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Specialist Mortgage Advice in Sunderland

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Declined by the bank? Let us see how we can help!

Obtaining a mortgage should always be fairly straightforward to approach. Ensure you have a good credit history, have the right documents, make sure you are able to afford and commit to a property. There’s of course more to it, but being sensible and following guidance like that will generally put you in a good place to obtain a potential mortgage.

 

From time to time though, something may crop up that causes problems for budding home buyers, be it something personally or even simply being rejected by the bank for not meeting their criteria.

 

An experienced and well-respected mortgage broker like Sunderlandmoneyman is able to search through 1000s of mortgage products in order to try and find you the best we can. As mortgage advisors in Sunderland, providing specialist mortgage advice is something we excel at.

 

Don’t be put off by complex criteria

As a mortgage broker in Sunderland with a strong reputation across the market, we have a large range of mortgage lenders on panel, some of which have very niche, specialist mortgage products on offer to customers, with the variances being in their mortgage lending criteria.

 

Our experienced and knowledgeable mortgage advisors will work hard, doing everything they can to help you, from the beginning of your journey, right the way through to completion. We’ll do our best to support you even through unusual circumstances, hopefully resulting in mortgage success.

 

The goal of our dedicated mortgage advice team is a simple one; to offer all customers who get in touch the highest level of mortgage advice in Sunderland that we can, guiding you through each step and finding the best product for you that we can, tailored to your personal and financial position.

 

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 looking across the market to find high tier specialist mortgage advisors in Sunderland, we often find ourselves being approached by many of them who are expert mortgage advice and guidance throughout their mortgage process.

 

No matter what situation you’re in at the moment, we’ll work hard to try and find the most fitting solution, clearing any hurdles that we can along the way.

Here is a list of Specialist Mortgage Products we are able to help you with:

  • Right to Buy Mortgages
  • New Build Mortgages
  • Buy to Let Specialist Mortgages
  • Non-Standard Construction Property Mortgages
  • Multiple Applicant Mortgages
  • Mortgages Past Retirement Date
  • Divorce/Marital Split Up Mortgage Advice
  • Remove a Person / Name from a Mortgage
  • Poor Credit Mortgages
  • Shared Ownership Mortgages
  • Sale Under Value Mortgages
  • Single Name Mortgages for Married Applicants
  • Professional Mortgages
  • Second Home Mortgages
  • Holiday Home Mortgages
  • Government Help to Buy Mortgage Schemes
  • Forces Help to Buy Mortgages
  • Offset Mortgages

 

This is not all there is to the mortgage world, so if you don’t see your personal situation listed above, then please do not hesitate to give us a call so we can have a chat about what is going on, what you’re looking to do and how we may be able to help.

 

Get in touch to book your free specialist mortgage appointment.

In need of a Specialist Mortgage Advisor in Sunderland?

We have a large amount of specialist mortgage lenders on panel, all with their own unique mortgage lending criteria. It is the job of our trusted mortgage advice team to utilise the knowledge and experience we have acquired over the years to recommend our customers the most appropriate deal based on your personal situation and the lending criteria you are matched up to.

 

If you have any concerns about your credit score, then it will be definitely worth your time getting yourself an up to date copy of your credit report. This works well when it comes to your free initial mortgage appointment, as it allows us to have a better idea of you as a person, what you’re looking to achieve and the sort of recommendations we may be able to find for you.

We Have Zero Ties to Estate Agents

Unlike a lot of other mortgage broker companies out there, we do not have any ties to estate agents, banks and building societies, high street or otherwise. We work solely for our customers, with only their best interests at heart.

 

We will work hard to try and give you the best service possible, ensuring you’re informed, that we’re responsive and tailoring the service to your needs. It’s our hope that in doing so, you come out smiling with the most opportune mortgage deal for your personal and financial standing.

 

As a company that is trusted and experienced in providing expert, fast & friendly mortgage advice in Sunderland, we are here to help you through every step of your mortgage journey. Contact us today and make a date for your free initial mortgage appointment with a mortgage advisor in Sunderland.

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.

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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