Welcome to Bristolmoneyman – Mortgage Broker in Bristol and Cheltenham, home of mortgage advice in Cheltenham and surrounding areas. As a mortgage broker in Cheltenham with over 20 years and counting of mortgage experience, we have helped a wide variety of customers provide the help and support we need through their mortgage journey, saving both their time and their money.
As you undertake your mortgage journey, no matter what that entails, you can often feel nervous, stressed and a whole range of emotions all throughout. Our team of dedicated case managers and mortgage advisors in Cheltenham are here to ease your emotions and guide you through the process of your new financial commitment. You’ll be in safe hands, every step of the way.Speak to an Advisor - It's Free!
If you feel your situation is a little bit complicated, worry not as our years of experience has allowed us to help all kinds of customers with their mortgage situations. With this in mind, one of our Mortgage Advisors in Bristol may well have encountered a very similar situation to yours in the past. We are here to guide you through the process and over any hurdles in the way, as prepare for your mortgage application.Our Reviews
Perhaps you are a first time buyer in Bristol & Cheltenham, ready to get started on one of the biggest financial commitments you will ever make in your life, needing some guidance on the steps to take. From your first appointment, all the way through to obtaining your keys, our team will make sure you are constantly updated on what’s going on whilst keeping technical jargon as infrequent as possible.
If you are looking for someone to help you on the way to obtaining a mortgage, simply book your free mortgage appointment by utilising our online booking form, or get in touch with a dedicated mortgage advisor in Cheltenham, ahead of your first time buyer mortgage journey.
When you contact a member of our expert team, we will ask you a selection of tailored questions to get a general idea of your financial history. From this, your mortgage advisor will carry out an affordability assessment to see which mortgage products may be available to you, as well as help you obtain an Agreement in Principle for you within 24 hours of your initial appointment.
If you are struggling to save up for the initial deposit on your mortgage, it may be worth looking at using the Help to Buy scheme. Introduced by the government, there are many schemes designed to help prospective first time buyers in Cheltenham in taking their first steps onto the property ladder, such as the Help to Buy Equity Loan, Shared Ownership or Lifetime ISA.
When you are ready to moving home in Bristol & Cheltenham and are looking to obtain a mortgage, you will find that the process is familiar, as you will of course have taken out a mortgage in the past. Even still, new challenges will be present, as you are not only buying, but also selling this time as well.
Having to manage one process can be stressful, without the juggling act of dealing with two at the same time. A trusted mortgage broker in Cheltenham will be able to step in and help you handle your mortgage processes.
There are lots of reasons as to why people look to move home, such as needing a bigger property. If you are in a situation like this, get in touch with a member of our team. We will discuss your affordability and help you to budget for the journey ahead.
Throughout our over two decades and counting in the mortgage industry, we have built strong, long-lasting relationships with many landlord looking forbuy to let mortgage in Bristol & Cheltenham. Our team are on standby, ready to help you out, whether you’re doing this as a first time buyer, first time landlord, or you’re experienced, with a portfolio already.
There are a lot of different buy to let mortgage options out there like a HMO, holiday let, let to buy and much more! Your dedicated mortgage advisor in Cheltenham will be able to run through all of your buy to let options with you, during your free mortgage appointment.
A remortgage occurs when you are nearing the end of your introductory mortgage period. The process involves moving across onto another mortgage product, as a means of preventing you from falling onto your lender’s standard variable rate of interest. We are able to help our customers to search the market for competitive rates and mortgage products.
As well as finding a better mortgage deal, many people will remortgage for different reasons such as to release equity, for any much needed home improvements or to consolidate debt into their mortgage, making their finances more manageable.
You should always seek professional buy to let mortgage in Bristol & Cheltenham before prior to securing any debts against your home.
If you are a self employed mortgage applicant, your process will be no different, with the exception of evidencing income. You’ll need to provide the necessary documents to your mortgage advisor in Cheltenham would advise you to provide.
Our Customers Love Us
5.00 Rating5 Reviews
Worth their weight in gold. Helped navigate a complex mortgage enquiry, we would have fallen at the first hurdle if we were applying on our own. Excellent response times and always kept us informed. Was on the fence about going with a broker at all...
2 weeks ago
Malcolm and his team are so helpful, from the first call I had to discuss options all the way to getting my mortgage offer today. Any query I've had they answered immediately and offered to talk through my options, my case worker Lizzi was...
2 months ago
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
1 year ago
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
1 year ago
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
3 years ago
Select your preferred date and time by going along with our online booking process.
Your mortgage advisor will then be able to find you the most suitable mortgage product for your circumstances. When you are happy to proceed, the next step is your mortgage application.
You will receive a dedicated mortgage advisor in Cheltenham who will take some additional information from you and assess your affordability. In addition to this, they will obtain for you an Agreement in Principle which can typically be done within 24 hours of your free mortgage appointment.
If everything is correct on that front, we will then submit your mortgage application to the mortgage lender and offer you any insurance products. It’s as simple as that!
Whether you are enquiring about mortgage advice in Cheltenham, equity release or insurance products, we are more than happy to try and help!
We search 1000’s of deals, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing mortgage advice to customers in a variety of situations.
For any reason if you have been declined by your bank and are in need of help from an expert mortgage broker in Cheltenham, our team may be able to help! We would recommend that you avoid applying with multiple mortgage lenders, especially if you are being declined, as this can have an adverse effect on your credit score.
Our trusted team will do their best to help you find out why the bank may have declined you, though they won’t always inform you of such. Common reasons for being declined usually include having poor credit, a fault being present in your application, affordability issues or something different. It’s best that you look to improve your credit, to avoid any future concerns.
Getting a mortgage is not always right for everyone, but if it is, we will work hard to find you the most practicable deal for your circumstances. As a mortgage broker in Cheltenham, we always provide an open and honest service to each and every customer who gets in touch with us.
This means that if there is not an appropriate deal for you right now or you cannot obtain a mortgage, our mortgage advisors will be transparent and inform you of such. Despite this, we will still give you helpful information on how to improve your application for the future.
You’ll benefit from a free initial mortgage appointment with one of our experts. Out of hours mortgage advice isn’t a problem, we have dedicated mortgage advisors working until late to take your mortgage enquiries. Give us a call, we could help you!
The banks’ mortgage advisors are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available. Worry not, we have a lot of experience and knowledge in providing mortgage advice to customers with a variety of situations.
Quite often, customers that contact us for mortgage advice in Cheltenham have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we have the ability to help with this.
You may find that it is possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. If you are looking to take out a mortgage on a second property, either to use it for yourself, a family member, a holiday home, or a Buy to Let, this may also be possible.
Once you have submitted a minimum one year’s accounts, you can get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas some other lenders are known to go off your net profit.