Specialist Mortgage Advice in London

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We look at solutions for specialist mortgages in London for complex situations.

Are you dealing with a particularly complex mortgage situation? Perhaps you are finding it difficult to get over some mortgage hurdles? As an experienced mortgage broker in London, it’s our job help our customers to overcome everything that is in their way on the way to finding mortgage success.

As an experienced team of mortgage advisors in London, we are able to access our vast panel of specialist lenders, each with their own unique lending criteria. Instead of taking your application into your own hands and risking being declined, we would recommend that you get in touch with a mortgage broker in London.

They will best match you with a suitable lender for your circumstances. If you are declined too many times for mortgage applications on your credit file, you might end up damaging your credit score. This could stop you getting a mortgage altogether.

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Specialist Mortgage Advice in London

Our service may benefit you when looking for specialist mortgage advice in London.

At Londonmoneyman, it’s our goal to get our recommendation right the first time, there is rarely a mortgage situation that we haven’t come across before. We have a great deal of knowledge of specific lender criteria. This means that once we have gathered some initial information, we’ll have a good idea of the next step to take.

We have been in the industry now for well over 20 years. During this time we have encountered a wealth of different mortgage scenarios. In London, even if you have had a bad credit history, it may not be completely impossible for you to get a mortgage!

No matter how difficult your situation may be, our mortgage advisors in London will consider all mortgage scenarios. Book your free mortgage appointment with a dedicated mortgage advisors in London and we’ll see how we can help.

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Common FAQs for Specialist Mortgages in London

What is bad credit for a mortgage in London?

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If you find it particularly difficult to manage your finances and it has led you to miss any of your outgoing payments for financial commitments that affect your credit score. You will likely end up having bad credit in London.

It depends entirely on the types of payments you missed and how many of them you missed, which will determine the number on your credit score.

Can I remove a CCJ from my credit file in London?

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When you receive a CCJ, you will receive a small window of opportunity in which you can pay it off and then remove it from your credit file.

The court will give you a 30-day period in which you must repay the amount you owe. If you can meet this demand, the court will approach the registry to get the CCJ removed from your credit file.

If you are unable to repay the money that you are deemed due, then you will have a permanent record listed on your credit file for a 6-year period.

When should debt consolidation in London be considered?

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Many homeowners will remortgage in London to release equity from their homes. There are many reasons why you could raise capital, from raising funds for home improvements to giving a deposit to help a family member climb the property ladder.

If you are struggling financially and every other avenue has been exhausted, then you might need to look at debt consolidation in London. Although a risky decision and not something to take lightly, remortgaging to release equity for debt consolidation purposes in London can be a way to combine your monthly expenses into another affordable monthly outgoing.

Providing clear and transparent mortgage advice in London, we will review your circumstances and help you determine if debt consolidation in London is the best option for you.

You should think carefully before securing other debts against your home. By adding your unsecured debt to your mortgage, which is secured on your home, you may endanger your home if you can't make the necessary repayments.

Although the total monthly cost of servicing your debt may have been reduced, the total repayment cost may still have increased because the duration of your mortgage is longer than it may have taken to repay the original debts.

Do you require a specialist mortgage advisor in London?

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Here at Londonmoneyman, we have expert mortgage advisors in London, who have access to a large panel of specialist deals, each lender has its own unique mortgage lending criteria for customers, and we may be able to find you the most suitable deal.

Our team of mortgage advisors in London can use their knowledge and expertise to recommend to our customers the most appropriate mortgage deal for their personal and financial situation.

If you're worried about your credit score, you should get an up-to-date copy of your credit report. When it comes to your free initial mortgage appointment, you'll benefit from this, where we can better understand your situation and see if we can help you achieve your mortgage goals.

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Our Simple Mortgage Process

Free 30-Minute Remortgage Appointment

Step 1

Discuss the challenges you are currently faced with and what you are looking to achieve with a trusted mortgage advisor in London.

During your free mortgage appointment, your mortgage advisor in London will take information about your income and expenses, to work out your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

While some situations may limit what you have access to, we'll search for 1000 deals to find you the best you can get.

Next, we will then look to get you an agreement in principle, which is a great tool to use when backing up any purchase offers you wish to make.

Submit Your Mortgage Application

Step 3

Once you have accepted your purchase offer, your mortgage advisor in London will submit your full mortgage application and evidence documents.

Over the course of your process, your dedicated case manager will keep you up to date until you receive your mortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

Our service exceeds just this. As well as getting the best deal, we will also recommend relevant insurance to protect you and your family financially.

We will also contact you again when your mortgage is due for renewal to make sure you are still on the best deal.

Reasons To Choose Us

Free Mortgage Appointment

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During your mortgage process, we are responsible for you and the advice you receive. We will take care of you, always having your best interests at heart.

