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Mortgage Broker in Ripley

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A Mortgage Advisor in Ripley you can Trust

Welcome to our mortgage broker website. 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.

Why Us?

We don’t work with estate agents, banks or builders.
We have only your interests at heart.
Harrogatemoneyman 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:

Mortgage Lenders 007
 

How do I transact with my Mortgage Broker in Ripley?

You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call, we may be able to help!

Why shouldn’t I go to my bank for Mortgage Advice in Ripley?

The banks’ mortgage advisors are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing mortgage advice to customers with a variety of situations.

My bank turned me down – Will you be able to get me a mortgage?

Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.

1

We’ll help and support you anytime you need us, 7 days a week! The home buying process isn’t always easy, we’ll help you over any hurdles you face.

2

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

3

Please read our genuine customer Reviews at Reviews.co.uk. Your service is really important to us!

4

Mortgage advice is available morning, evening or at the weekend. We’re here at a time that suits you and your family.

5

We’re not like a bank – We’re able to search 1000’s of mortgage deals in order to recommend the best one for you!

Common Mortgage Questions

You will need to have at least 5% of the sale price of your new build property in Harrogate. The Government will then loan you up to 20% to the properties value.

The discount provided by the council will often be used by lenders as your deposit. Some lenders, however, will require you to put down a deposit in addition to the discount. This is sometimes the case if you’ve been struggling with credit problems. Our Mortgage Advisors in Harrogate are able to answer your right to buy deposit questions.

Though it can vary between 20%-40%, the minimum deposit for a buy to let mortgage is usually 25% of the property value.

Your chances of saving money go up if you are on your lenders SVR (Standard Variable Rate of Interest). We will compare the new products available against your current mortgage deal, in order to work out these savings for you. If you have equity in your property, a remortgage would also allow you to release some of this money if required. Usually, this is used for things like home improvements.

You can remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Please do not rush into this though as there are some downsides. We recommend that customers always seek Mortgage Advice in Harrogate before consolidating debts!

Your initial free remortgage consultation in Harrogate will last around 1 hour. We will then compare a new deal vs your current product and recommend the most appropriate one, with no obligation to you. You can then decide whether you wish to go ahead with the mortgage, or take a step back.

The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Mortgage Advisor in Harrogate will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.

Your free mortgage consultation in Harrogate will last round about one hour. We 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.

As your Mortgage Broker in Harrogate, 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 Harrogate. 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 in Harrogate 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 Harrogate 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 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.

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Harrogatemoneyman.com & Harrogatemoneyman 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.

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