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Mortgage Advice in Reading

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020 4511 4209Book Online Now

Open & Honest
Mortgage Advice in Reading

020 4511 4209Book Online Now

Our team are proud to provide expert mortgage advice service in Reading

Our team are proud to offer specialist mortgage advice service in Reading.

Having spent many years as a mortgage broker in Reading, we have a wealth of experience when it comes to helping clients achieve their mortgage goals.

Whether you're buying your first property, moving to a new home in Reading or remortgaging, we are here to help.

Plus, there are many other potential mortgage scenarios that you may encounter on your journey.

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Popular Mortgage FAQs in Reading

Insurance & Mortgage options for homeowners in London & Reading.

We understand how important it is to make the right decisions when it comes to mortgages and insurance, so our dedicated mortgage and protection advisors in Reading are on hand to help.

We will take the time to discuss potential insurance options with you, so that you can make an informed decision.

Whilst you’re not obligated to take out a policy, we strongly believe that having the right insurance in place is in the best interests of our customers.

Most insurance policies allow you to decide how the payout will be used, with many using it as a financial safety net for their mortgage payments.

It is important to remember that before making any decisions, it is always recommended that you speak to a qualified professional.

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Popular Mortgage FAQs in Reading

First Time Buyer in Reading

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If you're a first time buyer in London & Reading, you may not know where to start.

Taking on such a major financial responsibility can be scary and intimidating.

As mortgage advisors in Reading, it's our job to help you find your footing on the property ladder.

We can assist you with every step of the process, from your initial contact to completion and afterwards. We'll be there to support you all the way.

Moving Home in Reading

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If you’re living in or near Reading and have reached the end of your initial fixed-term, you may be considering your options for moving home in London and surrounding areas.

There are several explanations why you may opt to move home in Reading, from needing more space (maybe if you are expecting a baby or require a home office), to needing more economical living costs, or even just for a change of scenery.

At our organisation, we understand that the process of relocating can be incredibly stressful. You have to find a buyer, pack your belongings and arrange everything on your new home purchase.

We aim to reduce your stress levels, by taking the weight of the mortgage off your shoulders. We know that it is a lot to manage, so we are here to help.

Remortgage in Reading

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For those looking for remortgage in London & Reading, it’s important to get the right advice.

It’s important to shop around and take the time to read the small print so that you know what you’re signing up for.

It’s also worth noting that remortgaging may not be the best option for everyone. If you’re on a tight budget, for example, you should be careful to ensure that you’ll be able to keep up with the payments.

If you’re considering remortgaging, it’s a good idea to seek remortgage advice in London & Reading from a professional mortgage broker.

They will be able to talk you through your options and give you tailored advice that is based on your individual circumstances.

Buy to Let in Reading

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Perhaps you're an existing or budding investor in the property market, looking to purchase a Buy to Let property.

This is something we come across often at Londonmoneyman. Buy to Let is a popular option, as it has the potential to result in great reward in the long run.

Our team of buy to let mortgage advisors in London and Reading have a wealth of experience in creating connections with landlords, aiding them in expanding their portfolios, whether buying in their own name or with a SPV (Special Purpose Vehicle), such as their Limited Company.

The Financial Conduct Authority does not regulate certain types of buy to let or commercial mortgages.

Self Employed in Reading

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As an applicant of a self employed mortgage in London & Reading, you may find that demonstrating your income can be more difficult than for a regular employed applicant.

This is because you have to provide proof of a consistent and sufficient income. Getting a self-employed mortgage in London & Reading is not impossible.

Our team have a great deal of experience helping self employed mortgage applicants buy a property.

Your advisor will discuss your case with you, suggesting an appropriate mortgage product and giving you the best advice on the steps to take, so you can approach the mortgage process with confidence and a greater chance of success.

Equity Release in Reading

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Homeowners over the age of 55 who meet the right criteria may be considering their options for an Equity Release in London & Reading.

Rather than remortgaging to release equity, this is usually taken out in the form of a Lifetime Mortgage.

This is a highly specialist field, so it is important to consult with a qualified professional.

Get in touch with us today to arrange a free later life consultation with an experienced expert. It's important to ask for a personalised illustration in order to understand the features and risks.

Equity Release may come in the form of a Lifetime Mortgage or Home Reversion Plan. A Lifetime Mortgage could have an impact on the value of your estate and could affect your entitlement to current and future means tested benefits.

