Read our 32 Reviews
If you are a First Time Buyer in Grimsby with the hopes of getting onto the property ladder, then our team will be more than happy to help you along your journey all the way to you getting the keys to your dream first home.
First time buyers, like yourself, may feel the home buying process a little bit overwhelmed and nervous and understandably so, which is why you will benefit from the help of a trusted Mortgage Broker in Grimsby like ourselves.
Rest assured, our Mortgage Advisors in Grimsby are here to put your mind at ease and reduce as much stress as we can. We will be by your side all throughout the entire process, to answer questions and concerns you may have.
Here at Grimsbymoneyman, we have helped many First Time Buyers in Grimsby get onto the property ladder and achieve their mortgage goals. Our customer service goes beyond just finding you the most suitable product.
If you are looking at buying your first ever home but are not sure whether you would be eligible for a mortgage, then you would truly benefit from contacting an expert Mortgage Advisor in Grimsby.
When you are prepared to start your mortgage application, mortgage lenders will assess your affordability. They will examine your annual salary and any other additional income you have, along with your outgoings.
Your lender will also check your credit history to make sure that you are managing your finances sensibly, and lastly, your deposit will also determine which mortgage deals are available to you. All of this will factor in the maximum amount you may be able to borrow.
As a Mortgage Broker in Grimsby, we have a massive in-depth understanding of the different mortgage lenders’ criteria. Utilising what they know, we can look at your income, expenditure, and credit history, for us to recommend the most suitable mortgage deal for your circumstances.
At this time, there is a selection of government schemes that are designed to help first time buyers in Grimsby get onto the property ladder. These include, but are not limited to, Help to Buy: Equity Loan Scheme, Lifetime ISA, and the Right to Buy Scheme.
You can find more information about these schemes by navigating to the guides section of our website or by visiting the government Own Your Home website.
Our team of fast & friendly Mortgage Advisors in Grimsby are acquainted with all the various government schemes that are currently available and will help answer all of your questions you may have in regard to any of these.
Across our multiple years of providing our customers with knowledgeable, Mortgage Advice in Grimsby, we managed to help many First Time Buyers in Grimsby get onto the property ladder.
Following we have compiled a general summary of the most popular scenarios we regularly meet when helping First Time Buyers in Grimsby.
In many cases, we find that First Time Buyers in Grimsby who tend to be early in the process will just be curious about the maximum amount they could borrow. We do have mortgage calculators on hand to help you gather a rough estimate, though these figures aren’t guaranteed.
Our mortgage advisors in Grimsby will be able to look at your case and help you to work out a more accurate maximum loan amount.
If you currently found your ideal first home and want to make an offer but need the help of an expert to do so, then our mortgage advice team in Grimsby will be happy to help you out with this.
We can also look at getting you a mortgage agreement in principle (AIP) also known as a decision in principle (DIP), to increase your chances of your offer being accepted.
If your offer was accepted, we can then start working on helping you with your full mortgage application. It is always better to speak with a Mortgage Broker in Grimsby before making an offer on any property.
Here at Grimsbymoneyman, we typically can obtain your mortgage agreement in principle within 24 hours of your appointment. If you are lucky, you could be looking on the same day.
As touched upon, we always recommend that you have an AIP/ DIP before you start making any offers. This shows the seller of the property that you are looking to buy that you are serious and, in a good position, to proceed with a mortgage.
If you have already spoken with your bank for a mortgage, but they have declined you, there is still a chance that we will still be able to help you out.
As an experienced and trusted mortgage broker in Grimsby, we work with various mortgage lenders, many of whom offer specialist mortgage products. We can review your circumstances and advise on the most appropriate path for you to take going forward.
If you are in the market for First Time Buyer Mortgage Advice in Grimsby, please feel free to get in touch via phone call or book your free mortgage appointment. We are available 7 days a week, from early until late, and will be happy to answer all of your mortgage queries and concerns. We look forward to hearing from you soon.
Here at Grimsbymoneyman, we have a terrific team of expert Mortgage Advisors in Grimsby, each of who have helped many First Time Buyers in Grimsby gets on the property ladder in Grimsby and surrounding areas.
Our Mortgage Advisor in Grimsby works 7 days a week from early in the day until late, making sure that we are available at a time that is appropriate for you. All of our customers benefit from our free mortgage appointment, which will generally be carried out over the phone or through a video call via Microsoft Teams.
