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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Getting a mortgage can feel like a big task, whether you’re buying your first home, moving to a new place or thinking about switching to a better deal.
It’s easy to feel unsure about where to start or what’s right for you. That’s where we come in.
Our mortgage advisors in Norwich take the time to understand your situation and help you find a mortgage that fits.
We’re here to make things simpler and give you the support you need at every stage.
Our Customers Rate us 4.9/5
Sorting your mortgage shouldn’t feel like another job on your list.
With us, you can book a free mortgage appointment online at a time that works for you.
Our team of mortgage advisors in Norwich are available seven days a week, ready to chat when it suits your schedule.
That might be during the day, after work or over the weekend.
It’s quick to get started and your appointment is free.
Appointments 7 Days a Week
Some mortgages aren’t as straightforward
If you’ve got a mix of incomes, have had credit issues in the past or are buying a less typical property, things might feel more difficult.
That doesn’t mean you’re out of options though. As a mortgage broker in Norwich, we’ve spent over 20 years helping people in situations just like yours.
Even if a lender has said no, we can look at other routes and find out if there’s a specialist mortgage that could be a better match.
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
Taking your first step onto the property ladder is a big moment and you’ll want to feel confident about what’s ahead. With so many mortgage options, it’s easy to feel overwhelmed.
If you’re a first time buyer in Norwich, you’ll need to think about your deposit, what you can afford to borrow and which mortgage deals are available to you. Most lenders ask for at least a 5% deposit. Putting down more, typically around 10 to 15%, could give you access to lower interest rates.
If you’re self employed or your income varies month to month, lenders may ask for extra paperwork to check your affordability.
Our mortgage advisors in Norwich can help you with that, from working out what you can afford to finding a lender that suits your needs.
Planning to move home in Norwich, sorting the right mortgage is just as important as finding the right home. Whether you’re upsizing or downsizing, it’s worth looking at your mortgage options early on.
If you already have a mortgage, you might be able to take it with you to your new property. This is known as porting. If that’s not possible, you’ll need to look at a new mortgage, which could open the door to better deals.
Our mortgage advisors in Norwich can help you explore both options, so you can move forward with a clear idea of what’s possible.
If your fixed rate is ending, now might be the time to look at remortgaging in Norwich. Moving onto your lender’s standard variable rate can mean higher monthly payments, so switching early could save you money.
Remortgaging isn’t just about finding a better deal. Some homeowners remortgage to borrow more, whether that’s for home improvements, paying off debts or other personal plans.
Our mortgage advisors in Norwich will search through thousands of deals to find the most suitable option based on your circumstances.
If you’re thinking about investing in property, you’ll want a mortgage that fits your plans. Buy to let mortgages work a little differently from standard ones, with lenders focusing on the property’s rental income and the size of your deposit.
Most buy to let mortgages need at least a 25% deposit. Some landlords choose to apply through a limited company, depending on their tax setup.
As a mortgage broker in Norwich, we’ll take a look at your investment plans and help you find a mortgage that supports your long-term strategy.
There are a few government-backed schemes designed to help people get onto the property ladder, whether you’re buying for the first time or taking a different route into homeownership.
Right to Buy lets some council and housing association tenants buy their home at a discount. Shared Ownership gives you the chance to buy part of a property and pay rent on the rest, with the option to increase your share later on. A Lifetime ISA helps you save towards a deposit, with the government adding a 25% bonus to your savings each year.
Understanding how these schemes work can take a bit of digging. As a mortgage broker in Norwich, we can talk you through them and help you figure out which one may suit your situation.
Sometimes you need short-term finance to keep things moving. Bridging loans are used in situations where timing matters, such as buying a new property before your current one is sold or purchasing a home at auction.
They are usually secured against property and can be arranged quickly, which makes them useful for fast transactions or for properties that need work before they’re suitable for a standard mortgage.
If this type of finance sounds like it might fit your situation, a mortgage broker in Norwich like us can talk you through the options available.
Being self employed doesn’t mean you can’t get a mortgage, but the process can be a little different. Without a fixed salary, lenders will usually focus on your income history and how long your business has been running.
Most lenders prefer to see two years of accounts, though some are happy to consider just one year if your income is strong.
As your mortgage broker in Norwich, we work with lenders who understand self-employed income and can help you find a mortgage that suits how you earn.
