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Specialist Mortgage Advice in Sunderland

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0191 543 9498

Declined by the Bank? We Might be Able to Help!

Getting a mortgage should be a simple affair, but many times, it is not.  Mortgage brokers like us can search 1000s of products to try and find you the best mortgage for your circumstances. As Mortgage Advisors in Sunderland, providing specialist mortgage advice is what we do best.

 

Don’t be put off by complex criteria

We work with a wide range of lenders, some of which offer specialist mortgage products, with varying lending criteria.

 

Our experienced and knowledgeable mortgage advisors will do everything to help. Even in unusual circumstances.

 

Our goal is a simple one. To offer a 5-star mortgage advice service and find you the best product tailored to your circumstances.

 

How does it work?Get a quote nowMeet your advisor

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

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Specialist Mortgage Advice in Sunderland

When a customer is seeking the best Specialist Mortgage Advice in Sunderland, we often get approached by many who are after our guidance and advice on various topics seeking guidance. Whatever your situation, we’ll try our best to find the most fitting solution for your circumstances.

Frequent topics we’ve encountered include:

  • Marital status i.e. married buying in sole name, divorce, separation.
  • Credit score troubles?
  • Income mix, i.e. salary, dividend, benefits, drawings, net profit etc.
  • Buying directly from your landlord.
  • Buying from or with a family member.

 

The above list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, in which case please get in touch as we’d still love to help you through the mortgage process.

 

Contact us to book your free specialist mortgage consultation

In need of a Specialist Mortgage Advisor in Sunderland?

  • We’re open and honest with our customers.
  • Also, we offer our customers a free mortgage consultation.
  • Our Mortgage Advisors in Sunderland is fully equipped and able to handle complicated situations on a regular basis.
  • We have special connections with specialist mortgage lenders to find you the best deal.
  • We know our criteria and very experienced in mortgages.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.

 

Check out our feedback at Reviews.co.uk and see why so many people choose us when looking for a buy to let mortgage.

 

For the best Mortgage Advice in Sunderland, talk to us. We are available 8 am – 10 pm 7 days.

 

As your Mortgage Advisor in Sunderland, we are here to help you.  Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

Your free initial mortgage consultation with a mortgage advisor in Sunderland will last round about one hour. They will then recommend a mortgage for you, wherein you have no obligation to proceed and you can decide whether or not that particular deal is something you’d like to go forward with.

As a trusted and well experienced mortgage broker in Sunderland, we will first carry out a Fact Find to establish your personal needs, before we begin searching and recommending the most suitable mortgage for you. A credit check will be required for an Agreement in Principle. A formal mortgage offer can be issued once you have provided all the relevant documentation and a valuation of the property has been undertaken.

To avoid any kind of disappointment with a property, we recommend you obtain an Agreement in Principle before you begin property viewings in Sunderland. We would say that at the very latest, you should obtain one before you start to make offers, in order to assist your bargaining position.

A standard Agreement in Principle typically lasts for around 30 to 90 days depending on the Lender. If your Agreement in Principle expires, you can get it easily refreshed.

You may have the option of getting a second mortgage on your home for things like debt consolidation or Home Improvements. This can also be possible if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit for purchasing a home in Sunderland with a mortgage lender is typically 5%. This figure can possibly be higher if you have had previous credit problems.

If you have had credit problems previously in life, you may still have a chance at obtaining a mortgage, but you may be required to put down a higher deposit than usual. This could be be 15% of the property purchase price.

Once you have submitted at least one year’s accounts to the lender, you may be eligible for a mortgage. Most Lenders will calculate the maximum mortgage with salary plus dividend, whereas others sometimes go off your net profit.

A lender will usually need three payslips for an employee to prove income and the latest 2 years’ accounts for an applicant who is self-employed. You will also need to provide them with proof of ID, address and 3 months’ bank statements.

Your free consultation with a mortgage advisor in Sunderland will typically lasts up to an hour or so. We have the ability to turn round an agreement in principle within 24 hours. A formal mortgage offer has been known to take roughly 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 in Sunderland!

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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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.

© 2021 Sunderlandmoneyman

Sunderlandmoneyman – Hope Street Xchange, 1-3 Hind Street, Sunderland, SR1 3QD

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