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Specialist Mortgage Advice in Doncaster

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7 days a week, 8am - 10pm

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Specialist Mortgage Advice in Doncaster

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Doncaster tailored for your individual financial situation.

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We look at solutions for specialist mortgages in Doncaster for complex situations.

Obtaining a mortgage is not always as easy as you might think initially and can involve a little creative thinking. As an mortgage broker in Doncaster well versed in complicated situations, there isn’t often a situation we haven’t encountered before, so it’s likely we’ll be able to help you out.

We have a vast number of mortgage lenders on panel, many of whom have specialist mortgage deals that cater to people who are maybe having a hard time getting a mortgage, due to not meeting standard mortgage criteria.

Having a Specialist Mortgage Advisor in Doncaster working with you through your mortgage situation, especially if it is a particularly complex one, can prove to be something that is beneficial to you in the long run.

It’s our job to ensure you come out the other side smiling and with the most appropriate mortgage deal for your individual circumstances. We aim to do everything we can to achieve this.

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Specialist Mortgage Advice in Doncaster

Our service may benefit you when looking for specialist mortgage advice in Doncaster.

We receive calls from customers on a regular basis who have been rejected by the high street bank at the very last minute. This sometimes happens when the mortgage process is already underway and then they’re dropped without much reasoning given.

In these cases, the banks mortgage advisors should’ve been able to prevent this at the outset by making sure you were right for that mortgage.

Because of the oversights of the banks, our customers can often be left out of pocket, causing understandable stress and frustration. Without being completely confident of lending criteria prior to your application, you could actually harm your chances of getting a mortgage full stop. Mortgages can be difficult!

Worry not, we have a lot of experience in dealing with customers who have complex situations, so if you are in a similar instance, please do feel free to get in touch and we’ll see how we can help. Book yourself in for a free mortgage appointment with a trusted mortgage advisor in Doncaster today.

What is bad credit for a mortgage in Doncaster?

Bad credit for a mortgage in Doncaster, as in many other places, typically refers to a situation where your credit history and score don’t meet the criteria set by mortgage lenders. It may include factors such as a low credit score, a history of late payments, defaults on loans or credit cards, a County Court Judgment (CCJ), bankruptcy, or other negative marks on your credit report. Having bad credit can make it challenging to qualify for a mortgage, and if you do, you may face higher interest rates or require a larger down payment.

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FAQs for Specialist Mortgage Situations in Doncaster

Can I remove a CCJ from my credit file in Doncaster?

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Yes, it is possible to remove a County Court Judgment (CCJ) from your credit file in Doncaster, as in any other location in the UK. To do this, you typically need to satisfy the CCJ by paying the outstanding debt within 30 days of the judgment being issued. Once the debt is paid, you can apply to the court for a Certificate of Satisfaction. This certificate, when presented to the credit reporting agencies, will lead to the removal of the CCJ from your credit report. If you fail to pay the CCJ within 30 days, it will remain on your credit file for six years, even if you later pay it off.

Do you require a specialist mortgage advisor in Doncaster?

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Whether you require a specialist mortgage advisor in Doncaster depends on your individual financial situation. If you have a straightforward financial history and a good credit score, you may not need a specialist advisor, and a regular mortgage advisor or broker may suffice. However, if you have a complex financial situation, bad credit, or unique requirements, a specialist mortgage advisor who is experienced in dealing with these situations can be invaluable. They can help you navigate the mortgage market and find lenders who are more likely to work with your specific circumstances, potentially increasing your chances of securing a mortgage.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

During your free mortgage appointment with a mortgage advisor in Doncaster, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Submit Your Mortgage Application

Step 3

Armed with an AIP, once you accept a purchase offer, your mortgage advisor in Doncaster will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

Reasons to Choose us

Free Mortgage Appointment

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This will come in super handy when it comes to your free initial mortgage appointment, as your report will give us a better idea of what you are like, your targets and the sort of deals that might be appropriate for where you are at financially and personally.

1000s of Deals

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Here at Doncastermoneyman we have a varied selection of specialist mortgage lenders on panel, each with their own specific mortgage lending criteria for us to match customers with in order to further their mortgage goals.

If you have any concerns your credit score, then it is highly suggested that you go about obtaining an up-to-date copy of your credit report.

Our Service

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Our team of mortgage advisors in Doncaster will use the knowledge and experience they have obtained over our many years within the mortgage industry, in order to recommend to our customers the best mortgage deal that matches their current situation.

As a company that has built up a reputation for providing clear & simple mortgage advice in Doncaster, we will be there every step of your mortgage journey. Contact us and get yourself booked in for your free initial mortgage appointment with a mortgage advisor in Doncaster.

7 Days a Week

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We are always on the side of the customer, working for them and always putting them first. During your mortgage process you are our responsibility and no matter what we will have your best interests at heart.

can provide, keeping you informed all throughout, and being as responsive as possible.

