Moving Home Mortgage Advice
Open from 8am to 10pm
Our journey starts here
It has been said that moving house is one of the most stressful things in your lifetime. Rest assured, my team of mortgage brokers and I have the knowledge and experience, partnered with the latest technology, to make the whole home moving process as stress free as possible. Your dedicated UK Moneyman mortgage advisor will be on hand every step of the way, offering clear and simple mortgage advice, from your initial call to getting the keys and beyond. You'll be in safe hands with us!
In-house mortgage advisors working for estate agents and builders have very close relationships with the seller of the property. We work solely for you, with no vested interests.
Meet Annie, one of my moving home mortgage experts
"The moving house process have changed over the last few years. Housing in popular areas is in demand and it's defiantly a sellers' market at the moment. There's never been a more important time for home movers to be 'mortgage ready' before looking for properties.
My previous role in a high street bank, meant I could only provide mortgage advice to customers 9-5 Monday to Friday which was really frustrating.
Commitments such as working hours, after school activities, child care problems and getting joint applicants together are not problem now. Flexibility around work patterns and family commitments are key here at UK Moneyman.
It's rewarding to speak to customers at a time that suits them, they’re not rushing and stressed and able to listen and understand.
My colleagues and I work evenings until 10pm and weekends, helping customers who are looking to move home by giving them an idea of how much they can borrow, how much this will cost and also producing agreement in principle certificates."
Your dedicated mortgage advisor will discuss the different mortgage types available to you and find the best option suited to your individual circumstances.
Fixed rate mortgage
Fixed rate mortgages offer you financial stability. Your interest rate will be fixed for a set period of time, meaning your monthly mortgage repayments will remain the same.
Variable rate mortgage
A variable rate mortgage is opposite a fixed rate. Your interest rate will go up or down in relation to the Bank of England base rate or your lenders standard variable rate (SVR).
Tracker mortgage
A tracker mortgage is a type of variable rate mortgage where your interest rate tracks the Bank of England base rate at a set margin, for example 1.5% above or below it.
Offset mortgage
With an offset mortgage you have a bank account which is linked to the mortgage. The bank account doesn’t attract any interest but whatever you deposit “offsets” against your mortgage balance. So, if you have a £100,000 mortgage and £15,000 in your savings pot you only pay interest on £85,000.
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Fixed rate mortgage
Fixed rate mortgages offer you financial stability. Your interest rate will be fixed for a set period of time, meaning your monthly mortgage repayments will remain the same.
-
Variable rate mortgage
A variable rate mortgage is opposite a fixed rate. Your interest rate will go up or down in relation to the Bank of England base rate or your lenders standard variable rate (SVR).
-
Tracker mortgage
A tracker mortgage is a type of variable rate mortgage where your interest rate tracks the Bank of England base rate at a set margin, for example 1.5% above or below it.
-
Offset mortgage
With an offset mortgage you have a bank account which is linked to the mortgage. The bank account doesn’t attract any interest but whatever you deposit “offsets” against your mortgage balance. So, if you have a £100,000 mortgage and £15,000 in your savings pot you only pay interest on £85,000.
Work patterns are becoming more complex, and unlike most high street banks, here at UK Moneyman we are able to adapt. As long as you are able to prove your income in the form of tax calculations (SA302s) and tax overviews, you'll be in a great position to buy a property with UK Moneyman.
Sole trader/partnership
Usually with a minimum trading of 1 year we are able to help. Most lenders calculate sole trader income based on an average of the last 3 years, some are happy with the last 2, and others are happy with the latest tax return.
Limited company owner
Whether you are receiving income in the form of dividends, salary, a mixture, retaining your profit in your business and/or pension contributions, your UK Moneyman advisor will prove invaluable. With our experience and knowledge, you'll be in safe hands with us.
Freelancers
Weekly rate multiplied by 48 weeks is the usually maximum income we can work from to calculate your maximum borrowing. Lender criteria varies significantly here and it's our job to recommend the best mortgage deal for you.
Contractor
The great thing here is you could be treated as both self-employed or employed depending on lenders policy, it's our job to know our lending criteria here. Even if it's your first year, it may be possible to help depending on how many months you have left on your contract.
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Sole trader/partnership
Usually with a minimum trading of 1 year we are able to help. Most lenders calculate sole trader income based on an average of the last 3 years, some are happy with the last 2, and others are happy with the latest tax return.
-
Limited company owner
Whether you are receiving income in the form of dividends, salary, a mixture, retaining your profit in your business and/or pension contributions, your my moneyman advisor will prove invaluable. With our experience and knowledge, you'll be in safe hands with us.
-
Freelancers
Weekly rate multiplied by 48 weeks is the usually maximum income we can work from to calculate your maximum borrowing. Lender criteria varies significantly here and it's our job to recommend the best mortgage deal for you.
-
Contractor
The great thing here is you could be treated as both self-employed or employed depending on lenders policy, it's our job to know our lending criteria here. Even if it's your first year, it may be possible to help depending on how many months you have left on your contract.
Most often, the answer is yes. We're able to utilise our knowledge and experience to recommend the most suitable lender for you. Customers that have bad credit really get a lot of value from the help and support our UK Moneyman mortgage advice service provides.
Specialist lenders
Just because you have been turned down by your high street bank doesn’t necessarily mean the end of the road. We work with some specialist mortgage providers who all have different lending criteria.
Your credit report
If you are aware that you have had some problems in the past then obtaining an up to date copy of your credit report will prove invaluable for your my moneyman remortgage advisor.
Our knowledge
Armed with your up to date credit report and our vast knowledge of lending criteria, we will be able to advise you on the best possible remortgage for your individual circumstances.
Bad credit types
We have experience helping customers with CCJ's, missed payments, defaults, arrears, debt management plans, and ex bankrupts.
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Specialist lenders
Just because you have been turned down by your high street bank doesn’t necessarily mean the end of the road. We work with some specialist mortgage providers who all have different lending criteria.
-
Your credit report
If you are aware that you have had some problems in the past then obtaining an up to date copy of your credit report will prove invaluable for your UK Moneyman remortgage advisor.
-
Our knowledge
Armed with your up to date credit report and our vast knowledge of lending criteria, we will be able to advise you on the best possible remortgage for your individual circumstances.
-
Bad credit types
We have experience helping customers with CCJ's, missed payments, defaults, arrears, debt management plans, and ex bankrupts.
Why use UK Moneyman?
Why use UK Moneyman?
We work for you
Unlike most mortgage brokers, we are not partnered with any estate agents, bank or builder and have your sole interests at heart. Our mortgage advisers are available 7 days a week 8am – 10pm to help and guide you throughout the whole process.
We search 1000's of mortgage deals
Your UK Moneyman dedicated moving home mortgage advisor will search and compare 1000's of deals to find you the best mortgage tailor made to your individual circumstances.
Five star service
We pride ourselves on the level of service we offer to our customers. Don’t take our word for it though, read our genuine customer reviews.
Free mortgage consultations
We offer all of our customers a free no-obligation mortgage consultation. Out of hours mortgage advice isn't a problem. We appreciate the busy schedules of day to day life, this is why UK Moneyman mortgage advice is available 7 days a week 8am – 10pm.
Don't take our word for it
Here's what our customers have to say
Malcolm's Moving Home Guides
Let’s get mortgaging!
Call free 8am to 10pm