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Fast & Friendly Mortgage Advice in Newcastle

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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We love helping customers who really need Mortgage Advice in Newcastle - it's not just about finding a mortgage, we will hold your hand through the full process.

For your FREE mortgage consultation call 0191 432 9860

About Us

For your FREE mortgage consultation call 0191 432 9860

Malcoms Image

We love helping customers who really need Mortgage Advice in Newcastle - it's not just about finding a mortgage, we will hold your hand through the full process.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Advice in Newcastle | Mortgage Broker in Newcastle

Welcome to the online home of Newcastlemoneyman. We have many experienced and friendly Mortgage Advisors in Newcastle, ready and waiting to help you with all your mortgage needs. We strive to make the process as simple as possible, easing any stress might have and ultimately achieving your mortgage goals, working alongside you and your personal circumstances to ensure that is possible.

How can we help with your dream home?

Feel free to read our genuine reviews from some very happy customers over at Reviews.co.uk. As a team we are proud of the service we provide and aim to show that same level amongst every customer we speak to. We work for you, not the estate agent, bank or building society – Our only goal is help you achieve yours by providing a high standard of Mortgage Advice in Newcastle. Being a smaller and friendly Mortgage Broker in Newcastle works in our favour too, as we are able to add the personal touch to all that we do. 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 great number of lenders on our panel, searching through thousands of deals to ensure you end up with the most appropriate deal for your individual situation. Once we’ve had a chat, gotten to know you a little better, and provided some expert Mortgage Advice, Our Mortgage Advisors in Newcastle will search through our internal system and see what they can find.

 

Over the years as a Mortgage Broker in Newcastle, we’ve spoken to thousands of customers. Through our interactions with these customers we’ve seen many recurring situations. One of these is the high street bank turning many of them away, sometimes without giving a full explanation as to why. This can be harmful as you are left with no explanation of how to prepare for one in the future.

How our Mortgage Advice process works

As your friendly and honest Mortgage Broker in Newcastle, we will be by your side throughout your home buying or remortgaging process. You will find us incredibly adaptable and flexible so we will always work with you to find the best time for our discussions, with Advisors being available until 10 pm if necessary. You are assured of receiving professional open & honest Mortgage Advice in Newcastle when you take part in one of our free mortgage consultations.

 

Over the years we have seen many of our customers return to our Mortgage Broker in Newcastle, for either new mortgages or their Remortgage. As a company, we firmly believe in providing transparent and upfront Mortgage Advice in Newcastle for all of our customers. Knowing that they are able to go the extra mile and continue our existing journeys with existing customers, our team of Mortgage Advisors feel motivated and excited to help them along their homebuyer or remortgage journey.

Contact your Mortgage Broker in Newcastle

If you find that you are in need of some Mortgage Advice in Newcastle, it might be worth your while getting in touch with us and discussing your circumstances. Boasting an experienced team led by Experienced Mortgage Advisor in Newcastle, Malcolm Davidson, our team are here from 8 AM until 10 PM, 7 days a week to assist you with any of your mortgage questions.

Why use Newcastlemoneyman as your Mortgage Broker in Newcastle?

Unlike the high street banks, we’re able to search thousands of mortgage deals to find which one suits your individual circumstances best. With Mortgage Advisors in Newcastle here from early until late, all throughout the week, there’s never a bad time to get in touch. We’re more than happy to work around you and your needs to ensure we get the ball rolling.

We’d be happy to have a chat!

Some of the lenders we work with offer niche, specialist mortgage products, all with varying criteria that our team are knowledgeable of. Due to our many years of experience of providing top quality Mortgage Advice in Newcastle, we are able to personalise the service we provide you, taking into account your individual circumstances. Got a complex situation? Worry not, we will still do what we can to help you!

 

We think it’s a good idea to speak with an expert Mortgage Advisor in Newcastle ahead of time. Our team are able to assist you with such things as budget ideas, and arranging your Mortgage Agreement in Principle, something which can usually be obtained within 24 hours of your call. Having these, especially an Agreement in Principle, puts you in a better place for making any future offers on a property.

 

If you’re interested in working out what your monthly repayments may be, you may find our Mortgage Calculators Page incredibly useful. Although only an estimation, it can come in handy for anyone who would like an idea of what they could be paying back for their mortgage.

 

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 Consultation with a Mortgage Advisor in Newcastle.

Mortgage advice in Newcastle – Options:

First Time Buyer Mortgage Advice Newcastle

We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Newcastle

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Newcastle

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

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Common mortgage questions

Your free mortgage consultation in Newcastle will last approximately about one hour. We will then recommend a mortgage for you, where you have no obligation for you to proceed and then it is your choice whether or not you wish to proceed with the mortgage.

As your Mortgage broker in Newcastle, we will carry out a Fact Find with you to establish your personal & financial needs before we recommend the most suitable mortgage for your circumstances. A credit check will then be required for you to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can then be issued a formal mortgage offer.

To avoid possible disappointment, we would highly suggest that you obtain an Agreement in Principle before you begin viewing a potential new home in Newcastle. At the very latest you should try to obtain one prior to making any offers to help with your bargaining position.

The standard for how long an Agreement in Principle will last is between 30 and 90 days, depending on the lender used. If your Agreement in Principle expires it can be easily refreshed with the help of your advisor.

You may have the option to get a second mortgage on your home in Newcastle for something like debt consolidation or home improvements. It may also be possible for you to take out a mortgage on a second property if you’re looking to potentially use it for yourself, a family member, a holiday home or a Buy-to-Let. If you require the help of a Specialist Mortgage Advisor in Newcastle, we are more than happy to have a chat about your options for a second mortgage.

The minimum deposit that will be required when purchasing a house in Newcastle with High Street Lenders is usually 5%. This, however, can be higher if you have had prior credit issues.

If you have had credit problems you may still have some options to get a mortgage but this require extra steps, such as being asked to put down a higher deposit than usual, potentially 15% of the property purchase price. If you are having difficulty in trying to obtain a mortgage because of past credit problems, please feel free to get in touch with your Mortgage Broker in Newcastle and we will see how we are able to help!

Once you have submitted at least one year’s accounts, you will be able to begin your mortgage process in Newcastle. Most lenders will use a sum of salary plus dividend to calculate the maximum mortgage, whereas others are known to use your net profit.

You’ll find that the lenders will usually want to see three payslips from an employee to prove their income and the latest 2 years’ accounts for Self-Employed applicants. You will also need to provide the lender with proof of ID, address and 3 months’ bank statements before they will accept you for a mortgage in Newcastle.

Our free consultation will usually last around an hour or so. Our advisors are able to turn round an agreement in principle within 24 hours of your appointment. A formal mortgage offer will on average take about three weeks. Before you know it you will have your mortgage secured in Newcastle.

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Newcastlemoneyman.com & Newcastlemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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