Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.

Our Customers Love Us

5.00 Rating26 Reviews

Ahmed

Jason and Ruth been both amazing Great service, thank you

1 month ago

Hazel

very easy to deal with, helpful and gave good advice, handled remortgage on our behalf

2 months ago

Ahmed

Great service and support, they sometimes take time in replies, however, they kept me always informed and updated with next steps. Thank you Ruth and Jason

2 months ago

Craig

Very good Friendly and professional

3 months ago

Dawn

Can not fault this Mortgage Brokers. Connor was always there if I had any questions. My mortgage was dealt with super quick !! I felt totally at ease talking to him, 10/10 and would recommend to anyone who needs a Broker . Thanks so much .

7 months ago

Anonymous

Fantastic service provided by Matt C. We are first time buyers and have been well supported throughout our mortgage application.

7 months ago

Lorrin

Working with Chris at uk money man was such a breeze. Being not only a first time buyer but using the right to buy scheme can't be so confusing stressful. Chris completely removed all the worry for us,and stacey has been amazing getting us through...

8 months ago

Dale

Absolutely brilliant staff, I felt that they really cared and were very patient me. I honestly believe I probably would have never bothered to continue buying my house without the help of this firm. Very trustworthy and did exactly what they said...

8 months ago

Victoria

I have had an incredible experience with money man. The whole process from start to finish was so professional and helpful. My mortgage advisor Dinah went above and beyond for me and really reassured me as a first time buyer by explaining everything...

9 months ago

Jill

Excellent customer service - highly recommend

1 year ago

Paul

Professional service that was friendly and problem free - could not be faulted and is highly recommended for later life financial services.

2 years ago

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...

2 years ago

Anonymous

Helped us to find a reasonable deal but also requested a better one when the lender reduced their rates

2 years 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 parties...

2 years 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...

3 years ago

Lois

Brilliant service as always. Thank you guys 🙏 🏡

3 years 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.

4 years ago

Michael

Great response and very friendly service. Very helpful.

4 years 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...

4 years 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.

4 years ago

How Much Can I Borrow?

Popular FAQs

Is the borrow calculator accurate?

How long does the mortgage application process take?

Can I get a mortgage with bad credit?

What documents do I need to apply for a mortgage?

Should I use a mortgage broker?

How Much Deposit Do You Need to Buy a House in Newcastle?