Open & Honest Mortgage Advice in Basingstoke

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Providing expert mortgage advice in Basingstoke

Getting mortgage advice in Basingstoke has never been easier. Through our extensive years as a mortgage broker in Basingstoke, we have had the pleasure of helping many customers along their mortgage journey through our caring help and support. Our team can provide you with the service you need by finding you a mortgage product while saving you time and money!

Whether it's your first mortgage experience or it's something you are familiar with, it's common for you to feel many emotions from nerves to excitement due to certain aspects that come with taking on a new financial commitment. This is something we have experienced with many customers. We have the goal of providing a service in the hopes to take as much stress away from the process as possible and overcome any obstacles that you may encounter.

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Popular Mortgage Scenarios in Basingstoke

All of our customers receive a free mortgage appointment!

One significant factor that makes us stand out from a bank or building society is the strong access we have to a panel of lenders that offers products beyond the in-house products a bank or building society would offer. Furthermore, a Mortgage Broker in Basingstoke, like ourselves, will be responsive meaning you won't be waiting for an answer. We are available every day of the week so book online or give us a call!

We pride ourselves in offering a service that aims in making someone as stress-free and simple as possible. We also go the extra mile for each person that gets in touch with us. This is further reflected in our customer's reviews.

Our Reviews

Popular Mortgage Scenarios in Basingstoke

First Time Buyer in Basingstoke

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We do find that a First Time Buyer is prepared to pursue one of the biggest financial commitments they have experienced, however, are wondering where to begin. From the first point of contact to getting the keys, we have a friendly team who will guide you through the journey and will update you on a regular basis on the status of your application ensuring they keep technical jargon to a minimum. Speaking to a First Time Buyer Mortgage Advisor in London & Basingstoke has never been easier, simply book online for your free mortgage appointment or contact us today.

The process will begin by a member of our team asking you some questions to build up a clearer picture of your financial background. After, we will undergo an affordability assessment to determine the type of deals that are on offer to you. From there, your designated advisor will search through all mortgage deals to find the one that is appropriate for your situation. They will also obtain an Agreement in Principle for you which is normally done within 24 hours of your initial appointment It's important that you ask as many questions as you need to your advisor as they are more than happy to help.

Moving Home in Basingstoke

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If you are Moving Home in London & Basingstoke, you may be more confident in the process as you have experienced it before. However, one factor of the process that may be a challenge is needing to buy and sell properties simultaneously. It can be difficult balancing the process of two properties, especially when you include the mortgage side of it. The good news is that our team can help manage the mortgage side of things.

There are a lot of reasons why someone would look to move home with the most popular one being to live in a larger property. If this is a circumstance you are in, it's good to check your affordability prior to taking viewing and making offers. We can help you with working up a budget so you know what types of properties you can afford in Basingstoke.

Buy to Let in Basingstoke

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Over the many years in the mortgage world, we have built a close and long-lasting relationship with lots of Buy to Let landlords. If you are First Time Buyer landlord or have an existing portfolio, we are ready to help!

There is a range of mortgage options available in including HMO, Holiday Let, Let to Buy as well as many more! This is where you Mortgage Advisor in Basingstoke can help you explore your Buy to Let options.

Remortgaging in Basingstoke

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When you are coming to the end of your fixed mortgage term, this is the time to start looking at remortgaging. This is where you will be switching onto another mortgage deal in order to not fall onto your lender's standard variable rate of interest. We can help you search the market for competitive rates and products. You may find that you have competitive rates available to you in the case that you have kept up with your repayments.

Along with finding a better deal, many look to remortgage for purposes like home improvements, to release equity or to consolidate debt into their mortgage.

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Our Simple 4-Step Process

Book online

Step 1

Follow the book online process by selecting your preferred date and time.

Free mortgage apppointment

Step 2

We can connect you with an expert Mortgage Advisor in London who will get to know your situation in more detail and assess your affordability. Along with this, they will sort you an Agreement in Principle which is normally done within 24 hours of your free mortgage appointment.

Finding a suitable product

Step 3

From this, your advisor will find you a suitable mortgage product. As soon as you are happy with the deal, we can then resume the mortgage application.

Submit your application

Step 4

Once we have your application ready, it's then time to put forward your mortgage application to the lender.

Reasons to Choose Us

Free Appointment in Basingstoke

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It's nice and easy to book a free appointment online or enquire and ask us a question. We have advisors in Basingstoke available 7 days a week to answer any of your questions.

Whether you are enquiring about mortgage advice in Basingstoke, equity release or insurance products, we are more than happy to try and help!

Search 1000s of products

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The banksā€™ mortgage advisors are only able to offer products from one lender ā€“ Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if youā€™re actively looking at properties or are ready to offer this can be very frustrating.

Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing mortgage advice to customers in a variety of situations.

Malcolm and Amy Davidson - Mortgage Advice in London

Common Mortgage Questions in Basingstoke

How much can you borrow for a mortgage in Basingstoke?

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How much you can borrow for a mortgage can depend on various different factors. One of the most important factors is your credit score. If you have a good credit score, you may normally be asked to provide a minimum of a 5%, deposit, however, if you have a bad credit score, you may have to put down a deposit of 10%-15%.

Of course, your deposit amount will also change depending on the property you are looking at purchasing.

What do I do if I am ready to make an offer on a property in Basingstoke?

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If you are ready to make an offer on a property, have your mortgage agreement in principle ready and just need to find the perfect mortgage product, we are here to help!

We know that the home-buying process can be hard enough, never mind trying to find a mortgage to go with it. Our team in Basingstoke will take all of this stress away from you and hold your hand through this part of the process. We have been doing this for over 20 years now, we are experts!

I have been declined by my bank, can you help?

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If you have been declined by your bank and are looking for the assistance of a Mortgage Broker in Basingstoke, we are happy to help! It's best to not apply to a bunch of different banks as you will be at risk of negatively affecting your credit score especially if you keep getting declined.

Here at Londonmoneyman, we can help at finding the reasoning behind the bank declining you. It may be due to poor credit, a fault in your application, affordability or something else. We do recommend you work hard in improving these issues to avoid any future credit applications.

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Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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