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Fast & Friendly Mortgage Advice in Sunderland

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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We love providing Mortgage Advice in Sunderland all our customers – It is not just about finding a Mortgage; it is about your Home-Buyer journey. Our team will be with you every step of the way.

For your FREE mortgage consultation call 0191 543 9498

About Us

For your FREE mortgage consultation call 0191 543 9498

Malcoms Image

We love providing Mortgage Advice in Sunderland all our customers – It is not just about finding a Mortgage; it is about your Home-Buyer journey. Our team will be with you every step of the way.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Fast & Friendly Mortgage Broker in Sunderland

Welcome to Sunderlandmoneyman.com, the online home of your Mortgage Broker in Sunderland. Our team of experienced and respected Mortgage Advisors in Sunderland will aim to provide you a clear and simple Mortgage Advice service in Sunderland & Surrounding Areas.

 

As a part of your fast & friendly service, you will be assigned a Mortgage Advisor who will join you on your mortgage journey. Through our many years of helping customers achieve their home owning dreams, we have encountered various different scenarios ranging from easy to more difficult. In most of these cases, we are able to persist and succeed. This means if you have a difficult situation and are struggling, your dedicated Mortgage Advisor in Sunderland will most likely be able to help you through.

 

Over time we find that most customers will return for further Mortgage Advice in Sunderland, whether this be down to Moving Home, looking to Buy to Let or approaching the time for a Remortgage. This is down to our upfront, transparent, and reliable service, something reflected in our genuine Customer Reviews. Our team are always motivated and ready to go, with the notion they are able to help customers pursue their goals successfully.

 

Part of our service providing Mortgage Advice in Sunderland includes looking at Specialist Mortgage cases regularly. We are able to look at a great variety of deals for people who fit this criteria, thanks to the large number of Specialist lender we have on panel. Our Mortgage Advisors work hard for you, to ensure you receive the most appropriate deal for your individual circumstances.

 

Appointment times are never usually an issue with a flexible Mortgage Broker in Sunderland like us. We have Mortgage Advisors available from 8am until 10pm, every day of the week. If you have a busy day job or family life, we are happy to work around you and choose a date and time that best suits you. This schedule even includes some bank holidays; For updates on these as the year goes on, you can follow us on Facebook and Twitter.

Experienced Mortgage Advisors in Sunderland

We often notice with customers we speak to, that the majority have been turned away by the bank. Over the years as a Mortgage Broker in Sunderland, this has happened thousands of times, so if this has happened to you, do not worry. In a lot of cases, the banks will not always fully explain their decision to pass on a mortgage for you, leaving you unaware of exactly how to better yourself for a future attempt at a mortgage application.

 

There are many different reasons this could occur, from the value of the property being lower than the amount wanted to borrow, to the bank simply having no free appointments. There are many more reasons this has happened and whilst it can leave you feeling lost, rest assured that as an experienced Mortgage Broker in Sunderland, we will be able to compare you against thousands of mortgage deals and see if the right one is out there for you.

 

With an in-depth knowledge of the various lenders mortgage criteria, our Mortgage Advisors are able to provide top level Mortgage Advice in Sunderland, seeing you through the process from the start, right through to the end.

Be Mortgage Ready – Speak with a Mortgage Advisor in Sunderland!

We are loyal to our customers, straying away from any working relationships with banks, estate agents or building societies. As an honest Mortgage Broker in Sunderland, we only take your best interests into account and do what we can to further your chances of obtaining a mortgage. No matter how difficult the process may feel, you can always rest assured that you will have your dedicated Mortgage Advisor in Sunderland by your side, as well as a respected member of our fantastic administrative team. One of these will always be on hand to answer any concerns or lingering mortgage questions you have.

 

As part of our service, you will always remain in the loop about the progression of your mortgage. If there are any updates or changes to be made, your dedicated Mortgage Advisor in Sunderland will always make sure to let you know as soon as possible. If any further documents are needed to assist with your application, you will also receive a prompt call from your advisor to inform you of this.

 

It is always recommended to be ahead of the curve by getting in touch with an expert Mortgage Broker in Sunderland like us. Once an appointment has been made and the ball is rolling with a Mortgage Advisor in Sunderland, you will be able to take full advantage of the services we offer here at Sunderlandmoneyman. If you need someone to take a look at budget ideas with you, then this is something your dedicated Mortgage Advisor will be able to look at with you.

 

We are also able to arrange a Mortgage Arrangement in Principle, something we can usually offer within 24 hours of your initial call. These are incredibly handy to keep, as they support any offers you make on a property, showing the seller that you are serious. If it expires, you are able to have this refreshed.

 

To give you a rough idea of what your monthly mortgage repayments may be, please feel free to utilise our free Mortgage Calculator. Though based on an estimate, this allows anyone who uses it to discover how much they could be looking at paying, depending on their circumstances.

 

Our experienced team of Mortgage Advisors in Sunderland are available from 8am until 10pm, from Monday to Sunday, to provide open & honest Mortgage Advice in Sunderland. If you have any mortgage questions or would like to get started on the mortgage process, please feel free to Get in Touch with us.

Mortgage advice in Sunderland – Options:

First Time Buyer Mortgage Advice Sunderland

We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Sunderland

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Sunderland

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

Mortgage Lenders 007

Common mortgage questions

Your free mortgage consultation in Sunderland 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 Sunderland, 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 Sunderland. 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 Sunderland 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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Sunderlandmoneyman.com & Sunderlandmoneyman 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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