It’s our hope that by providing a service of this caliber, that you will go into your new home with a brilliant mortgage deal that matches up with your personal and financial circumstances.

Malcolm and Amy Davidson - Mortgage Advice in Doncaster

We Search 1000s of Specialist Mortgage Deals in Doncaster

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Specialist Mortgage Scenarios in Doncaster

An In-Depth Look at Specialist Mortgage Scenarios

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When a mortgage applicant is experiencing a difficult process and can’t seem to find a lender that will accept them, we will be here ready to provide them with expert mortgage advice and guide them through their journey.

As a mortgage broker in Doncaster that is both trusted and experienced within the world of mortgages, we have made contact with lots of customers over our tenure, all with very different mortgage scenarios to one another.

Property Down Valuation

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If you have had somebody come out and perform a property survey on your potential new home, only to discover that the offer you put forward (that ended up being accepted) is actually above how much the property is worth, you have on your hands a Property Down Valuation.

It is not impossible to work around something like this, it just makes it a lot more difficult and the chances are that your lender will just pull out of the deal. If you have the ability to make up the difference between your offer and the genuine value of the property, then you may have a slightly better chance of success.

Divorce & Separation Mortgage Advice

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If your relationship unfortunately starts to break down and you divorce or separate, sorting out any joint finances, like your mortgage, can be quite difficult to work with. You need to make sure you get this sorted as soon as possible, as the longer you leave it, the more challenging it will be.

Remove a Person From a Mortgage

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Following on from the aforementioned mortgage scenario, if you do happen to be getting divorced or separated, you will probably be wanting to remove your own name or your ex-partner’s name from the mortgage you are currently both on.

Depending on your affordability and your financial stability, both of your options will be limited going forward, as a lender prefers two incomes to one and will be reluctant to take some of their own security away.

Single Name Mortgages for Married Applicants

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If you’re married and in the market for a mortgage on a home for you and your partner, you’ll find that lenders would much rather that both applicants are named on the mortgage, though it is still possible to obtain a mortgage in only one of your names.

Shared Ownership

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The Shared Ownership Scheme is really useful for allowing mortgage applicants to only have a mortgage taken out as a share, at a percentage of the property. For the most part this will be between 25%-75%, though in some cases this might be different.

Whoever owns the share that is remaining, most likely to be a local authority, you will pay them back in rent at the same time you are paying off your mortgage to the lender.

Professional Mortgages

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Professional mortgages can only be accessed by very specific professions across the country. It is a particularly niche area of the mortgage market, so we would highly suggest that you get in touch with a specialist like ourselves to learn more about this.

Second Home Mortgages

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If you have any plans to take out a mortgage on a additional property, you will need to show the lender that you have the financial capabilities to cover the costs of two mortgage payments at the same time. This is something we can help you prepare for.

Holiday Home / Let Mortgages

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Holiday lets work in a similar way to buy to lets, though the difference is that buy to lets generally have long term tenants, whereas holiday lets normally only have short term tenancies.

This means that you may not be able to rent out your home at all during off-seasons if nobody is interested. Because of circumstances like this, the mortgage lender will need to have complete confidence that you can afford your mortgage payments no matter what, whether you have a tenant or not.

New Build Mortgages

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New builds can often cost a lot more money to invest in than properties of previous eras. If you’re finding it a little difficult to save up for your initial deposit, you could find a lifeline in using the Help to Buy Equity Loan Scheme as a way of finding your footing on the property ladder.

Non-Standard Construction Property Mortgages

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A ‘non-standard’ property is the name given to a property that is not built in a conventional way, i.e., with bricks or mortar.

For a home buyer to take out a mortgage on something like this, you will need to apply for a very specialist mortgage deal. We also greatly recommend that you get a full structural property survey if you’re looking to buy a home that is applies to this description.

Multiple Applicant/House of Multiple Occupation Mortgages

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HMO mortgages are a variation of buy to lets that usually have between 4-6 tenants, similar to that of student housing. HMOs are often challenging investments to work with. We would endorse looking at obtaining specialist buy to let mortgage advice in Doncaster prior to jumping in with a HMO.

Mortgages Past Retirement Date/Lifetime Mortgages

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You may have the option to release the equity that over time you have built up within your property. To convert that into cash, you’ll need to take out a lifetime mortgage, though this only applies to people past the age of 55.

We recommend that homeowners contact an experienced mortgage broker in Doncaster for specialist help when it comes to a mortgage situation like this.

Offset Mortgages

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Offset mortgages will put a savings account running simultaneously with your mortgage. This mortgage type is usually a really handy way of helping you access competitive interest rates and mortgage products with different mortgage lenders.

Mortgage Guides

Doncastermoneyman.com & Doncastermoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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