Mortgage Broker in Basingstoke | Londonmoneyman

Mortgage Advice in Basingstoke

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We can search 1000s of mortgage deals in Basingstoke, in order to find you the most appropriate deal for your personal and financial circumstances.

Contact our team today to book your FREE mortgage appointment online or contacting our team on 020 4511 4209.

Book Online

Contact our team today to book your FREE mortgage appointment online or contacting our team on 020 4511 4209.

Malcoms Image

We can search 1000s of mortgage deals in Basingstoke, in order to find you the most appropriate deal for your personal and financial circumstances.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars5.00 Rating15 Reviews

Fast & Friendly Mortgage Advice in Basingstoke

Londonmoneyman is the place to be for friendly & expert Mortgage Advice in Basingstoke. Through our extensive years as a Mortgage Broker in Basingstoke, we have had the pleasure of helping man customers along their mortgage journey through our caring help and support. With over 20 years in the mortgage world, 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 amongst many customers. Here at Londonmoneyman, 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. With a mixture of both experience and industry knowledge, you can rest assured you will be in safe hands on your mortgage journey.

 

Our experience has allowed us to work with a range of customers all with varying cases including those with complex situations. Therefore, don’t hesitate to contact us even if you think we couldn’t help as there is a high chance that we have come across your situation before or something similar to it.

 

We can provide you with a supportive hand throughout your mortgage journey, providing you with the best guidance and knowledge to help you overcome unexpected hurdles that may occur in your mortgage application. Book your free mortgage appointment today to discuss your mortgage goals with one of our Mortgage Advisors in Basingstoke.

Your Mortgage Options in Basingstoke

Below are the most common types of mortgage that many customers go for:

 

First Time Buyer Mortgage in Basingstoke

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 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

If you are Moving Home and are looking for a mortgage in 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 Mortgages in Basingstoke

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

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.

In the event of securing any debts against your home, you need to seek professional mortgage advice.

For Self Employed applicants, the process will be similar to the other situations, with the one major difference being evidencing your income. This will require you to provide further documentation that your Mortgage Advisor in Basingstoke will instruct you to show. Just like many other mortgage types, you still need to undergo an affordability assessment in order to see what deals are available to you.

 

We also offer Mortgage Advice in London and surrounding areas including Mayfair.

 

Why Londonmoneyman? – Your Mortgage Broker in Basingstoke

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 as long 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 Simple 4-Step Process

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

We can connect you with an expert Mortgage Advisor in Basingstoke 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.

 

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.

 

When that is good to go, it’s then time to put forward your mortgage application to the lender.

 

Have you been declined by your bank?

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.

 

Sometimes, a mortgage is not the best option for people at that time, however, we do still strive in finding a product that is best for your personal and financial needs. As a Mortgage Broker in Basingstoke, our team always provide a fas and friendly service to every customer. Furthermore, we believe in transparency, so we will tell you if we cannot find a suitable deal for you and are unable to get a mortgage. In this circumstance, we will make sure you are prepared with providing helpful information on ways to improve your application.

 

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

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How do I transact with my Mortgage Broker in Basingstoke?

You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call, we may be able to help!

Why shouldn’t I go to my bank for Mortgage Advice in Basingstoke?

The banks’ mortgage advisors are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’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 with a variety of situations.

My bank turned me down – Will you be able to get me a mortgage?

Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.

About Our Service

Common mortgage questions

Your free initial mortgage consultation in London will last roughly one hour. Your dedicated mortgage advisor in London will then recommend a mortgage for you, with no obligation for you to proceed. At this point, it is up to you to decide whether or not you wish to proceed with the recommended mortgage.

If you choose us as your Mortgage Broker in London, then our process will work as the following; One of our Mortgage Advisors in London will carry out a Fact Find to determine your, needs before recommending the most suitable mortgage available for you. A credit check will then be required for an Agreement In Principle.  Once all the relevant documentation has been gathered and the valuation of the property has been undertaken, a formal mortgage offer can be issued.

In order for you to ensure you are prepared as early as possible, our Mortgage Advisors in London recommend that you obtain an Agreement in Principle prior to viewing properties in London. At the very latest you should obtain a Mortgage Agreement in Principle before you make any offers, in order to help with your bargaining position.

An Agreement in Principle will normally last somewhere in the range of 30 and 90 days. This depends on the Lender that is being used. If your Agreement in Principle expires, your advisor can always refresh this for you.

If you are looking to achieve something like debt consolidation or home improvements, you may be able to get a second mortgage. The option for a second mortgage can also be used on a second property if you are looking at using it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit necessary for purchasing a house in London with High Street Lenders is usually at 5%. If you have had previous credit problems, this could be higher.

Obtaining a mortgage if you have had previous credit problems isn’t completely impossible, but you may face certain hurdles, such as some lenders requiring that you put down a higher deposit than usual, perhaps 15% of the property purchase price.

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

Three payslips are generally what is required for an employee to prove their income and if you are Self-Employed, it’s usually the latest 2 years’ accounts. You will also need to produce some proof of ID, your address and the latest 3 months’ bank statements.

If you take up a free initial mortgage consultation with one of our trusted Mortgage Advisors in London, your appointment will last around an hour. Your advisor will be able to turn round an agreement in principle within 24 hours, with a formal mortgage offer taking roughly about three weeks on average.

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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Londonmoneyman

Londonmoneyman, Unit 3A, 34-35 Hatton Garden, Holborn, London, EC1N 8DX, UK

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