Read our 15 Reviews
5.00 Rating15 Reviews
Charlie helped guide me through the process and answered all my questions. Would highly recommend London money man to everyone!
Ryan at London Moneyman made moving home with my mortgage easier. Thank you, 5 stars service.
I was nervous buying my first home but londonmoneyman were fab! Thank you for helping me 🙏
A+ service. communication was brilliant, helped me find a mortgage. Will definitely be back!
Great company. Great service. Recommend 100%
thank you chloe for help with my mortgage iwill be back next time.
Excellent service very helpful with my mortgage 😀
Very useful and efficient service. Thank you london money man!
Dinah and the team at London money man were super helpful with a remortgage on our family home. They got us through the process quickly and found me a much better deal than we were on. Thank you again, we'll be back in touch for our next...
Great service from Kayleigh & Leo! Made it easy and stress free, thank you both for finding me a suitable product. I would not have got through this without their help.
Helped me and my partner on our remortgage. Molly was friendly and polite on the phoen and helped us throughout the process. Would reccomend 👍
Leoand Kayleigh were great during my process. He made everything stressfree for me as a first time buyer. Would definitely recommend to others going through the same process as it helped a lot. Thank you..Marina
Thank you Londonmoneyman. From my free mortgage appointment to completion I was kept in the loop. Jason was great and would definitely recommend.
Tom and Louise were so helpful throughout the whole process. As First Time Buyers we were almost scared to start looking for a home but the team at Londonmoneyman put us at ease and now we have a lovely new home. Thanks for everything!
Amazing service from start to finish. Charlie, Megan and the application team were very helpful throughout, to help with any queries, and kept me up to date with the process at every stage. Couldn't recommend them enough!
Welcome to our Mortgage Advice Page. We are a Mortgage Broker in Dartford 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 Dartford could take all of the stress of your back. Get in touch and receive a free mortgage consultation today.
As an experienced Mortgage Broker in Dartford that has been working in the mortgage sector for over 20 years, we know how to handle almost every single mortgage situation. That’s why no situation is too big or too little for us to handle. We love a good challenge!
Here are the most common mortgage scenarios that we come across as a Mortgage Broker in Dartford:
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 Dartford 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 Dartford 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.
A Mortgage Advisor in Dartford that works for you!
We have Mortgage Advisors in Dartford 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 Dartford 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 Dartford.
We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!
We’re are very active across our socials, particularly on Facebook and Twitter. We are always sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.
We are here to take the stress off your back when remortgaging. You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.
We will provide our full help and support throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
You have the option to Remortgage in London, as a means of increasing the size of your mortgage to pay off any unsecured debts that you may have. Bear in mind though, there are some downsides so do not to rush this. We recommend that Mortgage Advice in London is always obtained prior to consolidating debts.
When opting to take advantage of our initial free remortgage consultation in London, your appointment will normally last around one hour. During this time one of our Mortgage Advisors in London will work to compare new deals against your current mortgage, using this to recommend the most appropriate deal going forward, with no obligation to proceed. From this point, you’ll be able to decide whether or not you wish to accept and proceed with the mortgage or take a step back and re-evaluate your options some more.
The fees involved for your Remortgage will be similar to those involved when you started your current mortgage. Your dedicated Mortgage Advisor in London will be able to run through the fees with you, taking them into consideration when comparing the savings of the new deal versus your existing mortgage.
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.
If you are on your Lenders Standard Variable Rate (SVR) of Interest, taking out a Remortgage will allow you to potentially save some money. Your dedicated mortgage advisor will be able to compare the new products available against the mortgage deal you’re currently on, in order to figure out what these savings may be. If you have some amount of equity in your property, a Remortgage would also allow you to release a portion of this money, if you need it. We often find that home improvements is a popular reason for this.
The amount of deposit required for a buy-to-let will sometimes vary between 20%-40%. Generally speaking though, the minimum deposit for a buy to let, is around 25% of the property value.
The discount that the council provides will be used as your deposit, though in some cases, lenders will require you to put down a deposit of your own as well as this discount. If you have been struggling with past or current credit problems, this may be more likely. Speaking to a dedicated Mortgage Advisor in London will hopefully give you the answers you need for any Right-to-Buy deposit questions.
For your deposit, you will be required to put down a minimum of 5% of the sale price of a new build property in London. Once you have done this, the Government will loan you up to 20% of the properties value.