Welcome to Grimsbymoneyman.com, we’re a local expert Mortgage Broker in Grimsby. Our Friendly Mortgage Advisors provide Open and Honest Mortgage Advice in Grimsby 7 days a week, 8am-10pm. We hold mountains of experience within the mortgage world and we apply all of this when helping you through the mortgage process.
Whether you are a First Time Buyer searching for a perfect starting home or current home-owner wanting to Move House, we can help! You may be looking to Remortgage, interested in Buy to Let Mortgages, need Help to Buy Advice or general Mortgage Advice in Grimsby. Guiding you through these situations is what we do best and it is our service to you as our consumers.
Being Responsive, Caring, Open & Honest is what we do best. We apply all of these to our customer service ensuring you feel looked after at all times. We make sure every customer receives excellent customer service that they won’t forget. To hear more about our amazing customer service, check out our reviews here.
As an Experienced Mortgage Advisor in Grimsby, we know how to save your time and your money, making the mortgage process nice and easy for you. Our team at Grimsbymoneyman will go above and beyond for you and search through thousands of deals until they find the best deal for you and your personal situation.
If you are a First Time Buyer or haven’t moved home in a while, you will hopefully find our service extremely useful. Buying a new home can be one of the most stressful events in your life, therefore, the help and support of a skilful Mortgage Advisor in Grimsby should prove useful.
For current home-owners looking to remortgage, our amazing team of mortgage advisors will search through thousands of mortgage deals to try and find the best one for you.
At Grimsbymoneyman, we are not tied to a particular Estate Agent or Mortgage Lender, we work solely for you. This makes your mortgage experience with us more personal and secure, which is just how you want it.
The team here at our Mortgage Broker in Grimsby have an in-depth knowledge of mortgage criteria and each of our Mortgage Advisors in Grimsby will be more than happy to assist you throughout your mortgage journey from start to finish.
We hold a high level of expertise when it comes to mortgages, so there is rarely a situation that we haven’t come across before.
Maybe you are Self Employed, a Company Owner, a Partner, a Contractor or on a probation period with a new employer and are finding it hard to get a new mortgage arranged. This is where a skilful Mortgage Broker in Grimsby, like us, will become beneficial. Also, this will apply to you if you have had credit problems in the past, been bankrupt, have a CCJ and /or a poor credit score.
Often, our customers approach their own bank before coming to us for mortgage advice. The most common reasons for the banks not being able to help are; not fitting criteria/tight affordability, can’t get an appointment, or simply can’t borrow enough.
If you are in one of these situations then it is important to speak to a Mortgage Advisor in Grimsby, like us, who would love to try and help you! The sooner you get Mortgage Advice, the better position you will be in when you decide it’s time to secure a mortgage deal.
We have been in the mortgage game for a long time now. We are experts within this field and want to share our information with you to help you through your mortgage problems and answer your queries.
Our mortgage advisors will search through thousands of both residential and Buy to Let mortgage deals on your behalf to ensure you get the perfect one for your current situation.
Ideally, you should have a chat with an Expert Mortgage Advisor in Grimsby, like us, before viewing houses with estate agents. This is because we will give you an idea of your budget and have a mortgage agreement in principle document ready to support any offers you make.
Ideally, you should have a chat with an expert Mortgage Advisor in Grimsby, like us, before viewing houses with estate agents. This is because we will give you an idea of your budget and have a Mortgage Agreement in Principle document ready to support any offers you make.
Open & Honest Mortgage Advice in Grimsby by Grimsbymoneyman, 8am – 10pm, 7 days a week
Your free mortgage consultation with a Mortgage Advisor in Grimsby will last approximately an hour. Once they have evaluated your situation, they will recommend a mortgage for you with no obligation for you to proceed. Based on the deal, you can decide whether or not you want to continue the process with us or not.
As a trusted Mortgage Broker in Grimsby, we carry out a fact find to verify your needs before recommending you with a mortgage deal. After a Mortgage Advisor in Grimsby has evaluated your situation, they will perform a credit check on you, this is required for an agreement in principle. Then after you have provided all of the relevant documentation and a valuation of the property has been carried out, a formal mortgage offer can be issued.
We always advise that you obtain an agreement in principle before you start viewing properties in Grimsby, to avoid disappointment. If you want to get yourselves a head start, you should get one prior to making an offer.
Typically, an agreement in principle lasts for between 30 and 90 days, however, this can change depending on your lender. If your agreement in principle expires, you can renew it quite easily.
Yes, you can get a second mortgage. Whether this is for debt consolidation or home improvements, this is possible. It is also possible to take out a second mortgage on a second property but only if it is own use, the use of a family member, a holiday home or a Buy to Let.
To buy a property, the minimum deposit that you will need with high street lenders is usually 5%. This percentage can be higher if you have previous credit problems.
It will be harder but yes you can. You will have to show that you can afford a mortgage by putting down a higher deposit, perhaps 10% or 15% of the purchase price.
Yes, however, you must submit at least one years’ accounts. Most lenders use your salary + dividend to calculate the maximum mortgage, whereas other lenders could base it of your net profit.
If you are an employee, you will need to provide three payslips to prove your income. If you are self employed, you will have to prove for the latest 2 years’ accounts. Along with this, you must produce proof of ID, address and 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.