Choosing the right mortgage can feel like a challenge, but a mortgage broker in Kettering like us can help make things easier.
Whether you’re buying your first home, moving house, investing in a buy to let property, or thinking about remortgaging, expert support can help you find a mortgage that fits your situation.
By taking the time to understand your financial circumstances and what you’re looking to achieve, a broker can search the market to find options that match your needs. This personal approach helps you feel more confident when it’s time to make a decision.
Our Customers Rate us 4.9/5
Getting mortgage advice in Kettering has never been easier. With mortgage appointments available seven days a week, including evenings, you can get the support you need at a time that suits you best. This flexibility means you don’t have to put your day on hold to manage your mortgage plans.
Simply get in touch with our team, we’ll then take a look at your finances in detail and talk you through a variety of products from different lenders.
We always keep the process simple and stress-free, from your first conversation right through to securing your mortgage.
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If your situation is a bit more complicated, such as being self employed, buying a unique property, or dealing with credit issues, a mortgage broker in Kettering like us can help find the right solution. They work with lenders who offer products designed for a wide range of circumstances.
Whether you’re a first time buyer with a short income history or someone who needs a mortgage tailored to specific needs, having an expert by your side makes the process easier to manage. With the right support, securing a mortgage can feel straightforward and stress-free.
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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 it often comes with questions about deposits, affordability, and the mortgage process.
first-time buyers face these challenges, but having the right support can make all the difference.
As your mortgage broker in Kettering, we will be with you every step of the way, offering clarity and peace of mind.
We will explain how a larger deposit might unlock better interest rates and explore options that suit your situation, even if you’re self employed.
Whether you’re upsizing, downsizing, or relocating, moving home is an exciting opportunity that comes with important financial decisions.
Choosing the right mortgage is key to making the process as smooth as possible.
A mortgage broker in Kettering like us can assess your current deal to see if it can be transferred to your new property or help you secure a new mortgage that fits your financial circumstances.
By looking at factors such as your income, credit history, and deposit, they can help you move forward with confidence.
When your fixed-rate mortgage comes to an end, remortgaging can help you avoid the higher costs often associated with standard variable rates.
It’s also a chance to lower your monthly payments, release equity for home improvements, or consolidate debts into a single, manageable payment.
Our mortgage advisors in Kettering will review your current situation and compare deals from across the market to find an option that works for you.
For property investors, securing the right buy to let mortgage is an important step towards growing a successful portfolio.
While many lenders require a deposit of around 25%, there are products available with lower deposit requirements. Both rental income and personal finances play a role in determining what options are available.
A mortgage broker in Kettering like us can offer valuable insights into the market, helping you identify products that match your investment goals. With our support, managing the mortgage process becomes much simpler.
Government schemes can provide valuable support for homebuyers looking for affordable ways to get on the property ladder. Some of the most popular schemes include:
Our team can walk you through how each scheme works, helping you understand which options might be the right fit for your circumstances.
Securing a mortgage when you’re self employed can come with extra challenges, particularly when it comes to proving your income. While many lenders prefer at least two years of accounts, there are options available for those with shorter trading histories.
As a mortgage broker in Kettering, we can help you find lenders who understand self employed income, including dividends, retained profits, and other income types.
With the right approach, you’ll feel more confident about securing a mortgage that reflects your financial situation.
If you’re aged 55 or over, there are tailored mortgage options designed to support long-term plans and help you make the most of your property’s value. Popular choices include:
Getting mortgage advice in Kettering can help you explore your options, ensuring that you find a product that suits your financial goals and ensuring you fully understand the key features.
If you’ve experienced financial difficulties, such as missed payments or County Court Judgments (CCJs), getting a mortgage might feel more challenging.
Despite this, there are lenders who offer products designed for applicants with adverse credit histories. Your income, deposit, and the nature of your credit issues will all be considered.
Our team can help you find lenders who work with bad credit mortgages. Get in touch and book your free mortgage appointment with one of our mortgage advisors in Kettering today.
