Welcome to Nottinghammoneyman.com, your new home for Open & Honest Mortgage Advice in Nottingham. We are a Mortgage Broker in Nottingham dedicated to making your mortgage process stress-free and simple. Here is how our outstanding mortgage advice service works…
1. Once you get in touch through telephone, email or our contact form, we will get a few bits of information from you so that we can pair you to your perfect Mortgage Advisor in Nottingham.
2. Once we have located your Mortgage Advisor in Nottingham, we will get you booked in for your free mortgage consultation with them.
3. During your free mortgage consultation, your Mortgage Advisor in Nottingham will learn even more about you and your mortgage scenario. This will roughly last around 30-minutes. Once you have completed this step, your advisor will search through 1000’s of mortgage deals on your behalf in order to find the perfect one for you!
4. You can either choose to move forward with us and your perfect deal or go back to doing things on your own. It’s entirely up to you!
Our brilliant Mortgage Advisors in Nottingham are available from 8am – 10pm, 7 days a week. Out of office hours Mortgage Advice in Nottingham is now possible!
You can receive your free mortgage consultation at a time that best suits you. If you work the usual 9-5 that’s not a problem, we have got you covered. We always want to ensure that you have someone to speak to and that’s why our hardworking Mortgage Advisors in Nottingham work until 10pm, they want you to be able to speak to them at a time when you feel most comfortable.
When customers refer to our mortgage advice in Nottingham as “outstanding”, it paints a huge smile on all of our teams’ faces. We love hearing back from our customers, it shows that our service is valued and is beneficial for people struggling with their mortgage process.
If you want to see some of our reviews, feel free to take a look on our website or head over to Reviews.co.uk. We aim to uphold this great service for all of our existing and new customers. We hope that our reviews reflect the benefits of getting Mortgage Advice in Nottingham.
Unlike your bank who is limited to their own mortgage deals, our Mortgage Broker in Nottingham has access to 1000’s of products through our large panel of lenders. When you approach us, your customer experience is our number one priority. We will not make you wait weeks for an appointment, we will get you in contact with a Mortgage Advisor in Nottingham right away.
We want to deliver you a service with a personal touch, making that experience feel much more secure and easy-going. We don’t just want to find you a great mortgage deal, we want to go above and beyond for you. Our job is to guide you through the process and provide you with open and honest Mortgage Advice in Nottingham along the way.
Our Mortgage Broker in Nottingham covers all different kinds of mortgage situations. Whether you are a First Time Buyer searching for your dream home or are Moving Home in Nottingham for a fresh start, we are here to offer a helping hand!
Receiving Mortgage Advice in Nottingham from an expert like us could help you cross over the finish line with your mortgage application. We have over two decades of experience with working with specialist situations too; no problem is too big for us to take on. Get in touch with our team, today and we will see if your situation is something that we can help you with.
We would recommend that you check out our helpful mortgage calculator, it will give you a rough estimation of how much you’ll be able to borrow for a mortgage. If you want an accurate measure, make sure to get in touch for your free mortgage consultation.
We will always aim to be responsive, open, honest and friendly during every stage of the process. If you need any help, guidance or want to ask a question, make sure that you get in touch, our Mortgage Advisors in Nottingham will be more than happy to offer their assistance. We hope that you contact us soon!
Your free mortgage consultation with us will last around an hour. During this consultation, your dedicated Mortgage Advisor in Nottingham will get to learn a bit more about your personal and financial situation.
Once your consultation is finished, your Mortgage Advisor in Nottingham will go away and try and find you a perfect mortgage deal tailored to your circumstances. If you love the mortgage offer that they’ve picked out and want to continue, the next step is to submit your mortgage application!
Our mortgage process consists of multiple different steps: 1. Once you get in touch, we will have you carry out our Fact Find so that we can get a bigger picture of your mortgage situation. 2. You’ll undergo your free mortgage consultation, then your dedicated Mortgage Advisor in Nottingham will begin searching for mortgage deals that are tailored to your circumstances. If we find you an offer that you are happy to proceed with, we can get the ball rolling with your mortgage application. 3. We will perform a credit check on you in order to obtain an agreement in principle. Furthermore, we will get some evidential documents from you in order to back up your mortgage application. 4. We will submit your mortgage application and wait for a formal mortgage offer to be issued.
As a Mortgage Broker in Nottingham, we always advise applicants to obtain an Agreement in Principle before viewing properties. Firstly, you’ll need an Agreement in Principle to make an offer on a property. Secondly, having one in place could put you in a position to negotiate prices.
An Agreement in Principle typically lasts for 30-90 days. This timeframe may change depending on the lender that you are using.
If your Agreement in Principle expires, you can easily renew it by getting back in touch with your Mortgage Advisor in Nottingham or your lender.
It’s possible to obtain a second mortgage; as a Mortgage Broker in Nottingham, here are the most common reasons we see for people wanting a second mortgage:
– Debt consolidation
– Home Improvements
– Buy to Let
– Other, e.g. for a Family Member, Holiday Home, etc.
High street mortgage lenders will usually ask for a minimum of a 5% deposit. This percentage may be higher depending on if you’ve had previous bad credit issues.
If you’ve had bad credit issues in the past, you may find it a little harder to get a mortgage, but that isn’t saying you still can’t get one!
Lenders may ask for a slightly higher deposit if you’ve had bad credit in the past. Some lenders may ask for a deposit of around 10-15%.
If you are able to submit at least one year’s of accounts, the more likely you are of being able to obtain a mortgage. Most of the lenders that we use look at your salary plus dividend to calculate the maximum mortgage amount. Others may go off your net profit, it all depends on the lender.
Your free mortgage consultation in Nottingham will usually last around an hour. Following the consultation, we can turn around an Agreement in Principle for you within 24-hours. Now it’s just the case of submitting your mortgage application. A formal offer can take around three weeks on average to come back.