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Specialist Mortgage Advice in Newcastle

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Specialist Mortgage Advice in Newcastle

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Newcastle tailored for your individual financial situation.

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Solutions for complicated mortgage situations in Newcastle

You might find the mortgage journey is not always smooth sailing, it can come with its ups and downs.

The good news is that our team can utilise their 20 plus years of industry experience to help you conquer any hurdles that may come with getting a mortgage. Our job is to find you a mortgage deal that is fitting for your personal and financial situation.

Within your mortgage appointment, your dedicated mortgage advisor in Newcastle will look at your affordability, reliability and credit file. In the case where we can’t offer you a lender’s high street products, our team can find you a better deal through a specialist lender.

We will recommend you to take a specialist product out if we feel that it will suit your financial situation. As well as this, it will increase our chances to be accepted. One drawback with having a specialist product is that the lender may request a larger deposit from you, this will be determined mainly by credit score.

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Specialist Mortgage Advice in Newcastle

Looking for specialist mortgage advice in Newcastle?

A benefit of using the services of a mortgage broker in Newcastle, like ourselves, is that we have access to a large panel of lenders including ones who offer specialist products. From this, we can look through these to find the right product for you. Over the years, we have helped customers with bad credit to get a mortgage that is fitting for their circumstances.

Getting declined by a high street lender could be down to a number of reasons and taking out a specialist product may be the best solution for you.

In the case where you have been declined by a bank or building society, our team would advise you to stop applying. It can harm your credit score the more times you apply and get declined.

Take advantage of the free mortgage appointment we offer to customers by booking online and we will connect you with a specialist mortgage advisor in Newcastle.

Do you require a specialist mortgage advisor in Newcastle?

Newcastlemoneyman provides transparent and expert mortgage advice in Newcastle, helping clients determine the best option for their financial situation, including debt consolidation.

Adding unsecured debt to your mortgage can increase the overall repayment cost, and securing other debts against your home should be carefully considered. Our team of expert mortgage advisors in Newcastle can provide personalized recommendations based on each lender’s unique criteria and our clients’ financial situations.

Obtaining an up-to-date credit report can help us better understand your situation during your free initial mortgage appointment and work towards achieving your mortgage goals.

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Common FAQs for Specialist Mortgages in Newcastle

What is bad credit for a mortgage in Newcastle?

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It can be difficult to handle your finances, and failing to make timely payments can harm your credit score, which may result in a poor credit rating in Newcastle. The magnitude of the score drop depends on the number and nature of missed payments.

Can I remove a CCJ from my credit file in Newcastle?

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If you receive a CCJ, you must settle it within a specific timeframe to erase it from your credit report. If you repay the outstanding balance within 30 days, the court can eliminate the CCJ from your credit file using the registry. However, if you fail to repay the due amount, the CCJ will remain on your credit report for six years.

When should debt consolidation in Newcastle be considered?

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Many homeowners will remortgage in Newcastle to release equity from their homes. There are many reasons why you could raise capital, from funding for home improvements to giving a deposit to help a family member climb the property ladder.

If you are struggling financially and every other avenue has been exhausted, then you might need to look at debt consolidation in Newcastle. Although a risky decision and not something to take lightly, remortgaging to release equity for debt consolidation purposes in Newcastle can be a way to combine your monthly expenses into another affordable monthly outgoing.

Providing clear and transparent mortgage advice in Newcastle, we will review your circumstances and help you determine if debt consolidation in Newcastle is the best option for you.

You should think carefully before securing other debts against your home. By adding your unsecured debt to your mortgage, which is secured on your home, you may endanger your home if you can’t make the necessary repayments.

Although the total monthly cost of servicing your debt may have been reduced, the total repayment cost may still have increased because the duration of your mortgage is longer than it may have taken to repay the original debts.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

Discuss the challenges you are currently faced with and what you are looking to achieve with a trusted mortgage advisor in Newcastle.

During your free mortgage appointment with a mortgage advisor in Newcastle, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Newcastle will proceed to submit your full mortgage application and relevant evidence documents.

Throughout the process, your dedicated case manager will keep you informed until you receive your mortgage offer and complete your purchase.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

We will contact you again when your mortgage is due for renewal to ensure that you are still on the most favorable deals.

