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The Moneyman team

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Malcolm and his mortgage experts

The best thing about our job as a Mortgage Broker in Leicester is helping our clients navigate through the often stressful experience of buying a home or remortgaging. It can be a complicated process and our clients love having someone on their side from start to finish to ensure they get the right advice.

 

We do pride ourselves on providing a highly responsive service, communication is everything in this job. We work from a large panel of well-known high street banks and building Societies to ensure our clients get the best deal available to them but we also work with smaller, more specialist Lenders too for when we come across clients who don’t “tick all the boxes”.

How does it work?Get a quote now

Malcolm Davidson

Amy Davidson

Chris Thompson

Charlie Bryson

Jason Loft

Leo Shakespeare

Matt Collinson

Mizna Alwan

Nathan Moore

Tom Bowes

Wayne Dewsbury

What our customers say

Common mortgage questions

Your free mortgage consultation in Leicester will last for about one hour. Your advisor will then recommend a mortgage for you and you can decide whether or not you wish to go ahead with it.

As your Mortgage Broker in Leicester, we will carry out a Fact Find to determine your needs prior to recommending a mortgage that is the most appropriate. 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.

We recommend that you obtain an Agreement in Principle ahead of viewing properties in Leicester, to avoid any potential disappointment. At the very latest we believe you should obtain one prior to making an offer to help with your bargaining position

An Agreement in Principle will usually last for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed with the assistance of your mortgage advisor.

You may possibly be able to get a second mortgage on your home for debt consolidation or Home Improvements. The usage of a second mortgages extends to using it for yourself, a family member, a holiday home or a Buy to Let in Leicester.

To purchase a house in Leicester, the minimum required deposit with High Street Lenders is usually around 5%, but this can be higher if you have had credit problems in the past.

If you have had problems with your credit, you can still get a mortgage, however, you may need to put down a higher deposit than usual, often 15% of the purchase price.

You are able to get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary plus dividend to calculate the maximum mortgage amount you can borrow, whereas others go off your net profit.

To prove your income amount, it’s usually the latest three payslips for an employee and the latest 2 years’ accounts for self-employed. On top of this, you will need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation will usually lasts up to an hour or so. Your mortgage advisor can turn around an agreement in principle within 24 hours of this consultation and a formal mortgage offer takes about three weeks on average in Leicester.

Leicestermoneyman.com & Leicestermoneyman 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 Leicestermoneyman

Leicestermoneyman – 3 Oswin Road, Leicester, LE3 1HR

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Malcom's Image

Our Managing Director Malcolm founded the company with his wife Amy in 2009. He still loves seeing customers to this day and he eats, sleeps and breathes Mortgages!

His real passion is to help customers get the best mortgage deal available to them and guiding First Time Buyers safely through the daunting process of getting onto the property ladder.

His most embarrassing moment came some years ago when he accidentally got locked in a customer's bathroom - don't ask!

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