Welcome to Grimsbymoneyman.com, we’re a 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
The free mortgage consultation will last approximately an hour. When your Mortgage Advisor in Grimsby has evaluated the situation, they will advise a mortgage for you with no obligation for you to begin the process. From this, you can decide if you want to proceed with us or not.
An agreement in principle usually lasts between 30 and 90 days but this can change depending on your lender. You can renew your agreement in principle if it expires.
Before you start viewing a property in Grimsby, we always suggest that you obtain an agreement in principle. If you want to be prepared ahead of time, you need to get one before making an offer.
The process of a trusted Mortgage Broker in Grimsby starts by conducting a fact find to support your needs before recommending a mortgage deal. When a Mortgage Advisor has evaluated your situation, they will carry out a credit check on you, this is needed for an agreement in principle. A formal mortgage offer can be provided when you have evidenced all of the relevant documentation and a valuation of the property has been completed.
You can get a second mortgage even if this is for debt consolidation or home improvements. You may have the choice to take out a second mortgage on a second property for your own use or a family member’s use, a holiday home or a Buy To Let.
The minimum deposit that you will need to buy a property with high street lenders is usually 5%. If you have previous credit problems, this percentage can be higher.
Due to having previous credit problems, it may be harder, however it isn’t impossible. To show you can afford a mortgage, you will need to put down a higher deposit, probably 10% or 15% of the purchase price.
If you are self employed, you can still get a mortgage however you must provide at least one years’ accounts. To calculate the maximum mortgage, the majority of lenders would use your salary + dividend, whilst 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.
You will need to provide three payslips if you are an employee to prove your income, though you will have to provide the latest 2 years’ accounts if you are self employed. As well as this, you must provide a proof of ID, address and 3 months’ bank statements.
The process of our free consultation can last up to an hour and when it comes to an Agreement in Principle, we can have this ready for you within 24 hours. A formal mortgage offer has been known to take about three weeks on average.