Reasons to Choose us

Free Mortgage Appointment

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Customers are at the heart of Newcastlemoneyman. Our goal is to support you through the process and leave you feeling happy with your mortgage deal. We strive in providing open and honest Mortgage Advice in Newcastle and provide a helping hand throughout the process.

1000s of Deals

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With a vast panel of lenders available to us, we can help you as a reputable Mortgage Broker in Newcastle with many of the lenders having unique lending criteria. We could help you find a product that is suitable for your situation.

Using their expert knowledge and experience, our Mortgage Advisors in Newcastle can recommend the best mortgage product for the situation.

Our Service

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If you are concerned about your credit score, it’s best to look at getting an up-to-date copy of your credit report. This will be helpful when it comes to your free initial mortgage appointment because you can have a better idea of your situation and see if we can help.

7 Days a Week

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Contact our team and book yourself in for your free initial mortgage appointment with a friendly mortgage advisor in Newcastle.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

We Search 1000s of Specialist Mortgage Deals in Newcastle

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An In-Depth Look at Specialist Mortgage Scenarios in Newcastle

An In-Depth Look at Specialist Mortgage Scenarios

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Instead of dealing with mortgage hurdles on your own, obtaining open and honest mortgage advice in Newcastle can be helpful if you are in a challenging mortgage situation.

Over time, we have helped thousands of customers through their specialist mortgage situation which has led them to get a mortgage product that fits their circumstances. Below we have listed the situations we have encountered when dealing with customers in specialist mortgage situations.

Property Down Valuation

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When your offer has been accepted on a property, however, your property survey shows that you are paying above what the property is worth, your lender may pull out of the deal. This means they will want to give more money than you need.

This process is called down valuation. This can be challenging and can stall your process if you don’t act quickly.

Divorce & Separation Mortgage Advice

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If you are going through a divorce or separation, your financial commitments with your ex-partner should be a top priority. Your mortgage may still be linked to your ex-partner, therefore, it may be wise to remove yours or your ex’s name from the mortgage.

Our team strive in providing you with a service that takes some weight off you during this challenging time.

Single Name Mortgages for Married Applicants

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In the circumstance where you are married but prefer to take out a mortgage in your name only, it will involve you showing that you could afford it.

This is because lenders need to see you are a responsible applicant who will keep up with their monthly mortgage payments.

Shared Ownership

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The Shared Ownership Scheme is designed for buyers who are looking to take out a mortgage on a percentage of a property. The percentage can vary between 10-75%.

Further down the line, you may have the option to take 100% of the property if it’s something you are looking to do.

Professional Mortgages

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This type of mortgage only applies to applicants in particular professions. If you fit in one of these categories, get in touch to see what you can access.

Second Home Mortgages

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When you are looking to take out a mortgage on another property, you will need to demonstrate that you can manage two sets of payments.

It may require you to take out a higher deposit during this purchase.

Holiday Home / Let Mortgages

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If you are buying a holiday home, you might want to consider whether you’re going to let it out or not. Renting it out at a time where you’re not living in the property could make you some additional money. Get in touch with our team if you are looking to purchase a holiday home.

New Build Mortgages

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New builds can be known to be more expensive, therefore, you may find it challenging to meet your deposit target. There are government schemes like the Help to Buy Equity Loan that can help you meet the deposit target.

Non-Standard Construction Property Mortgages

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Properties that aren’t made out of brick and mortar are known as ‘Non-standard’ construction properties. With these, you need to take out a specialist mortgage product.

Furthermore, buying a property like this may involve you getting a full structural survey carried out.

Multiple Applicant/House of Multiple Occupation Mortgages

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This type of mortgage usually attracts landlords. You will need to speak to mortgage specialist if you are looking to take an HMO mortgage out.

We have buy to let experts to help you with the process.

Mortgages Past Retirement Date / Lifetime Mortgages

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A lifetime mortgage can help those looking for a mortgage and are past retirement. It does mean you will receive lump sum of money but you may find it difficult to pay it off.

As well as this, we can provide advice to those looking at Equity and lifetime mortage advice. For more information, contact our team.

Offset Mortgages

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You can link your savings to the mortgage when you take out an offset mortgage. As well as this, you can usually get competitive interest rates.

Free Mortgage Guides & 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

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