If you are concerned that your situation is difficult, rest assured we have over 20 years of experience that offers expert Mortgage Advice in Grimsby. The probability of us coming across a situation we have never seen before, is extremely unlikely.
We are able to search through 1000’s of first time buyer mortgages in Grimsby, to find you the most suitable deal for your personal and financial circumstances. We will be there during the entire process and happily answer any questions you have, up until you get the keys and beyond!
As an open & honest mortgage broker in Grimsby, we aim to reduce as much stress as possible. Your dedicated mortgage case manager will keep you informed every step of the way, making sure you always understand what is going on, with jargon at a minimum.
Contact us now to book your free mortgage appointment and we look forward to helping you with your mortgage dreams.
4.97 Rating32 Reviews
Anonymous
Great service, would use again.
Lucy
Absolutely lovely team of people! Leo has been really friendly and helpful throughout the process! Would highly recommend.
Anonymous
great service, thanks
Bryn
Couldn’t recommend moneyman enough. Went from thinking we wouldn’t get a mortgage due to being told so by another broker, to getting approved for our dream first house. We dealt with tom and stacey, and both was brilliant. From the initial...
Angela
It is our 1st time getting a mortgage and they where extremely helpful. There was confusion at the the beginning that was there fault but our solicitors and estates agent and they where so helpful they couldn't do enough to help us and reassure us....
Patrick
Very nice and frendly Staff, helped me with anything i need. Thank you Patryk, Patrycja Datkiewicz.
Steven
Tom and Jo were very friendly and helpful throughout the process! They took the stress out of applying for our mortgage and we’re very quick to process everything. Highly recommend :)
Georgia
Tom & Jo did a fabulous job at helping us get our first mortgage, we weren’t sure whether we would qualify for a mortgage given that I had only been self employed for two years and had been turned down by other lenders. Both Tom & Chloe kept us up...
Kevin
Extreamly satisfied with the service. Ryan made us feel comfortable from the start, which made the whole process a little less daunting. Lyndsey was fab and answered any questions we had. Will be recommending to all in future!
Samantha
Huge huge huge Thankyou to Matt and Louise for securing me a mortgage on my first home. I never thought I’d be able to get a mortgage given a few issues with my credit rating but they worked tirelessly with different mortgage companies to ensure...
Jane
Excellent service and advice, made the process of securing a mortgage stress free and quick. Joe Dewsbury my mortgage advisor could not have been more helpful and Kayleigh Stewart my case manager was friendly, easy to comunicate with, quick and ...
Kyle
Very happy with the service provided by everyone on the team and the speed in which they got things mooving. Was always available when you was needed and made it hassle free for me, thankyou again and all the best. Kind regards, Kyle Thain.
kenneth
Matt Collinson and his team lead us through this process with effortless ease. Communication was always clear and we were kept up to date at each stage of the process. The team are polite and professional and nothing is to much trouble. We highly...
Ewan
Can’t recommend enough, especially if you’re a first time buyer like myself and have no idea what you’re doing. Leo and Laura were great throughout, they were in regular contact and always kept me in the loop with everything. No issue was too...
David
Great team from start to finish, kept me informed throughout. Wouldn’t hesitate to recommend them to anyone.
Darren
A big thankyou to Tomas Bowes, Chloe Masters and Jonathan Ventress for the arrangement of my mortgage. extremley proffesional throughout the process and always available to assist. Thankyou. Darren Gibbs.
Nay
Very prompt satisfactory response. Mr Wayne Dewsbury works really hard even in unsocial hours time. We feel liked they have tried much more than all their best throughout. Thank to all of them.
Ian
I would recommend them very much Leo did a fantastic job as did Chloe jo and Laura nothing was to much trouble for them
Wendy
Excellent service throughout. Matt and his team have been brilliant all through the process of obtaining our mortgage and kept us informed at all times. It has taken approximately five weeks from start to mortgage offer which in these uncertain...
Paula
Excellent service, very quick and efficient. We was kept informed every step of the way and they totally took all the stress of organising a mortgage away. Very professional service would totally recommend!
The free mortgage consultation will last approximately 30 mins. 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 30 mins 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.
A telephone test call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
