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Mortgage Broker In Wadworth

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A Mortgage Advisor in Wadworth you can Trust

Welcome to our mortgage broker website in Wadworth. Our trusted team of mortgage advisors are here to help you every step of the way, through your home purchase or remortgage.

We pride ourselves on our mortgage advice service so please feel free to look at our genuine customer reviews at Reviews.co.uk.

Unlike a lot of larger mortgage advice companies, we are a smaller and experienced team of friendly mortgage brokers, we are here to answer all your enquiries.

We can search thousands of mortgage products to find you the best deal based on your individual circumstances.

Whatever your personal mortgage situation, we’d love to try and help.

All Mortgage Situations Considered

First Time Buyer Mortgage Advice in Doncaster
Moving Home Mortgage Advisors
Remortgage Advisors in Doncaster
Buy to Let Mortgages
Self Employed Mortgage Advice
Help to Buy Mortgage Advisor
Right to Buy Mortgage Advice
Specialist Mortgage Advice in Doncaster

Why Us?

We don’t work with estate agents, banks or builders.
We have only your interests at heart.
Doncastermoneyman is authorised and regulated by the Financial Conduct Authority.
We are able to search 1000’s of mortgage deals on your behalf.
Our advisors have experience dealing with various mortgage situations.
We stay up to date with all lending criteria.
We offer all customers a free initial mortgage consultation.

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

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About Us

We take a great deal of pride, at our Mortgage Broker in Wadworth, in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a Mortgage Advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Wadworth on Social Media

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 new from our Mortgage Advisors in Wadworth that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice

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. Our Mortgage Advisors in Wadworth will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

Help & Support

We will help and support you throughout the whole process with fast and friendly Mortgage Advice in Wadworth, helping you over any hurdles which may arise. 7 Days a Week.

Open & Honest

We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.

Read Our Reviews

Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.

Open 7 Days

Our Mortgage Advice service is available mornings, evenings & weekends. We are here at a time that suits you and your family.

Mortgage Advice

Unlike a Bank, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances.

Common Mortgage Questions

You will typically be required to have at least 5% of the sale price of your new build property in Doncaster as a deposit. The Government will then loan you up to 20% to the properties value as an additional amount, bringing your deposit up to 25% and potentially lowering monthly repayments. It’s important to remember though, that this is in fact a loan and will need to be paid back.

Lenders will often use the discount provided by the council as your deposit. In some cases though, there are lenders out there who will require you to put down an additional amount as a deposit, on top of the discount. This can be the case if you’ve been struggling with any particular credit problems. Our dedicated and hard working Mortgage Advisors in Doncaster will do their best to answer your right to buy deposit questions.

Though the required amount can typically vary between 20%-40%, the minimum deposit for a buy to let mortgage is around 25% of the properties value.

If you are on your lenders SVR (Standard Variable Rate of Interest), you increase your chances of saving money. We will help you compare new products that are available against your current mortgage deal, in order to work out these potential savings for you. If you have any existing equity in your property, a remortgage would also allow you to release some of this money for any purpose. We usually see homeowners using this for things like home improvements.

If you have built up any unsecured debts at any point, you may have the option of taking out a remortgage to cover these debts and pay them off, by increasing the size of your mortgage. This is not something we advise rushing into though, as there are some downsides. We would highly suggest that customers always seek Mortgage Advice in Doncaster before consolidating their debts!

Your initial free remortgage consultation in Doncaster will last approximately one hour. We will then compare a new deal against your current product and recommend the most appropriate deal for your personal needs, with no obligation for you to proceed. It’s then completely up to you to decide whether or not you go ahead with the mortgage.

The fees involved in your remortgage process will be similar to the ones you would’ve had when you started your existing mortgage. Your dedicated Mortgage Advisor in Doncaster will take the time to run through all of the fees with you. They will take these fees into consideration when comparing the savings of the new deal versus your current mortgage.

Your free initial mortgage consultation in Doncaster will last roughly one hour. We will then be on our way to recommending a mortgage for you, where you have no obligation for you to proceed. If you’d rather not take it and step back for a time, you have every right to do so.

Your mortgage advisor in Doncaster will carry out a Fact Find to establish your personal mortgage needs, before recommending the most suitable mortgage for your situation. A credit check will then be required in order for you to obtain an Agreement in Principle, which we are able to help with. Once you have provided the lener with all the relevant documentation, and you have had a valuation of the property completed, a formal mortgage offer can then be issued.

To avoid finding yourself disappointed when viewing and making offers on properties, we recommend you obtain an Agreement in Principle ahead of time. At the very latest, we recommend that you obtain one prior to making an offer, as this will assist your bargaining position.

An Agreement in Principle will usually last for between 30 and 90 days depending on the Lender that you are with. If your Agreement in Principle expires, you can easily have it refreshed.

You may have the option of taking out a second mortgage on your home for things like debt consolidation or any potential Home Improvements. It may also be possible to take out a mortgage on a second property to use on yourself, for a family member, a holiday home or even a Buy to Let.

The minimum deposit a lender will require when purchasing a house in Doncaster is around 5%. This figure can possibly be higher if you have had previous credit problems, but entirely depends on the lender.

If you’ve had credit problems previously, you may still have a chance at getting a mortgage, but you may possibly be required to put down a higher deposit than for the property than you might have if you had with good credit. This can often be 15% of the property purchase price.

You are able to get a mortgage, once you have submitted at least one year’s accounts. The majority of Lenders use your salary plus dividend to calculate the maximum mortgage amount you can borrow, whereas others will go off your net profit.

You’ll generally be required to send three payslips if you are a standard employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, proof of address and the previous 3 months’ bank statements.

The free mortgage consultation that you receive when getting in touch, will typically last up to an hour. We can help you obtain an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking on average about three weeks.

Doncastermoneyman.com & Doncastermoneyman 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 Doncastermoneyman

Doncastermoneyman, 3 Cavendish Court, South Parade, Doncaster, DN1 2DJ.

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