It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Let us guide you through the entire mortgage process. We can help with:
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Working with a mortgage broker in Exeter offers access to personalised advice and a wide range of mortgage deals tailored to your needs.
Unlike going directly to a lender, brokers compare thousands of options, including exclusive products not available on the high street.
With expert knowledge of the market, a mortgage broker in Exeter like us can simplify the process and help you find the right deal, no matter your circumstances.
Our Customers Rate us 4.9/5
As a mortgage broker in Exeter, we provide tailored support for every stage of your property journey, from buying your first home to remortgaging or expanding your buy to let portfolio.
With a deep understanding of the local market, we’ll guide you through the entire process, ensuring it’s as smooth and stress-free as possible.
Whatever your situation, a mortgage broker in Exeter like us works to secure the best deal for your financial goals.
Appointments 7 Days a Week
Securing a mortgage isn’t always simple. If you have a complex income, past credit issues, or an unusual property, finding the right deal can seem difficult, but there are still solutions.
As a mortgage broker in Exeter, we help people navigate tricky mortgage situations. With over 20 years of experience, we understand the challenges and know how to find options that work.
Being declined by one lender doesn’t mean the end of the road. There may be specialist mortgage products better suited to your circumstances.
Explore 1000s of Mortgage Options
Our Customers Love Us
3,500+ 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
Buying your first home is an exciting milestone, but the process can feel overwhelming. As a first-time buyer in Exeter, you may be trying to understand deposit requirements, affordability checks, and government schemes that could help.
Our mortgage advisors in Exeter make things easier by matching you with the right lenders, explaining your options, and helping you secure a mortgage that fits your budget. With expert guidance, you can focus on finding the right home while we handle the mortgage side of things.
Moving home in Exeter is more than just finding the right property. You will need to decide whether to transfer your existing mortgage or apply for a new one. Property chains and additional costs like legal fees and removals can add to the complexity.
As a mortgage broker in Exeter, we will support you throughout the process. Whether you need to port your mortgage or secure a better deal, we will help you find the right option and keep everything on track.
Remortgaging can reduce your interest rate, consolidate debts, or release equity for home improvements. If your fixed-rate deal is ending or you are on a standard variable rate, reviewing your options could save you money.
As a mortgage broker in Exeter, we search through thousands of remortgage deals to find the most suitable one for you. By securing the right deal, you can make the most of your property’s value and improve your financial situation.
A buy-to-let mortgage in Exeter is essential for anyone looking to rent out property, whether as a first investment or part of a growing portfolio. Lenders often require a larger deposit and proof of sufficient rental income.
Our buy-to-let mortgage advisors in Exeter will guide you through the process, helping you secure a competitive deal while ensuring you meet lender requirements. Whether you are new to property investment or an experienced landlord, we will help you achieve your goals.
A bridging loan can provide short-term property finance when time is a factor. These loans are commonly used to buy a new property before selling an existing one, purchase an auction property, or fund renovations that a standard mortgage would not cover.
Bridging loans are secured against property and can be arranged quickly. Our mortgage brokers in Exeter will help you explore the best options available to suit your circumstances.
Getting a mortgage when self-employed in Exeter can be more challenging, as lenders may ask for extra documentation such as tax returns and business accounts. This can be especially difficult if your income varies or you have only recently started your business.
As a mortgage broker in Exeter, we specialise in helping self-employed applicants find lenders who understand these situations. We will ensure your application is presented in the best possible way to improve your chances of approval.
There are several government schemes designed to help people onto the property ladder, whether you are a first-time buyer or looking for an alternative route to homeownership.
Understanding which schemes you qualify for can be complicated. As a mortgage broker in Exeter, we will help you explore your options and find the most suitable path to homeownership.
If you have had credit issues in the past, securing a mortgage can feel difficult. Some lenders offer bad credit mortgages in Exeter, designed for those with missed payments, defaults, or CCJs.
As your mortgage broker in Exeter, we have access to specialist lenders who consider applications with a more flexible approach. We will guide you through the process and help you find a mortgage suited to your circumstances.
Not all mortgage applications are straightforward. If you have irregular income, are buying an unconventional property, or face other challenges, finding the right lender can be difficult.
As a specialist mortgage broker in Exeter, we have helped thousands of customers secure mortgages in complex situations. We will work to find a solution tailored to your needs.
If you are over 50 and looking for a mortgage in Exeter, there are options available to suit your needs. Whether you are moving home, remortgaging, or releasing equity, lenders offer products that take retirement income into account.
A mortgage broker in Exeter like us can help you explore the available options and secure a mortgage that supports your plans both now and in the future.
