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Mortgage Advice in Croydon

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Our team are proud to provide open & honest mortgage advice in Croydon.

Welcome to our Mortgage Advice Page. We are a Mortgage Broker in Croydon and have been providing Mortgage Advice for over 20 years now.

We are here to offer you a helping hand throughout the whole mortgage process. From start to finish, we will support you and give you complete guidance so that you know what you are doing 100% of the time. We encourage you to ask questions, we want you to feel comfortable and secure at every stage of the mortgage process.

Mortgages often come with difficulties, especially if you have never dealt with them before. Getting help from a professional Mortgage Advisor in Croydon could take all of the stress of your back. Get in touch and receive a free mortgage consultation today.

Even if your individual situation isn’t listed above, it is more than likely that we have come across something similar, if not the same before, so don’t hesitate to get in touch. We would love to try and help you get by any mortgage hurdles that you are facing.

It’s not unusual for First Time Buyers to use a broker as they haven’t had any experience with mortgages yet, however, even if you are a home mover, we think that you would still benefit from our service. Firstly, we are experts when it comes to saving you time and money, we always aim to try and get you a better deal than the one that you are currently on.

We do all of the shopping around for you. Your Mortgage Advisor in Croydon will compare your details with 1000’s of different mortgage products until they find one that comes with a competitive rate and is perfect for your personal and financial situation.

Even if you’re looking at remortgaging, we can discuss all of your options with you, this could include capital raising for home improvements or for paying off credit cards and loans etc. Approaching a Remortgage Advisor in Croydon could result in you securing a much better mortgage deal; we know where to look and what lenders will be most suited to your remortgage application.

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Popular Mortgage FAQs in Croydon

Speak to a mortgage advisor in Croydon today.

A Mortgage Advisor in Croydon that works for you. We have Mortgage Advisors in Croydon available from 8am-10pm, 7 days a week. We work around whatever time suits you the best, there is always someone available to answer your mortgage questions.

Everything is strictly confidential between us, we want you to feel 100% secure and comfortable during every step of the mortgage process.

We pride ourselves on our customer service, we can guarantee that you will feel like you are in safe hands from the moment that you contact us. Our amazing service is shown in our outstanding customer reviews, feel free to check them out!

Our professional team of Mortgage Advisors in Croydon are experts in every mortgage department. Being responsive, caring, open and honest is what we do best.

We highly recommend that you take advantage of our free mortgage consultation; we can’t wait for you to get in touch with your Mortgage Broker in Croydon.

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Popular Mortgage FAQs in Croydon

First Time Buyer in Croydon

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Going into the mortgage process as a first time buyer in London & Croydon can feel like you're going into the unknown with some complicated and sometimes stressful parts. We understand this, which is why we always make clients who are in the process for the first feel reassured and calm. Your dedicated Mortgage Advisor in Croydon will be by your side every step of the way and answer of your questions.

For those who calculate the amount you can borrow, our advisors are more than pleased to help with this. Our affordability calculator can provide an accurate amount. As well as this, they will also sort out an agreement in principle for you usually within 24 hours of your free mortgage appointment. When it comes to making an offer on the property, it will be helpful to have this with you.

Moving Home in Croydon

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The process of moving home in London & Croydon will involve you having to buy a home whilst selling one at the same time, which makes the process renowned for being the most stressful in your life. We always strive to make the moving journey as stress-free as possible by sorting out all aspects of the mortgage so you can focus on the move itself!

We provide clear and transparent mortgage advice in London & Croydon from the initial point of contact all the way to obtaining the keys to their dream home, making sure you are well-informed throughout.

Remortgage in Croydon

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When you take out our first mortgage, there is a high chance that you took out the product on a fixed short term. There is an option to take out longer terms, however, many take out a term between 2-5 years. When you come towards the end of this fixed term, you'll need to start exploring your options for remortgaging to take out another product with a new fixed term.

We have access to a large panel of lenders meaning our remortgage advisors in Croydon will be able to search 1000s of remortgage deals on your behalf. You may find that they discover a rate that is more competitive than your current one.

Get in touch with our team if you are looking for remortgage advice in London & Croydon , we offer knowledge and support with a variety of remortgage routes like home improvements, debt consolidation, equity release and bad credit.

Buy to Let in Croydon

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Our team have extensive experience helping many budding and current landlords in Croydon who are looking to build their property portfolio with a buy to let mortgage in London & Croydon.

We have buy to let advisors at Londonmoneyman who has built close relationships with local landlords over the years. We have helped them with their new buy to let purchases with many getting in touch for a second time to help them with their remortgages on their properties. If you are looking to acheive your investment goals, get in touch with our team today.

