Mortgage Broker in Cramlington

Book your free mortgage appoint online in Cramlington

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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Book your free mortgage appointment online through our 'Get Started' process. Once you provide us with some information about your financial situation, we can then we will pair you with a mortgage advisor in Cramlington.

For your FREE mortgage appointment with a mortgage advisor in Cramlington, book online.

Book Online

For your FREE mortgage appointment with a mortgage advisor in Cramlington, book online.

Malcoms Image

Book your free mortgage appointment online through our 'Get Started' process. Once you provide us with some information about your financial situation, we can then we will pair you with a mortgage advisor in Cramlington.

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 Cramlington – Open & Honest Advice

Hello! We are a Mortgage Broker in Cramlington, and our job is to help you through the whole mortgage process. Over our 20 years of working within the mortgage industry, we have worked with many different types of customers in all kinds of situations. From First Time Buyers to Buy to Let landlords, we can help in almost every mortgage situation, let us help you next!

 

You can also book a free mortgage appointment online by following our ‘Get Started’ process. By booking online with a Mortgage Broker in Cramlington like us, we can pair you with the best Mortgage Advisor in Cramlington for your financial and mortgage situation. They will work with you from start to finish to make sure that you feel comfortable and secure at all times.

 

We know that the mortgage process can be stressful at times, and that’s why we want to offer you a helping hand. Our team have never been more ready to help in this competitive market.

Your Mortgage Options in Cramlington

We cover all different mortgage types, but here are our most popular:

First Time Buyer Mortgages in Cramlington

How do you start the mortgage process? Do you need to find a house first? Not knowing how to start the mortgage process is a common theme amongst First Time Buyers in Cramlington; it is difficult though, we don’t expect everyone to know what they are doing, and that’s why we want to help!

 

First of all, you can speak to a Mortgage Advisor in Cramlington who will explain the whole mortgage process to you, work out how much you would be able to borrow and can arrange an Agreement in Principle for you within 24-hours of your appointment. Ask as many questions as you would like, no question is a stupid question!

 

We offer free mortgage advice to all of our customers. All that you have to do is book your free mortgage appointment online and pick a date and time.

Moving Home Mortgages in Cramlington

If you’re moving home in Cramlington, the mortgage process will be almost identical to the first time around, however, this time you will be selling or planning to let it out too. Having to take care of two separate properties can get complicated, therefore, it may be a good idea to use a Mortgage Broker in Cramlington to help you sort the mortgage side of things.

 

 Over our 20 years of working with mortgages, we have helped thousands of customers move into their dream homes. In Cramlington, we could be the broker that you need to help you get over that finish line.

Buy to Let Mortgages in Cramlington

Our team are experts when it comes to helping Buy to Let landlords. You need to match specific requirements to obtain a Buy to Let mortgage, we can talk you through these and make sure that you are representing yourself in the best way possible. Generally, the larger the Buy to Let portfolio that you have, the easier it will be to get accepted. This does not mean that it is impossible to be approved as a First Time Buyer landlord, you will just need to provide a strong deposit and demonstrate how you will be able to meet the payments of the Buy to Let mortgage.

 

For further Buy to Let Mortgage Advice in Cramlington, feel free to contact our team and they will be happy to answer any questions that you may have. We have Buy to Let specialists available to pick up your query when you get in touch.

Remortgaging in Cramlington

When your fixed mortgage term is approaching its end, it is time for a Remortgage. If you’ve kept up to date with your repayments, you may be able to access a better rate. These products are competitive and should be better than your lender’s standard variable rate of interest. You may end up on your lender’s rate if you do not Remortgage.

 

We can help you search for the right remortgage product for your individual circumstances. This involves us shopping around for various deals through different lenders. If this is something that you would like us to do, follow the Remortgage route in our book online form to get your remortgage journey started!

 

When you are Self Employed, you will need to support your income with a few more pieces of evidential documents. Your Mortgage Advisor in Cramlington will tell you what you need to provide during your free appointment.

Why Choose us as your Mortgage Broker in Cramlington?

Unlike your bank or building society, we can guarantee responsiveness and we will be open and honest with you at all times, trying to find you a deal that saves you both time and money. We are experts in this field of business that can help you achieve a great mortgage product to go with your new home.

 

We are open 7 days a week, which means that you can book your mortgage appointment on the weekend. Put your working life and personal commitments first, then give us a call!

 

We can search 1000s of mortgage deals. Our huge catalogue of both high street and specialist lenders offers many different products for all mortgage types. No matter your mortgage situation, your Mortgage Advisor in Cramlington will try their best to find you a suitable deal that is tailored to your situation.

 

Take a look at our amazing reviews and see how others have valued our service. Customer service is at the heart of our business, we put the client first. This means being open, honest and transparent every step of the way.

Our Simple 4-Step Process

Book yourself in for a free mortgage appointment. You can do this online or over the phone, you choose.

 

A Mortgage Advisor in Cramlington will talk you through your options, take a look at your situation and recommend the best option to take.

 

If they manage to find a mortgage for you, and you want to proceed, we can begin preparing your application.

Once you are ready to go, we can submit your mortgage application to the lender. It’s that simple!

Have you been declined by your bank?

If you have been declined by your bank and need Mortgage Advice in Cramlington, we would suggest coming to us for help. We would also recommend that you don’t apply to other banks to avoid the risk of damaging your credit score if you get declined again.

 

There will be a reason why you have been declined, and we can help you find it. This could be down to adverse credit, a fault in the application, affordability or something else. Our advice would be to try and improve on the factors that are harming your application, this way, you are putting yourself and your application in the best position possible.

 

Getting a mortgage is never guaranteed, and that’s why we cannot assure you that you will be able to secure a mortgage. We can, however, try our best to help and see what we can do for you. As a Mortgage Broker in Cramlington, we love a good challenge and would be more than happy to take a look at your situation.

 

How do I transact with my Mortgage Broker in Cramlington?

You can choose to transact with us via email, over the telephone or through video calls - it's completely up to you!

Book online for Free

Choose your own appointment date and time; we have time slots available 7 days a week during mornings and evenings.

I've been declined by my bank in Cramlington, can you help?

If you have been declined by your bank and need specialist help, we can look and your situation and take it from there.

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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