Welcome to your expert Mortgage Broker in Scunthorpe, providing you with Open & Honest Mortgage Advice for all Mortgage Situations. We aim to deliver fantastic customer service to everyone who comes to us.
Feel free to take a look at our amazing online customer reviews from people who have come to us for help and we have gone above and beyond to match their mortgage needs.
Are you a First Time Buyer searching for that amazing first home? Or a current home-owner debating moving home? We would love to help! Our service will prove highly beneficial for anyone seeking expert Mortgage Advice in Scunthorpe. Delivering you advice with Remortgaging, Buy to Let Mortgages, Help to Buy and even general mortgage problems.
As a trusted & respected Mortgage Broker in Scunthorpe, we like to make sure that you come out with a smile on your face.
Our fantastic team of Mortgage Advisors will search through thousands of mortgage deals for you and compare them to find the best one for your individual situation. It is more than likely that we have already dealt with a similar situation. So even if you consider your circumstances to be complicated, please don’t hesitate to give us a call.
Being experts within the mortgage world we will most likely be able to help you with anything mortgage related!
If you are new to the whole home buying process or haven’t moved in a while, we think our service will prove highly beneficial to you. We know that purchasing a new home isn’t always easy! We’ll help guide you through the full process and try to overcome any hurdles that we are faced with.
We know that obtaining a mortgage isn’t always easy, which is why we are available 7 days a week to answer any of your mortgage question.
You can get help and guidance from an excellent Mortgage Advisor in Scunthorpe 7 days a week. If you need to talk, we will always be at the other end of the phone or waiting for your email enquiry.
We recommend that you speak to an experienced Mortgage Broker like us before viewing houses with an estate agent. This is because we can give you an idea of your budget and have a mortgage agreement in principle document ready to support any offers you make.
As a knowledgable Mortgage Advisor in Scunthorpe, we will search through thousands of both residential and Buy to Let mortgage deals on your behalf.
We recommend that you speak to an experienced Mortgage Broker in Scunthorpe, like us before viewing houses with an estate agent. This is because we can give you an idea of your budget and have a mortgage agreement in principle document ready to support any offers you make.
Gaining mortgage advice early can put you in a prime position when competing against other buyers. You will get in front of people who haven’t been as organised as you. Letting you secure that perfect mortgage deal quicker than you expected.
We are incredibly proud of the level of customer service we provide, it’s at the heart of everything we do for our customers. Whether you’re in contact with a mortgage advisor or an administrator, our brilliant team are available all throughout the week until late, to support you and your mortgage needs. We love being responsive to your enquiries!
We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.
You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.
We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
You can increase the size of your mortgage to to pay off unsecured debts through remortgaging. However, always seek Mortgage Advice in Grimsby before consolidating your debts!
When you remortgage, you are likely to be able to save money if you are on your lenders SVR (Standard Variable Rate of Interest). To work out these savings for you, we will compare any new products available against your current mortgage deal. A remortgage would also allow you to release some of this money if required for home modifications.
For your new build property in Grimsby, you will need to have at least 5% of the sale price. From this, The Government will then loan you up to 20% to the properties value.
The majority of lenders will use the discount as a deposit for your mortgage. In some cases, lenders will require you to provide a deposit to add to the discount. This usually happens when you have credit issues. If you have any right to buy deposit questions, get in touch with our Mortgage Advisors in Grimsby.
The minimum deposit for a buy to let is usually 25% of the property value, however, this can vary between 20%-40%.
The consultation will last around 1 hour. From this, we will compare a new deal against your current product and advise the most suitable with no obligation. This means you can decide whether you want to proceed or not.
Yes, however these will be similar to the ones involved when you started your current mortgage. Your Mortgage Advisor will run through all of the fees with you, taking these into consideration when comparing the savings of a new deal against your current mortgage.
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.