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 in Nottingham will likely last around one hour. After the initial mortgage consultation, our Mortgage Advisors in Nottingham will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage recommendation that is offered to you.
As your mortgage broker in Nottingham, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Nottingham. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit when purchasing a house in Nottingham with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage in Nottingham but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.