If you’re aged 60 or above and thinking about your next move, there are mortgage options designed to support your plans. Whether you’re releasing money from your home, moving to a new property or reviewing your current deal, age 50+ mortgages can offer the flexibility you need.
Retirement Interest-Only mortgages allow you to pay just the interest each month, with the loan repaid once the property is sold. Equity release gives you access to some of your home’s value while continuing to live in it. Lifetime mortgages let you borrow against your home with the option to make voluntary payments.
A mortgage broker in Norwich like us can explain each option and help you explore what might suit your plans.
If your credit history includes missed payments, defaults or other issues, getting a mortgage can feel more difficult. But it’s still possible to find a lender who will look at your application.
There are lenders who offer bad credit mortgages designed for people with a history of County Court Judgements, IVAs or bankruptcy. A larger deposit, usually between 10 and 15 percent, might improve your chances, especially if your financial situation has recovered.
Mortgage advice in Norwich can help you explore lenders who are open to different circumstances and find a mortgage that fits your needs.
Speak to an expert at a time that suits you, including evenings and weekends.
Get expert guidance 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 Norwich have decades of industry knowledge.
We’re with you every step of the way, from application to approval.
The amount you’ll need for a deposit depends on the type of mortgage you’re applying for, your credit history and the lender’s criteria. For most standard residential mortgages, a 5 percent deposit is the usual starting point. So if you’re buying a property worth £250,000, you’d need at least £12,500 saved.
If you’re applying for a mortgage with a history of bad credit or if you’re self employed with irregular income, lenders might ask for a deposit closer to 10 or 15 percent. For buy to let mortgages, it’s usually around 25 percent.
There are also schemes like Shared Ownership and the Lifetime ISA, which can help by either reducing the amount you need upfront or boosting your savings with a government bonus.
Getting mortgage advice in Norwich can help you understand what deposit is required based on your situation.
Mortgage applications can vary in length depending on your circumstances, the lender and the type of property you’re buying. On average, most applications take between two and six weeks to complete.
To keep things moving smoothly, it helps to have all your documents ready. This includes proof of ID, recent bank statements, income details and any credit information that supports your application.
A mortgage broker in Norwich like us can help keep things on track and avoid delays by making sure everything is in order before your application goes in.
There’s no single score that guarantees mortgage approval. Each lender uses their own criteria, so what works for one may not work for another.
In general, a higher score gives you access to better interest rates. If your score is lower, you may still be able to get a mortgage through a specialist lender, although this might involve a larger deposit and higher interest rates.
A mortgage broker in Norwich like us can help match you with a lender that fits your credit profile, even if your score isn’t perfect.
When choosing a mortgage, there are a few main types to consider. Fixed-rate mortgages give you the same monthly payment for a set time, usually two, three, five or ten years. Tracker mortgages follow the Bank of England’s base rate, so your payments can change if the rate moves.
Discounted variable mortgages offer a lower rate for a set period but may fluctuate over time. If your current deal ends, you might move onto your lender’s standard variable rate, which can also change.
A mortgage advisor in Norwich can talk you through each type and help you work out which one suits your plans.
Yes, it’s possible. Lenders will look at the type of job, how long you’ve been employed and whether you’re staying in the same line of work.
Some lenders want to see at least three to six months in your current role, while others are happy to accept an application as long as you have a signed contract and confirmed start date.
A mortgage broker in Norwich like us can help find lenders who are comfortable with new employment situations and offer deals that reflect your career move.
Yes, many lenders accept gifted deposits, especially when they come from close family members such as parents or grandparents.
The person giving the deposit will usually need to sign a letter confirming the money is a gift and not a loan. There may also be checks to make sure the source of the funds meets the lender’s requirements.
A mortgage advisor in Norwich can explain what’s needed and make sure your application is handled correctly from the start.
Yes, remortgaging to consolidate debts is one option some homeowners consider. By rolling credit cards, loans or other borrowing into your mortgage, you might reduce your monthly outgoings.
It’s important to think about the bigger picture, as you’ll be spreading repayments across your mortgage term, which could mean paying more overall.
A mortgage advisor in Norwich can look at your current finances and help you decide whether this route makes sense for you.
Banks can only offer their own mortgage deals, which means you might not see the full range of what’s available.
A mortgage broker in Norwich searches across multiple lenders, including high street banks and specialist providers. That gives you access to more options and potentially better deals.
As your broker, we’ll handle the paperwork, deal with the lenders and offer advice tailored to your circumstances, helping you move forward with confidence.
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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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