Help to Buy in Croydon

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For those looking to purchase a property, you may find a Help to Buy beneficial.

There a large range of Help to Buy Mortgages in London & Croydon available such as the Shared Ownership scheme, First Home schemes and 95% Mortgage Guarantee Scheme.

Self Employed in Croydon

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Those who are looking to self employed mortgages in London & Croydon as a self employed applicant may find the process difficult. Aspects of the process that can make it difficult include the strict lending criteria as well as the amount of evidence that you have to provide to get accepted by your lender. Our mortgage advisors have a brilliant reputation of assisting many self employed applicants have rich knowledge of self employed lending criteria.

You are under the self employed category if you own more than 20-25% of your business. One of the requirements to get a mortgage as a self employed applicant, you need to have been trading for at least two years. This is because lenders will normally want information from you based on these two years.

Right to Buy in Croydon

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In the situation that you live in a rental property that's owned by the local authority (either the council or a local housing association), you may qualify for the right to buy mortgage advice in London & Croydon . You will need to see if you are able to pass the requirements.

With this scheme, you could be able to purchase your property at a discounted price depending on the length of time you have been living in the property as well as the value of it. Potentially, the discount would cover your deposit for the property meaning you may not need to put one down. Depending on the lender, you may still require a small deposit to make sure you can afford a mortgage and your monthly payments.

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Our Simple Mortgage Process

Contact our team

Step 1

Go through our book online system for your free mortgage appointment

Attend your free mortgage appointment

Step 2

Our team will allocate you to a knowledgeable Mortgage Advisor in Croydon who will ask you questions about your situation to build up your financial background as well as assess your affordability. Furthermore, they will arrange your Agreement in Principle which is normally sorted within 24 hours of your free mortgage appointment.

We search 1000's of deals

Step 3

Your advisor will look through our large panel of lenders to find the most appropriate mortgage for you. We will resume the mortgage application when you are happy with our recommendation.

It's time to submit your application

Step 4

When your mortgage application is good to go, we will put forward your mortgage application to the lender.

Reasons to Choose us For Mortgage Advice in Croydon

Free Mortgage Appointment in Croydon

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Our online booking system allows you to attend your free appointment at a time that suits you. Our mortgage advisors in London & Croydon are available 7 days a week to support you through the process.

We can help with enquiries regarding mortgage advice in Croydon, equity release and insurance products, our team are here to help!

1000s of Deals

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If you approach the bank for mortgage advice, you will find that they only offer products from one lender which is themselves. As well as this, it can be difficult to get an appointment with their mortgage advisors which can be frustrating if you are currently looking at properties or ready to make an offer.

Approaching a professional mortgage broker in London & Croydon can be more beneficial as we can compare a range of deals. Here at Londonmoneyman, we have access to a large panel of mortgage lenders on panel with some offering specialist mortgage products. Our team have extensive experience and rich knowledge about these products and providing tailored mortgage advice to customers.

Our Service

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Here at Londonmoneyman, we have been working hard in the world of mortgages for well over two decades and counting. Our open & honest team of mortgage advisors in London & Croydon have encountered a wide variety of mortgage situations over the years, using that experience to help customers both new and returning.

We want the absolute best for all of our customers, in all situations. Let us help you find the best mortgage product for you!

7 Days a Week

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Our fast & friendly mortgage advice team in London & Croydon are here to answer all of your questions and help you achieve all your goals, 7 days a week. We are at work every day, from early until late at night, to ensure that you have a reliable, flexible mortgage advice service.

Using our online booking feature, you'll be able to speak with a member of our mortgage advice team at a time that best suits you, subject to availability.

Malcolm and Amy Davidson - Mortgage Advice in London

Common Mortgage Questions in Croydon

How much can you borrow for a mortgage in Croydon?

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The amount of you can borrow can come down to a range of factors. The most important one is your credit score. In the case that you have a good credit score, you usually are required to provide a minimum of a 5% deposit. but if you have a bad credit score, it's likely to will have to put down a deposit of 10%-15%.

Obviously, your deposit amount will also vary depending on the property you are interested in purchasing.

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

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For those who are ready to make an offer on a property, have your mortgage agreement in principle to hand and are now needing a suitable mortgage product, we are happy to help!

Our team understand that the home-buying process can be difficult on it's own let alone finding a mortgage to go with it. Here at Londonmoneyman, our goal is to provide you with a service that is stress-free and supportive throughout.

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

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In the circumstance where you have been declined by your bank and are in need of an expert Mortgage Broker in Croydon to help you, our team are here to help! We strongly recommend that you avoid applying to a lot of different banks as this can have a detrimental effect on your credit score especially if you have been declined.

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Foundation Home Loans & 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

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