It's Free to Speak to an Advisor, 7 days, 8am - 10pm

Newcastlemoneyman - Mortgage Brokers in Newcastle - M Shape

Mortgage Broker in Newcastle

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0191 432 9860Speak to an Advisor - It's Free!
Malcolm Davidson - Managing Director of Newcastlemoneyman

Mortgage Broker in Newcastle

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Enquire Online 0191 432 9860 Malcolm Davidson Managing Director of Newcastlemoneyman - Mortgage Broker in Newcastle
Malcolm and Amy - Newcastlemoneyman Directors

Welcome to Newcastlemoneyman, your home of trusted, expert mortgage advice in Newcastle.

Our team is committed to making the home buying and remortgaging process stress-free and straightforward.

To speak with a mortgage advisor in Newcastle, book your FREE mortgage appointment online.

Welcome to Newcastlemoneyman, your home of trusted, expert mortgage advice in Newcastle.

Our team is committed to making the home buying and remortgaging process stress-free and straightforward.

Malcolm and Amy - Newcastlemoneyman Directors

Speak to an Advisor - It's Free!

Reviews Stars5.00 Rating17 Reviews

Mortgage Broker in Newcastle
Trusted Mortgage Advice in Newcastle

How can we help you obtain a mortgage in Newcastle?

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Feel free to read our genuine reviews from some very happy customers. As a team, we are proud of the service we provide and aim to provide the same level for every customer we speak to.

Getting a new mortgage or porting an existing mortgage isn’t always easy. We’ll be here to answer all your questions throughout the whole process. Our goal is to help you achieve your mortgage needs by providing a high standard of mortgage advice.

Our mortgage advisors will be always open and honest, recommending the best options for your circumstances. We’re here to put your mind at ease and answer any mortgage questions you have, both before and during the process.

We work with a large number of lenders, which enables us to search through thousands of deals to ensure you take out the most appropriate mortgage for your individual situation.

Over the years as a mortgage broker in Newcastle, we’ve spoken to and helped thousands of customers in achieving their mortgage goals. With our extensive time in the industry, there is rarely a situation that we haven’t come across.

How Our Mortgage Advice Process Works

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As a mortgage broker in Newcastle, it is our job to find you the best mortgage or remortgage for your circumstances. The first step is to get you booked in for a free mortgage appointment with a qualified mortgage advisor.

During your initial consultation, your mortgage advisor will collate information surrounding your current financial situation. With this information in hand, we will then search our various lenders to find you the most suitable mortgage product.

Your mortgage advisor will then recommend you the best deal available, not just looking at the headline rate, but all aspects and costs involved with that particular product. If you are happy with the recommendation, we can then look at obtaining your mortgage agreement in principle (AIP).

Armed with your AIP, it’s time to go house hunting! Once you have had an offer accepted, you will then need to speak with your mortgage advisor in Newcastle, to proceed with your full mortgage application.

From this point onwards, it’s down to us. We will submit your full mortgage application and your dedicated case handler will keep you updated on the process until the point we receive your formal mortgage offer.

We will help take the stress away and overcome and hurdles that may present along with your home buying or remortgage journey. We will keep in touch with you even after your completion, making sure that your mortgage is still the best deal for you.

Contact a Mortgage Broker in Newcastle

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If you are looking for help obtaining a mortgage, then look no further. As a mortgage broker in Newcastle, we are ready to help you achieve your goals. Whether you are purchasing for the first time, moving home, purchase an investment property, or just needing some mortgage advice, we will be happy to help.

Our mortgage advisors in Newcastle are on hand 7 days a week. Usually, we have same-day appointments available, contact us today and start your mortgage journey.

Why choose us as your mortgage broker in Newcastle?

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As a mortgage broker in Newcastle, we have over twenty years of experience in the industry. So you can rest assured that you’re in safe hands.

We offer all of our customers a free initial mortgage appointment with a mortgage advisor in Newcastle. This can be scheduled for evenings and weekends to suit a time convenient for you.

Customer service is at the heart of our team here at Newcastlemoneyman, and this really shines through in our customer reviews. We will always be open and honest with our mortgage advice, making sure we secure you the best mortgage that is available for your circumstances.

Why approach a Mortgage Broker in Newcastle rather than a bank?

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As a mortgage broker in Newcastle, our mortgage advisors work from a large panel of lenders. This means that we are able to search 1000s of deals to find you the best mortgage. Whereas if you approached your bank, they would be limited to offering only their products and not any other lenders.

We also work with a number of lenders who offer niche ‘Specialist’ products all with varying criteria. We often find that customers who approach us, have previously tried their banks but have been declined for a mortgage due to the strict lending criteria. In many of these cases, we are able to help.

We are usually able to offer same-day appointments with our mortgage advisors, making the process much quicker than waiting for an appointment with your bank or building society.

Contact Us For Mortgage Advice in Newcastle Today

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To get in touch please visit our contact page or give us a call on 0191 432 9860 and we’ll book you in for a free mortgage appointment with a mortgage advisor in Newcastle.

Free Mortgage Calculators

We Search 1000s of Mortgage Deals in Newcastle

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Paragon Mortgages
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Halifax
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BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Mortgage Questions in Newcastle

How does the mortgage process work?

