Mortgage Broker in Luton | Mortgage Advice in Luton

Fast & Friendly Mortgage Advice in Luton

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First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

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We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Luton - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 020 4511 4209.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 020 4511 4209.

Malcoms Image

We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Luton - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

Reviews Stars5.00 Rating15 Reviews

Mortgages for Home Buyers and Homeowners in Luton

Having over 20 years of experience working in the mortgage industry, we provide expert Mortgage Advice in London and Luton, and there is hardly a ‘complex’ situation that we haven’t previously faced before. During our time as a Mortgage Broker in London and Luton, we have helped many new/existing customers with their purchase or remortgage deal, to help them reach their mortgage goals.

 

Whether you are a first time buyer looking to get on the property ladder, you’re moving to a new property in Luton, or looking to remortgage your family home, we aim for mortgage success and find you the most suitable deal to match your current circumstances. Below we listed popular mortgage scenarios that you may come across on your mortgage journey.

 

First Time Buyer in Luton

First time buyers may find the mortgage process daunting, and not sure what the necessary steps need taken to make sure they are in the best position to put themselves to obtain a mortgage. After all, a mortgage will be one if not the largest financial commitment you’ll ever make in a lifetime. When you consider everything, that’s why the entire process can seem daunting.

 

Our Mortgage Advisors in London & Mayfair will do their best to get you on the property ladder, recommending you which pathway to choose, to find you the most suitable mortgage. We will keep you informed throughout the first point of contact, until getting the keys to your first property. We’re with you every step of the way.

 

Buy to Let in Luton

Whether you are a new or existing landlord in the property market or are looking to obtain a Buy to Let property, our team of Mortgage Advisors in London & Luton has a lot of experience in helping landlords grow their portfolios. We’ve even helped landlords buy in their name or with an SPV (Special Purpose Vehicle), such as their Limited Company.

 

Remortgage in Luton

Existing homeowners will find themselves reaching the end of their initial fixed period. At that point, we suggest you investigate remortgaging your property.

 

Whether you are looking to remortgage to find a better deal, release some equity for home improvements, or raise capital, homeowners who aren’t looking to move and have grown attached to their home will always choose to remortgage.

 

Self Employed in Luton

Any self-employed applicant in London & Luton will need to provide proof of a consistent and sufficient income. Our Mortgage Advisors in Luton have experience in helping self-employed mortgage applicants get onto the property ladder.

 

Our team will run through your case with you, recommending the most suitable mortgage product and the best steps to take, so that you can approach the mortgage process confidently and with a higher chance of success.

 

Moving Home in Luton

If you’re already living in Luton or a surrounding area and reaching the end of your initial fixed-period, it might be worth looking into your options for moving home. There are many reasons why you may choose to move home. From more to space, for better living costs, or even just for a change of scenery.

 

We understand that the process of moving home can be incredibly stressful. You must find a buyer, pack your belongings, and arrange everything for your new home purchase. We try to reduce your stress levels, by taking the weight of the mortgage off your shoulders, leaving you to focus more time on the move itself.

 

Equity Release in Luton

Homeowners who are over the age of 55 and meet the right criteria, may be looking at their options for an Equity Release. Unlike remortgaging to release equity, this will generally be taken out in the form of a Lifetime Mortgage.

Why Choose Londonmoneyman?

Here at Londonmoneyman, we have been around in the mortgage industry for well over 20 years at this point. Our dedicated Mortgage Advisors in London & Luton will have encountered something similar in almost every mortgage scenario you could imagine.

 

Utilising our experience and mortgage industry expertise, coupled with the determination of our team, we are going to work hard to secure you a competitive mortgage deal. Considering various aspects such as how your credit file looks and affordability checks, we hopefully are able to help you secure a mortgage.

 

Our Service is 7 Days a Week

Our talented team of mortgage advisors in London is here to attend to your mortgage needs, 7 days a week. Everyone here works hard every day, from early until late at night, to ensure that you have a mortgage service that is available at a time and day that suit you.

 

This means that you can book a free mortgage appointment at a time and day that is convenient to you, appointments subject to availability.

 

We want the absolute best for you, in all situations. Let us help you find the most suitable mortgage product.

 

Contact Your Mortgage Broker in Luton

If you require any help with a mortgage, then get in touch with an experienced and reputable Mortgage Broker in London & Luton today. Our hard working and trusted team are here to help you achieve your goals with a fast & friendly mortgage advice service in Luton.

 

Whether you are applying for a mortgage as a First Time Buyer, are looking at moving home, are an experienced or budding landlord looking for a Buy to let mortgage, or simply would just like to get in touch for some expert Mortgage Advice in Luton, we are here to help.

 

Book your free mortgage appointment or remortgage review today and our dedicated mortgage advisors in London & Luton will see how we can help you.

 

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

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About Us

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!

Find Your Mortgage Broker in Luton on Social Media

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.

Stress-Free Remortgage Advice in Luton

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.

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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