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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 01914 329860 or Book an appointment online.

Book Online

For your FREE mortgage consultation call 01914 329860 or Book an appointment online.

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.

Book Online

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, Mortgage Broker in Newcastle. 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 home buying and remortgaging process as simple and stress-free as possible. Our team will be on hand right through your journey, from your initial enquiry to getting the keys to your dream home.

How can we help you obtain a mortgage in Newcastle?

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.

 

We work for you, not the estate agent, bank, or builder. Our only goal is to help you achieve your mortgage needs by providing a high standard of Mortgage Advice in Newcastle.

 

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 in Newcastle

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 Consultation with a qualified Mortgage Advisor.

 

During your initial consultation, your Mortgage Advisor in Newcastle 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 in Newcastle 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 your Mortgage Broker in Newcastle

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?

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 consultation with a Mortgage Advisor in Newcastle. Your free initial mortgage consultation 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.

 

If for any reason we are unable to secure you a mortgage at the time when you contact us. We will always try to advise the right course of action to take, to hopefully improve your chances in the future.

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

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 in Newcastle, making the process much quicker than waiting for an appointment with your bank or building society.

Mortgage Advice in Newcastle

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.

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.

© 2021 Newcastlemoneyman

Newcastlemoneyman – Clavering House, 1 Clavering Place, Newcastle Upon Tyne, NE1 3NG.

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