The loan plus accrued interest is repayable upon death or moving into long term care. Home Reversion Plans involve selling all or part of your home to a plan provider in exchange for a tax-free lump sum.

To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.

A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.

A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.

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Our Simple Mortgage Process

Contact our team

Step 1

Take advantage of our user-friendly online booking system to secure your free mortgage consultation. Booking is a breeze, allowing you to conveniently select your preferred date and time at your convenience.

With appointments available seven days a week, you have the flexibility to choose a time slot that perfectly aligns with your schedule. Don't wait—book your appointment now and take the first step towards exploring your mortgage options.

Attend your free mortgage appointment

Step 2

Our team will assign you to an experienced mortgage advisor in Reading who will ask you questions about your circumstances to build up your financial history and assess your affordability.

They will also arrange your Agreement in Principle, which is usually done within 24 hours of your complimentary mortgage appointment.

We search 1000's of deals

Step 3

Once your mortgage application is ready, we will submit it to the lender. After the lender has reviewed the application, they will either accept or reject it. Depending on the outcome, you may need to provide additional information or documents.

If the lender approves your mortgage, they will issue a ‘mortgage offer’. This document will outline all the details of the mortgage, and you must sign it and return it to the lender.

It's time to submit your application

Step 4

Once your mortgage application is prepared, we will proceed to submit it to the mortgage lender. At this point, it becomes a waiting game as we anticipate their response.

Once we receive the good news, the final step is to acquire the keys for your new property in Reading. This exciting moment marks the culmination of the process, and we'll be there to help you every step of the way.

Reasons to choose us

Free Mortgage Appointment in Reading

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If you're looking at securing a mortgage, remortgage, or buy to let product, our experienced mortgage advisors in Reading are here to provide you with the correct advice and support.

We will ensure that you have the right kind of mortgage suitable for you and your situation.

Book a free appointment or mortgage review today and our skilled mortgage advisors in Reading will provide you with the very best advice.

Whether you're a first time buyer, looking to move home, an experienced landlord, or just need some expert mortgage advice, we are here to help.

1000s of Deals

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One advantage of approaching an expert mortgage broker is that they can compare deals.

Here at Londonmoneyman, we are able to search through thousands of mortgage deals including specialist mortgage products.

We boast a wealth of experience and knowledge in providing mortgage advice to clients in a variety of circumstances.

If you need any assistance with a mortgage, then get in touch with an experienced and reliable Mortgage Broker in Reading today.

Our diligent and trustworthy team are here to help you in attaining your ambitions with a speedy and amiable mortgage advice service in Reading.

Our Service

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Having been active in the mortgage business for well over two decades, our devoted Mortgage Advisors in London and Reading have likely encountered practically every mortgage situation conceivable.

Utilising our knowledge and expertise of the mortgage industry, as well as the drive of our team, we will strive to secure you a competitive mortgage deal.

Taking into consideration various factors such as your credit record and affordability assessments, we are confident that we will be able to help you reach the end of your mortgage journey!

7 Days a Week

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Our amazing team of mortgage advisors are here to provide you with the utmost assistance for all your mortgage requirements, 7 days a week.

We are here every single day, from early morning until late at night, to give you the most accessible mortgage service at a time that fits around your day-to-day commitments.

These hours of business coincide with our reliable mortgage advisors' schedule, so that you can book an appointment at a time that is suitable for you, subject to availability.

We want the best for you in every situation. Allow us to help you find the ideal mortgage product that will only add to your personal and financial situation.

Malcolm and Amy Davidson - Mortgage Advice in London

Common Mortgage Questions in Reading

How much can you borrow for a mortgage in Reading?

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For instance, if you want to purchase a property in Reading, you can expect to put down a deposit of at least 5%.

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

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We have a broad range of mortgage products from some of the leading lenders in the market, so you can be sure to find what you are looking for.

Whether you are looking for a first time mortgage, remortgage or if you are ready to buy a buy to let property, we can provide you with the right mortgage product for your needs.

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

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If you have been rejected by your bank and are in need of an experienced Mortgage Broker in Reading, our team are here to help!

We strongly advise that you don't submit multiple applications to different banks, as this could have a negative impact on your credit rating, particularly if you have already been declined.

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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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