Malcolm and his mortgage experts
The best thing about our job as a Mortgage Broker in Newcastle is helping our clients navigate through the often stressful experience of buying a home or remortgaging. It can be a complicated process and our clients love having someone on their side from start to finish to ensure they get the right advice.
We do pride ourselves on providing a highly responsive service, communication is everything in this job. We work from a large panel of well-known high street banks and building Societies to ensure our clients get the best deal available to them but we also work with smaller, more specialist Lenders too for when we come across clients who don’t “tick all the boxes”.
Malcolm Davidson
Amy Davidson
Chris Thompson
Charlie Bryson
Jason Loft
Leo Shakespeare
Matt Collinson
Tom Bowes
Wayne Dewsbury
5.00 Rating15 Reviews
Sikandar
Matt has been amazing. He not only found me the cheapest mortgage but also made sure that the offer is secured quickly. He remained in close contact advising me at every step of the process. He also helped me in negotiations with the vendor’s...
4 hours ago
Anonymous
Helped us to find a reasonable deal but also requested a better one when the lender reduced their rates
1 month ago
Steven
Fantastic service and had our mortgage approved within a week of our first call! Chris and Jo were a pleasure to deal with and available to chat at a moment's notice, even at weekends. The process was incredibly smooth and any recommended...
1 month ago
Grace
Matt gave us really good advise, which helped to give us the confidence to proceed with purchasing our first home. Once we had an offer in we were quickly shown the best mortgages to apply for, life insurance/critical illness insurance, and we were...
1 year ago
Lois
Brilliant service as always. Thank you guys 🙏 🏡
1 year ago
Anonymous
Both Jason and Chole were very helpful in helping me and my partner secure a mortgage despite having trouble getting one in the past.
1 year ago
Michael
Great response and very friendly service. Very helpful.
1 year ago
Jacqueline
My experience with this company has been great and I highly recommend them. From the initial stages through to getting the offer, everyone I spoke with was informative, professional and friendly. Tom and Jonathan really helped with the initial...
1 year ago
Sunna
I have spoke to Arron today, I have received excellent customer service. He listened me carefully and answered all my questions promptly!! Good adviser.
1 year ago
Lydia
Amazing! UK moneyman were there every step of the way. Making sure I understood everything and taking the stress out of buying your first house. They were very responsive to emails, calls and gave excellent customer service. 10/10 could not fault...
2 years ago
Kevin
All staff, very efficient,communication excellent and found us a great deal on our mortgage as my credit rating wasn’t great.Thankyou very much Leo and Newcastle moneyman.
3 years ago
david
Being self employed it was hard to get a mortgage!but thanks to Newcastle money man I’ve got one !!!thanks again would definitely recommend them!👍
3 years ago
Harley
Professional service from start to finish. Very helpful with all of the questions I was throwing at them also. Would recommend 100% and we feel we for the prefect product mortgage for us. Thank you guys!
3 years ago
Darla
Great advice from start to finish. I had only dealt with a Broker via Estate Agents before so it was a little different to do everything over the phone but much better really because I was able to speak to someone late into the evening after I had...
3 years ago
Darla
we just used this mortgage brokers for a mortgage on our new house. right from the initial phone call, the service received was very swift and carried out by professional yet very caring people. they made sure that every detail was done to the...
3 years ago
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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