Burger Menu

Mortgage Broker in Gosforth

Book your Free Mortgage Appointment in Gosforth

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Malcoms Image

Mortgage Advice in Gosforth with over 20 years of experience behind it. In Gosforth, a Mortgage Advisor will work with you from start to finish to ensure that you receive the best possible level of service.

To speak with a mortgage advisor, book your FREE mortgage appointment in Gosforth online or give us a call on 01914 329860.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment in Gosforth online or give us a call on 01914 329860.

Malcoms Image

Mortgage Advice in Gosforth with over 20 years of experience behind it. In Gosforth, a Mortgage Advisor will work with you from start to finish to ensure that you receive the best possible level of service.

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 Gosforth – Open & Honest Advice

You have landed in the right place if you are looking for a Mortgage Broker in Gosforth. We have been helping customers through their mortgage process for over 20 years now and are here to help you next. Whether you’ve been through this experience before or it is completely new to you, we are more than happy to offer a helping hand.

 

We work for you! Our team in Gosforth work 7 days a week so that you can speak to an expert at a time that is best for you and your personal/working life. You can easily book your free mortgage appointment online; it can take approximately a minute to complete.

 

Our job is to help you through the whole mortgage process; from initial enquiry to getting your keys, we will be right by your side. It all starts during your free mortgage appointment with a Mortgage Advisor in Gosforth. Here, you will run through your finances, affordability and eligibility so that your advisor can try to find a suitable product after your meeting. They will also arrange an agreement in principle for you within 24 hours of your appointment.

 

Your Mortgage Options in Gosforth

Our team have dealt with all different kinds of mortgage scenarios; we may have dealt with a situation like yours before. Here are the most common mortgage scenarios that we come across:

First Time Buyer Mortgages in Gosforth

As first experiences come, buying your home is one of the most stressful, but most rewarding. We are here to offer a helping hand through the process so that you feel comfortable and secure at all times.

 

As well as calculating your affordability, we can also find out how much you are able to borrow. Following these assessments, we are able to try and find you a mortgage deal that is perfect for your situation.

Moving Home Mortgages in Gosforth

If you are Moving Home in Gosforth, you will be more aware of the mortgage process and how it works. The main difference between this time and the last is that this time you will be buying and selling at the same time.

 

Our Mortgage Advisors in Gosforth will help you sort the whole mortgage side of the process so that you can sell your current home and search for your dream home without worrying about the mortgage side of the process.

Buy to Let Mortgages in Gosforth

An existing or new Buy to Let landlord in Gosforth would benefit from our mortgage advice service. We have been working with local landlords for over 20 years and have strong, withstanding relationships with the majority of them. When their Buy to Let property is due for a mortgage renewal, they are more than happy to return to us for our services.

 

We have many different types of lenders on panel, each holding various Buy to Let mortgage products. There are both high street and specialist products available. It is your Mortgage Advisor in Gosforth who will try and pick out the perfect deal for you and your personal and financial situation.

Remortgage in Gosforth

It is time for you to Remortgage when it comes to the end of your fixed mortgage term. Depending on the original mortgage deal that you took out, you may need to do this every 2-5 years.

 

Remortgaging will also mean that you avoid your lender’s standard variable rate of interest. We can help you avoid their high, standard variable rate by shopping around for competitive products that are best suited to your personal and financial situation.

 

If you are Self Employed in Gosforth, the process is exactly the same apart from the evidential documents that you have to supply are a little different. They will ask for extra proof so that they are certain that you are a reliable applicant.

Why Choose us as your Mortgage Broker in Gosforth?

We are always open and honest with everything that we do. We will only try and find you a deal that is beneficial to you and you only. If you cannot access a better rate, we will be completely transparent with you and tell you if this is the case.

 

Banks and building societies could make you wait weeks on end until you get an appointment with them, however, as a responsive Mortgage Broker in Gosforth, we can usually offer next day if not, same week appointments. These appointments are also free! You can easily book this online and choose a suitable date and time.

 

We work 7 days a week, early mornings and late at night to ensure that you receive the best experience possible. Don’t hesitate to reach out to your Mortgage Advisor in Gosforth during the evening, even if you think that your question is stupid, it isn’t! They have probably answered something similar before.

 

We have access to 1000s of competitive mortgage products on our huge panel of lenders. There are many different high street and specialist deals available.

Our 4-step Process in Gosforth

Step 1 – Book online and choose your own date and time. We will pair you with a Mortgage Advisor in Gosforth based on the information that you provided.

 

Step 2 – You will attend your free mortgage appointment. Afterwards, we will run some affordability checks and see what types of mortgages you could be eligible for.

 

Step 3 – We will provide you with a mortgage recommendation. It is up to you whether or not you choose to advance with this deal, it is up to you.

 

Step 4 – We will help you prepare your mortgage application and once you are ready, it’s time for submission! Now you need to wait until you hear back from the mortgage lender.

Declined by your Bank in Gosforth?

If you have been declined by your bank, we would recommend holding off applying elsewhere until you know what it was that caused your application to slip up. This is because, the more that you get declined, the bigger the negative impact on your credit score.

 

We can take a look at your credit file and make sure that everything is in order before you submit your application. We will be able to identify the problem with your application and help resolve it so that the next time you are in a better position.

 

If you are struggling with your mortgage application, make sure to get in touch with our amazing mortgage team. We are a Mortgage Broker in Gosforth with over 20 years of experience – we know what we are doing. Book online or give us a call for a quick chat, we are looking forward to helping you!

 

Free Mortgage Appointment in Gosforth

It's easy to do! Simply answer a few questions about your personal and financial situation and your mortgage needs, then we can pair you with the perfect Mortgage Advisor in Gosforth that specialises in your situation.

Declined by your Bank?

We often deal with customers that have been declined by their bank. If you are in a tough mortgage scenario and need urgent help from a Mortgage Broker in Gosforth, don't hesitate to reach out and get in touch.

1000s of Deals

We have a very large panel of lenders that hold both high street and specialist mortgage products. It is your dedicated Mortgage Advisor in Gosforth that will try and pick out the perfect one for you and your circumstances.

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

Mortgage Lender 1
Mortgage Lender 2
Mortgage Lenders 003
Mortgage Lender 4
Mortgage Lender 5
Mortgage Lender 6

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.

Malcolm's
mortgage guides

Book Your Free Appointment

Newcastlemoneyman.com & Newcastlemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Newcastlemoneyman

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

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo