Mortgage Advice in Stoke-on-Trent

If you are looking to take the necessary steps towards becoming a first time buyer in Stoke-on-Trent, it is highly recommended that you speak with an expert mortgage advisor in the area.

This will help to reduce your stress and alleviate any confusion surrounding industry jargon.

Your mortgage advisor in Stoke-on-Trent will be able to provide you with a rough estimate of the maximum amount you could possibly borrow and help

you obtain a mortgage agreement in principle, typically within 24 hours of your initial appointment.

This is an incredibly beneficial tool for making offers on properties and securing your dream home.

Moving home in Stoke-on-Trent can be a stressful ordeal, especially when you have to consider your mortgage.

Fortunately, with a reliable mortgage broker in Stoke-on-Trent, the stress levels of homeowners wishing to move can be significantly reduced.

Our team is committed to making the mortgage process as fast as possible, giving you one less thing to worry about as you pack up and embark on your search for a new home.

If you are approaching the end of your fixed mortgage term, it’s important to start considering your options for what to do next.

Our team at UK Moneyman provides expert remortgage advice in Stoke-on-Trent to help you make informed decisions about your next steps.

We understand that every customer’s situation is unique and we tailor our advice to suit your individual circumstances.

Our experienced mortgage advisors in Stoke-on-Trent can guide you through the remortgage process, whether you’re looking to release equity for home improvements, access better rates, or consolidate debts.

Don’t hesitate to get in touch and see how we can help you.

Our team of mortgage advisors in Stoke-on-Trent are knowledgeable in dealing with buy to let mortgages.

We keep ourselves updated with the latest buy to let lending criteria and build relationships with both new and experienced landlords.

Many landlords come back to us for our services, whether it’s for a new property or a remortgage.

We can also assist those who want to rent out their current property to raise funds to purchase a new home, a strategy known as let to buy.

If you’re considering buying a property, it’s worth looking into the government’s Help to Buy Scheme, which could provide you with some useful options.

Our guides can offer further information on the various schemes available, or you can visit the government’s OwnYourHome website to learn more.

If you are self employed and applying for a mortgage, you might think that the process is more challenging than for regular employed applicants.

Our experienced mortgage advisors in Stoke-on-Trent is here to help you with a self employed mortgage and understands the relevant criteria.

Self employed applicants are those who own more than 20-25% of their company.

In order to obtain a mortgage, self employed applicants must have been self employed for at least two years, and mortgage lenders will typically review their income over this period of time.

Our team can help guide you through the process and ensure that your application is as smooth and successful as possible.

If you are currently renting a home from a local authority, such as a local council or housing association, you may qualify for the government’s Right to Buy scheme.

This scheme is designed to help first time buyers in Stoke-on-Trent purchase the home they are already living in.

The amount of discount you receive on the property purchase price depends on how long you have been residing in the property and its current value.

While this may allow you to buy the property without putting down a deposit, it’s always wise to have some savings on hand just in case.