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To begin, we conduct a Mortgage Fact Find. This crucial step helps us understand your unique mortgage requirements and the types of deals that best suit your needs.

Following the Fact Find, we schedule a free mortgage appointment with one of our experienced mortgage advisors in Newcastle. During this appointment, they gather additional information to tailor our services specifically to your situation.

If you’re eager to secure your ideal property, we can swiftly arrange an Agreement in Principle (AIP), also known as a Decision in Principle or a Mortgage in Principle, within 24 hours. This document could increase the likelihood of the seller accepting your offer, giving you a competitive edge.

Once you’ve found your dream home and are satisfied with our mortgage recommendation, we proceed with the mortgage application process. Typically, a formal mortgage offer takes around three weeks. Throughout this period, we keep you informed about the progress of your application.

Our streamlined approach ensures that you receive expert guidance and support at every stage of the mortgage process, making your home-buying journey as smooth and stress-free as possible.

How long does the mortgage process take?

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The time it takes to process a mortgage can vary depending on several factors, including the complexity of your application and the lender’s requirements. On average, the process from application to mortgage offer takes about 2 to 6 weeks. However, more complex cases or delays in providing documentation can extend this period. Our mortgage advisors will keep you informed throughout the process, ensuring you know what to expect at each stage.

How does the free mortgage appointment work?

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Our free mortgage appointment is designed to provide you with personalised advice without any obligation. During this appointment, one of our experienced mortgage advisors in Newcastle will discuss your financial situation, understand your needs, and explore suitable mortgage options.

We cover a wide range of mortgage products, including secured loans, bridging loans, and specialised mortgage options for those aged 60 and above. Whether you’re looking for a traditional mortgage, need a short-term financial solution like a bridging loan, or are exploring options tailored to older borrowers, we offer expert guidance to suit your circumstances.

Our mortgage advisors in Newcastle will gather detailed information from you to ensure our recommendations are precisely tailored to your needs. We’ll explain the different products available, including their benefits and potential drawbacks, helping you make an informed decision.

By the end of the appointment, you’ll have a clearer understanding of your mortgage options and the next steps to take. Whether you’re a first time buyer, remortgaging, or looking for a specialist loan, our team is here to support you through every stage of the process.

When should I obtain an Agreement in Principle in Newcastle?

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Obtaining an Agreement in Principle (AIP), also known as a Decision in Principle or a Mortgage in Principle, is an important step in the home-buying process. It’s advisable to get an AIP before you start house hunting in Newcastle. This not only gives you a clear idea of your budget but also shows sellers that you’re a serious buyer, which can give you an edge in a competitive market.

An AIP provides an indication of how much you can borrow based on an initial assessment of your financial situation. Having this document ready before viewing properties demonstrates that you’re well-prepared and can act quickly when you find your ideal home.

How long does an agreement in principle last?

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An Agreement in Principle (AIP), also known as a Decision in Principle or a Mortgage in Principle, typically lasts between 30 to 90 days, depending on the lender. This gives you a time frame to find a property and proceed with your mortgage application. If your AIP expires before you’ve found a home, don’t worry—our mortgage advisors in Newcastle can help you renew it or obtain a new one, ensuring your home-buying process stays on track.

Can I get a second mortgage?

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Yes, you can obtain a second mortgage. Whether you’re looking to buy an additional property, invest in buy to let, or release equity from your current home, our mortgage advisors can help you explore your options. We’ll assess your financial situation and provide guidance on the best approach to securing a second mortgage.

How much deposit do I need for a mortgage in Newcastle?

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The deposit required for a mortgage in Newcastle depends on various factors, including the type of mortgage and the lender’s criteria. Generally, you will need a minimum deposit of 5% of the property’s value for a standard mortgage. However, a larger deposit, such as 10% or 20%, can often secure better mortgage rates and terms. Our mortgage advisors in Newcastle can help you understand the specific requirements based on your circumstances.

Can I get a mortgage with previous credit problems?

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Having previous credit problems doesn’t automatically disqualify you from getting a mortgage in Newcastle. While it may be more challenging, there are lenders who specialise in providing mortgages to those with adverse credit histories. Our experienced mortgage advisors in Newcastle can help you identify suitable lenders and guide you through the application process to improve your chances of securing a mortgage.

I’m self employed, can I get a mortgage?

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Yes, being self employed doesn’t prevent you from getting a mortgage in Newcastle. However, the application process may differ slightly compared to employed applicants. Typically, you’ll need to provide more documentation to demonstrate your income and financial stability. Our mortgage advisors in Newcastle are well-versed in assisting self-employed individuals and can help you gather the necessary documents and present your case effectively to lenders.

What documents will I need to send to my mortgage broker in Newcastle?

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To process your mortgage application, you’ll need to provide several key documents to your mortgage broker. These typically include proof of identity (such as a passport or driving licence), proof of address (like utility bills), proof of income (payslips or tax returns for the self employed), and bank statements. Having these documents ready can speed up the application process and help your mortgage advisor find the best deal for you.

Free Mortgage Guides

Newcastlemoneyman.com & Newcastlemoneyman 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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