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Specialist Mortgage Advice in Leicester

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

Just like a lot of other things in life, getting a mortgage in Leicester is not always as simple as it should be. When you need a specialist mortgage, you need to make use of the skills belonging to a team like our excellent Mortgage Advisors in Leicester in order to secure the best deal in the least amount of time. As knowledgeable mortgage advisors in the Leicester, no matter what type of specialist advice you are looking for, we will able to help.

 

Don’t be put off by complex criteria

All mortgages have different lending criteria applied, depending upon which lender you go to.

All will use a variety of methods and processes to decide on whether or not to provide you with a specialist mortgage in Leicester.  But don’t get too worried about this; we have strong relationships with many mortgage companies and are able to trawl the specialist mortgage lenders until we find one to suit you. No matter how complex your situation or the difficulties that you have faced in the past trying to locate a special type of mortgage, we can usually solve your problem.

 

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 Leicester

When a customer is seeking the best Specialist Mortgage Advice in Leicester, 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.
  • Buying directly from your landlord.
  • Credit score troubles?
  • Income mix, i.e. salary, dividend, benefits, drawings, net profit etc.
  • 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 Leicester?

  • We’re open and honest with our customers.
  • Also, we offer our customers a free mortgage consultation.
  • Our Mortgage Advisors in Leicester 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.
  • Please read our reviews from our amazing customers at Reviews.co.uk.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.


Contact us to book your free specialist mortgage consultation

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.

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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 Leicester!

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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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

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