Bridging loans offer a short-term financing solution for situations where immediate funds are needed. They’re commonly used when purchasing a new property before selling your current one, or to cover the cost of renovations.
Lenders will consider your financial situation, the loan amount, and your plan for repayment before offering approval.
As a specialist mortgage broker in Kettering, we can help you find a bridging loan that suits your needs, ensuring you have a clear repayment strategy and the financial stability to support your plans.
Our expert mortgage advisors in Kettering are available every day, including weekends, so you can get the advice you need at a time that suits you.
Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.
From application to approval, your personal case manager will keep everything on track and provide regular updates.
Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.
We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.
With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.
Our mortgage experts have decades of industry knowledge, helping customers across Kettering secure the right mortgage.
Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.
The amount you can borrow for a mortgage depends on several factors, including your income, regular expenses, and the size of your deposit.
Most lenders base their calculations on around four to 4.5 times your annual income, though this can vary depending on your financial circumstances.
If you’re self employed, lenders often look at an average of your recent earnings to assess how much you can afford.
Our mortgage advisors in Kettering can review your financial situation and connect you with lenders offering deals that suit your needs.
While some lenders are happy to accept deposits as low as 5%, having a larger deposit can make a real difference.
Putting down 10% or more could improve your chances of securing a better interest rate, potentially saving you money in the long run.
For more complex situations, such as being self employed or having credit challenges, lenders may require a deposit of 10–15%.
A mortgage broker in Kettering like us can explain your options clearly, including alternatives like shared ownership or using a gifted deposit, to help you take the next step towards owning your home.
Applying for a mortgage when you’re self employed can involve a few extra steps. Lenders will usually ask for proof of income, such as tax returns, bank statements, or business accounts, to understand your financial position.
A mortgage broker in Kettering like us will help make this process simpler. They know which lenders are experienced in working with self employed applicants, even those with shorter trading histories or less traditional income.
Their knowledge can help you prepare a strong application and find a mortgage that fits your situation.
If your fixed-rate mortgage is coming to an end, or if you’re looking to reduce your monthly payments, release equity, or avoid moving onto a higher standard variable rate, remortgaging could be a smart option.
Lenders will review your income, credit history, and overall affordability before offering a new deal.
Getting mortgage advice in Kettering will allow you to compare offers across the market from a variety of different lenders. You never know, you may be able to save money with a remortgage.
For many first time buyers, saving for a deposit can feel like the biggest hurdle.
The good news is that some lenders offer mortgages with deposits as low as 5%. Plus, government schemes like Shared Ownership and the Lifetime ISA can provide extra support to help you get on the property ladder.
A mortgage broker in Kettering like us can guide you through the process, helping you understand how much you might be able to borrow and the steps involved.
If you’ve faced financial difficulties, such as missed payments or County Court Judgments (CCJs), getting a mortgage might seem challenging, but it’s still possible.
Specialist lenders offer products designed for applicants with adverse credit, taking into account factors like your income, deposit size, and the details of your credit history.
Our mortgage advisors in Kettering can help you find lenders who are open to considering your circumstances.
Buy to let mortgages are designed for landlords who want to purchase or refinance rental properties. Most lenders ask for a deposit of around 25%, though some may accept less.
Your expected rental income, financial situation, and experience as a landlord will all influence your eligibility.
If you’re looking to expand your property portfolio, remortgaging an existing property can help you release equity to fund future investments.
Getting mortgage advice in Kettering can give you insights into the best products for your goals and help you find a mortgage that supports your long-term plans.
As mortgage broker in Kettering, we have access to a wide range of lenders, including those specialising in mortgages for self employed applicants, buy to let properties, and individuals with adverse credit.
We handle the paperwork, compare deals, and communicate with lenders on your behalf, making the process feel much less complicated.
With tailored advice based on your unique situation, a broker can support you at every stage, helping you secure a mortgage that’s right for you.
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