If you are concerned with your credit score, then you should look at getting an up-to-date copy of your credit report. You will be able to benefit from taking this step when it comes to your free initial mortgage appointment, as this will give us a better understanding of what you’re like, what you’re looking to achieve and what deals are going to be most suitable.

1000s of Deals

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Here at Londonmoneyman we have a vast panel of specialist mortgage lenders, each who have their own specialist lending criteria that we are able to match our customers to.

Our dedicated and experienced team of mortgage advisors in London have the ability to use the knowledge that they have gathered over our 20 plus years of being a mortgage broker, in order to recommend the most suitable mortgage deal for our customers needs.

Our Service

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We hope that in receiving our service, that you end up with mortgage success, a fantastic deal on a home, and a smile on your face.

Our team of hard working mortgage advisors in London always aim to provide you with a top tier service, ensuring you remain informed throughout the course of your journey. We will always do our best to give a responsive service, tailored to your circumstances and needs.

7 Days a Week

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As a company who prides itself on providing fast & friendly mortgage advice in London, we will be with you every step of the way. Book your free mortgage appointment today and speak with an expert mortgage advisor in London.

Malcolm and Amy Davidson - Mortgage Advice in London

We Search 1000s of Specialist Mortgage Deals in London

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An In-Depth Look at Specialist Mortgage Scenarios in London

The Help of a Specialist Mortgage Broker in London

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When a mortgage applicant is facing a difficult process with their mortgage and isn’t able to get to a point where they can be accepted by a lender, we will always be there to help them out in any way they can.

As an experienced mortgage broker in London, we have been through appointments with a large variety of unique customers, all with their own mortgage scenarios.

Property Down Valuation

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If you have gotten someone out to perform a property survey on your potential new home and then find out that your offer that was accepted is actually way above the market value of the property, you have had a Property Down Valuation.

Though not completely the end of the line for you, it is more than likely that your lender will pull out of your mortgage deal. If you are able to make up the difference between your offer and the true value of the property, the lender may still allow you to proceed.

Divorce & Separation Mortgage Advice

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If you are going through a divorce or separation with your now ex-partner, it can be difficult making arrangements for the next step in your life. This only becomes more complex if you are tied into a mortgage together. You should sort this as soon as possible, as otherwise if left too long, it can get a lot more complicated.

Remove a Person From a Mortgage

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In addition to the mortgage scenario just mentioned, if you are going through a divorce or separation, you may be looking to remove your own name or your ex-partner’s name from the mortgage.

You will have limited options depending on the financial stability of you both, as well as your affordability, as you will now only be living off one income.

Single Name Mortgages for Married Applicants

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If you’re married and checking out your options for taking out a mortgage on a property you and your partner are going to be living in, chances are a mortgage lender would prefer you both to be on the mortgage. That being said, there are still options out there if you would rather it only be in one of your names.

Shared Ownership

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The Shared Ownership Scheme really is a great way for mortgage applicants to take out a mortgage as a percentage share of the property, rather than the full price.

This share will typically be between 25%-75%, though some lenders may go down to 10%. The owner of the remaining share, likely a local authority, will be paid back as rent alongside your mortgage payments to the lender.

Professional Mortgages

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Professional mortgages can only be accessed by very specific professions. This is an incredibly niche area of the mortgage market and as such we would absolutely recommend booking a mortgage appointment with a specialist mortgage advice team to learn more.

Second Home Mortgages

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If you have any plans to take out a mortgage on a further property, you will need to show the lender proof that you are financially capable of covering the costs of both mortgage payments simultaneously. We are able to help you make preparations for this.

Holiday Home / Let Mortgages

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Holiday lets are similar property types to buy to let properties. The main difference is that in this case, you won’t have a permanent tenant, with it possibly generating no income during off-seasons.

Because of this, lenders need to have absolute confidence that you can afford your mortgage payments every month, whether you have a tenant or not.

Non-Standard Construction Property Mortgages

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A ‘non-standard’ property is a property that is not put together using regular building materials like bricks or mortar. In order to take obtain a mortgage on such an obscure property type, you will need a very specialist mortgage product. We would recommend taking out a full property survey on this type of property.

Multiple Applicant / House of Multiple Occupation Mortgages

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HMO mortgages are basically large buy to lets with 4-6 tenants, similar to what you would see with student housing. HMOs are often very complex to deal with. We would recommend seeking specialist buy to let mortgage advice in London if you’re looking at taking on a HMO.

Mortgages Past Retirement Date / Lifetime Mortgages

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You may be able to release the equity that you have gradually built up in your home, turning it into cash using a lifetime mortgage. This is a very specialist mortgage type and requires speaking to a specialist to make sure everything is correct.

Offset Mortgages

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Offset mortgages use a new savings account created to use with your mortgage. This type of mortgage could be a great way of helping you access competitive interest rates and mortgage products.

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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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