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Moving Home Mortgage Advice in Doncaster

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We Take the Stress Away From Moving Home!

It is said that moving to a new house is one of the most stressful situations that you can expect to go through in life. It is our job to take some of this stress away and make sure that your mortgage application runs as smoothly as possible. Providing help and guidance throughout the whole process.

 

As an open & honest Mortgage Broker in Doncaster, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our advisors have your best interests at heart.

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

 

How does it work?Get a quote nowMeet your advisor

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

Mortgage Lenders 007

Frequent Situations for Home Movers

  • You are considering moving and would like an idea of how much you can borrow?
  • You would like to work out your budget and what your monthly mortgage payments would be?
  • You’ve had an offer accepted and would like to start the mortgage process?
  • You’ve tried to obtain a mortgage from your Bank but have been unsuccessful?
  • You are considering switching your current mortgage to a Buy to Let and make an ongoing residential purchase for your new home?
  • You have complex/unusual situations and would like some expert mortgage advice?

 

If your situations aren’t listed above and are more unusual/complex, make sure to contact us today to book your free mortgage consultation.

Why choose us?

As an open & honest Mortgage Broker in Doncaster, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our advisors have your best interests at heart!

  • We aim to reduce your stress levels on both the sale of your current home, as well as the purchase of your new one.
  • Our advisors work hard alongside you to ensure the entire process goes through as smoothly as possible.
  • If things are a little complex we may still be able to help, as we work with many specialist lenders.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Doncaster 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 trusted mortgage broker in Doncaster, we carry out a Fact Find to establish your personal mortgage needs before we recommend the most suitable mortgage for you and your situation. A credit check is then required for an Agreement in Principle that we’re able to offer. 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 Doncaster. 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 Doncaster with High Street Lenders is typically around 5%. This can be higher if you have had previous credit problems but will depend on the lender.

If you’ve had credit problems in the past you are still able to get a mortgage but you may possibly be required to put down a higher deposit than usual for the property, 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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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

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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.

© 2020 Doncastermoneyman

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

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