The best thing you can do to ensure a quicker and smoother process for yourself and your mortgage advisor, is to have all the required documentation ready to send to the mortgage lender.
The lender needs to know who they're dealing with and have absolute confidence in your ability to pay back. Because of this, you'll need some form of ID, proof of address and proof of your income and spending habits. Examples of these include, but are not limited to, driving license, passport, utility bills and the last 3 months bank statements.
For self employed applicants, you'll need these same documents, with the addition of the last 2 years SA302s & your tax year overviews. If you're on a zero hour contract, you'll need the last 52 weeks payslips.
Your mortgage lender will be looking at what your monthly income is and what your monthly outgoings are, so they can get a good idea of your financial habits. Potential red flags they will look for include any bounced direct debits (e.g., mobile phone contracts or other monthly subscriptions) and any recent gambling transactions.
If you have saved up your deposit by yourself, the lender will like to see your savings built-up over time in your bank statements. Any large credits going into your account, e.g., if you sell your car or something else of high value, the lender will need some form of receipt as proof of where this came from. Gifted deposits are perfectly acceptable, though your lender will also need the donors bank statements to evidence their own savings being built-up. These precautions are all necessary for the sake of anti-money laundering.
We're flexible around your work and family, we'll be there when you need us.
No upfront fees payable, we are paid on results only.
You'll always know who you are dealing with.
Getting your first mortgage can be a daunting experience. We’ll hold your hand all throughout the process.
We'll recommend the most suitable insurance products to ensure you can keep up with your repayments, should you become seriously ill or unable to work.
We shop around for the cheapest deal for you, saving you time and money.
There isn't a situation we haven't come across before, we fully understand your needs.
We'll aim to overcome any hurdles faced along the way, this includes removing the stress of property survey and valuation problems.
Our Customers Love Us
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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...
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
Excellent speedy service and always available to work around the best times for us, including calls at weekends
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
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...
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
Fantastic service from Tom Bowes
Excellent service, great communication & highly professional
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and professional manner....
Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding them with...