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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

Fast & Friendly 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 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 007

Common mortgage questions

Your free mortgage consultation in Newcastle will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

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

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Newcastle. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home in Newcastle for things like debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let. If you need to talk to a Specialist Mortgage Advisor in Newcastle, we are more than happy to have a chat about your second mortgage options.

The minimum deposit when purchasing a house in Newcastle with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price. If you are struggling to get a mortgage because of past credit problems, get in touch with your Mortgage Broker in Newcastle and we will see if we can try and help!

Once you have submitted at least one year’s accounts, you will be able to get your mortgage journey in Newcastle started. Most lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed applicants. You will also need to produce proof of ID, address and 3 months’ bank statements before you can get accepted for your mortgage in Newcastle.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average. 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.

© 2020 Newcastlemoneyman

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