excellent service from Matt & Molly. Throughly recommend UK money man
All staff very helpful ..patient and knowledgeable. I was always spoken to professionally and courteously. Wayne gave me sound advice and helped me sort out issues in an area I am new too. Very grateful for help and support given.
Excellent professional service from start to finish. Staff are extremely friendly, professional and kept us informed every step of the way, making what can be an extremely stressful process quick, efficient and hassle free. This is the second time...
House-buying is a very stressful business but obtaining a later-life mortgage with UK Moneyman was a pleasure. The staff were extremely professional, knowledgeable, efficient and polite. They obtained a very good deal for us at the speed of light!...
Very Easy to talk to and Very Helpful.
From the start all the staff I have had the pleasure of dealing with were kind, knowledgeable and helpful, and accommodating to my variable shift patterns. Thank you Jason and Chloe for taking me through it all step by step.
Third time using Moneyman. The service has been excellent every time.
Read our 200 Reviews
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
