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Specialist Mortgage Advice in Grimsby

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01472 289768

Declined by the Bank? We Might be Able to Help!

Often obtaining a mortgage is not a straightforward process and you’ll often find that you’ll need Specialist Mortgage Advisor in Grimsby by your side to help. Here at Grimsbymoneyman, we use all of our experience and in-depth knowledge of the mortgage industry to try and get by any mortgage hurdles that we are faced with. Even if your situation is complicated, we love a good challenge so don’t hesitate to give us a call!

 

We are aware of all the mortgage schemes and products available and will be happy to discuss these in detail with you.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Frequent topics we’ve encountered include:

This list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, in which case please get in touch as we’d still love you help you through the mortgage process.

  • Sale Under Value Mortgages
  • Divorce Mortgage Advice
  • Remove a person from a Mortgage
  • Shared Ownership
  • Single Name Mortgages for Married Applicants
  • Professional Mortgages
  • Second Home Mortgages
  • Holiday Home Mortgages
  • New Build Mortgages
  • Non-Standard Construction Property Mortgages
  • Multiple Applicant Mortgages
  • Mortgages Past Retirement Date
  • Offset Mortgages

Complex Situation? – We can try and help!

We deal with customers frequently who have been turned away by their high street bank. Often these customers can be weeks into their mortgage process and then get turned away. These issues should be picked up at the outset by the banks’ mortgage advisor, and can in some instanced lead to the customer losing money or even their property.

 

Without being 100% sure of lending criteria before submitting your mortgage application could be jeopardising your chances of getting a mortgage altogether. This is where our experience comes in. With our extensive knowledge of our lenders’ criteria, it is our job to get it right the first time!

 

Contact us to book your free specialist mortgage consultation

Why choose Grimsbymoneyman as your Specialist Mortgage Broker in Grimsby?

  • We deal with a specialist mortgage case every single day at Grimsbymoneyman. It is more than likely that we have come across a similar situation before and we know exactly how to get over the mortgage hurdles that you are facing.
  • Our excellent service is shown by outstanding customer reviews. We love it when our happy customers give their feedback on our service, it’s one of the best things about our job as a Mortgage Broker in Grimsby.
  • We are available from 8am-10pm all week! This means that you can speak to a Mortgage Advisor in Grimsby when it’s most convenient for you.
  • We always stick to our core company values, they are very important to us. We are always responsive and caring, making sure that you feel comfortable during every point of the process whilst also delivering a fast and friendly mortgage advice service. We are also always open and honest with you, we will always try to find you a perfect deal for your personal and financial circumstances.

What our customers say

Common mortgage
questions

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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in Manchester!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

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.

Handy quick links

Grimsbymoneyman.com & Grimsbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Grimsbymoneyman

Grimsbymoneyman, 13 Dudley Street Business Hive, Grimsby DN31 1UL

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