For those over 60, there are mortgage products such as retirement interest-only and lifetime mortgages are becoming more popular. These options can support downsizing, equity release, or financial planning in later life.
Our experienced age 60+ mortgage advisors in Exeter will assess your circumstances and help you find the right solution for your needs.
Retirement mortgages in Exeter provide flexibility for homeowners looking to free up funds in later life. These products can help with home improvements, supporting family, or managing finances more effectively.
With expert mortgage advice in Exeter, you can find a retirement mortgage that suits your needs while ensuring financial stability.
Speak to an expert at a time that suits you, including evenings and weekends.
Get expert advice with no upfront costs.
Stay updated with one point of contact throughout the process.
We search for the best mortgage to suit your needs, not the lender’s.
Our clients rate us highly for our efficiency and personalised support.
Access deals from a wide range of lenders, including specialist products.
Our mortgage advisors in Exeter have decades of industry knowledge.
We’re with you every step of the way, from application to approval.
The deposit you’ll need depends on your circumstances and the type of mortgage you’re applying for. For most standard residential mortgages, you’ll typically need at least a 5% deposit of the property’s purchase price.
If you’re buying with a bad credit history, lenders may require a larger deposit, usually between 10% and 15%, to offset their risk.
For buy to let mortgages, the deposit is generally around 20% to 25% as lenders view these properties as a bigger risk.
Self employed applicants are assessed on the same deposit criteria as employed applicants, but proving affordability through documentation like tax returns and business accounts is key.
Getting mortgage advice in Exeter can help you understand the deposit you’ll need and guide you toward lenders suited to your circumstances.
The mortgage application process begins with an initial consultation where we assess your financial situation and property goals.
We’ll help you secure an agreement in principle (AIP), which outlines how much a lender is willing to lend you, boosting your credibility with sellers.
Next, you’ll complete the full mortgage application, including providing documentation such as payslips, bank statements and proof of identity.
Your chosen lender will then conduct a property valuation to confirm the property’s value matches the agreed price. Once approved, you’ll receive a formal mortgage offer, which allows you to proceed to completion.
As a mortgage broker in Exeter, we manage the process for you, ensuring it’s as smooth and stress-free as possible while keeping you updated at every step.
Yes, it’s possible to get a mortgage with bad credit in Exeter, though your options may be more limited.
Adverse credit issues like missed payments, defaults, or CCJs don’t necessarily disqualify you, but lenders will assess your situation more closely.
Typically, you’ll need a larger deposit approximately 10%-15%, and may face higher interest rates.
Specialist lenders cater specifically to bad credit applicants, and a mortgage broker in Exeter can connect you with these providers.
We’ll review your credit file, recommend improvements if needed, and guide you toward a deal that suits your circumstances.
A mortgage agreement in principle (AIP) is a document from a lender indicating how much they are willing to lend you, based on an initial review of your income and credit history.
It’s not a guarantee of a mortgage but demonstrates to sellers and estate agents that you’re a serious buyer.
Our mortgage advisors in Exeter can secure an AIP for you within 24 hours! This quick turnaround is especially helpful if you’re ready to make an offer on a property or need a pre-approval to boost your confidence when house hunting.
Booking your free mortgage appointment with us is quick and easy.
Simply book online and choose a convenient time for a telephone or video appointment with one of our experienced mortgage advisors.
The appointment is completely free and designed to give you clarity on your options and the next steps in your mortgage journey.
Whether you’re a first time buyer, self employed, or looking to remortgage, our team is here to help with expert advice tailored to your situation.
To apply for a mortgage in Exeter, you’ll need to provide proof of income (e.g., payslips, tax returns for the self-employed), bank statements, proof of ID, and evidence of your deposit.
Lenders may also request information on financial commitments such as loans or credit cards.
A mortgage advisor in Exeter can help you prepare these documents to ensure a smooth application process.
Being organised from the start can speed up approval and avoid delays.
The timeline for securing a mortgage in Exeter varies depending on your circumstances.
Typically, the process takes 4-8 weeks from application to completion. Factors such as property valuations, legal work, and lender responsiveness can affect this timeframe.
With the help of a mortgage broker in Exeter like us, the process can often move faster.
We’ll liaise with lenders, solicitors, and other parties to ensure everything stays on track, minimising delays.
Fixed-rate mortgages in Exeter keep your interest rate and monthly payments the same for a set period, usually 2-5 years, providing stability and predictability.
Variable-rate mortgages in Exeter, on the other hand, fluctuate with the Bank of England’s base rate or your lender’s standard variable rate, meaning your payments can rise or fall.
Choosing between the two depends on your financial goals and risk tolerance.
Getting mortgage advice in Exeter can help you weigh the pros and cons and select the best product for your needs.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
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 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
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 2025.
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