Mortgage Broker Taunton | Bristolmoneyman

Fast & Friendly Mortgage Advice in Taunton

Appointments Available on Evenings and Weekends

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First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

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We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Taunton - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0117 440 4704.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0117 440 4704.

Malcoms Image

We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Taunton - it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

Reviews Stars5.00 Rating3 Reviews

Open & Honest Mortgage Broker in Taunton

Welcome to our Mortgage Broker in Bristol and Taunton, the perfect place to recieve open and honest Mortgage Advice in Taunton. Having over 20 years expeirence working in the mortgage industry, we provide guidance and endless support to homebuyers and movers to try and help them achive their mortgage goals. We have a good reputation in find you the most suitable mortgage product, saving you time and money, evidence of this is reflected in our genuine customer reviews.

 

Anyone who is experiencing the process for the first time may find the mortgage process a little bit daunting, while at the same time excited with adjusting to taking on a new financial commitment.

We have helped many preveous customers who felt this way. Therefore, we aim to make your mortgage process stress-free and simple and jump through any hurdles that may crop up during your process. Utilising both our experience and industry knowledge, you’ll be in safe hands having one of our trusted Mortgage Advisors in Taunton by your side.

If you have a complex situation, don’t panic, the amount of experience our team has dealing with customers in the past, there’s a high chance that someone else our team once dealt with in the past had a similar complex situation like yours.

Our team is here to offer a helping hand through the entire process, even if any unforeseen hurdles occur when it comes to your mortgage application. Don’t hesitate to book your free mortgage appointment today to speak with one of our Mortgage Advisors in Bristol and Taunton, and lets try and find a solution together.

Your Mortgage Options in Taunton

Below are most popular types of mortgages customers look to obtain:

First Time Buyer Mortgages in Taunton

Any First Time Buyers who are ready to put their foot onto the property ladder, but has no idea where to start. From the first point on contact call all the way through to picking up your keys, our team aim to assist you through the entire process, open 7 days a week to keep you posted on any updates, all while keeping any mortgage jargon to a minimum.

If you are needing the assistance from a Mortgage Broker in Taunton, book your free mortgage appointment by booking online or by telephone to speak with a member of our team to discuss your options.

 

During your free appointment, our team will ask you a series of questions, this will help build up an understanding on what you hope to achive and your financial background. From that, they can begin to see what type of deals may be available to you. At the same time, your Mortgage Advisor in Taunton will search 1000’s of deals to find you the most suitable product. We can also look into obtaining you an Agreement in Principle (AIP), also known as a Decision in Principle (DIP), within 24 hours. Your Mortgage Advisor in Taunton is there to help you 7 days a week, so feel free to ask them any questions mortgage-related.

 

If you are finding it difficult to save enough for a deposit, maybe you are eligible for one of the Help to Buy schemes. Introduced by the government, there is a range of different schemes designed to help First Time Buyers looking to take that first step on the property ladder, some of these include: Help to Buy Equity Loan, Shared Ownership, or Lifetime ISA.

Moving Home Mortgages in Taunton

Moving Home can be one of the most stressful experiences to face, especially if you are looking for a mortgage too. With this in mind, the hurdle is having to buy and sell the property simultaneously. With all this to bear in mind, that is where we come in, we can help you with the mortgage process, and take the weight off your shoulders.

 

There are many reasons why people look at moving, one factor mainly is wanting to live in a much bigger property. If this is your scenario, you should likely check your affordability before taking viewing and putting down any offer offers. If you need any help with the budgetary our team can give you idea of what properties you can afford in Taunton.

Buy to Let Mortgages in Taunton

Here at Bristolmoneyman, we have worked in the mortgage industry for over 20 years, we have strong ties working alongside many Buy to Let landlords, some of these include first time buyer landlords or others with an existing list of portfolios. With the wide range of different Buy to Let mortgage options such as: HMO, Holiday Let, Let to Buy etc. All of this will be futher explianed with one of our Mortgage Advisor in Taunton.

Remortgaging in Taunton

A Remortgage usually happens when you are coming to the end of your fixed mortgage term. The process involves you switching onto another mortgage product to avoid falling onto your lender’s standard variable rate of interest (SVR). Our team can help you search the market for competitive rates and products.

As well as trying to find a suitable remortgage deal, many people remortgage for other reasons like home improvements, to release equity, or to consolidate debt into their mortgage.

 

You should always speak to a expert Mortgage Advisor in Taunton before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

 

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

 

Self Employed Mortgages Taunton

If you are a Self Employed applicant in Taunton, the process will be just like the other scenarios, but the one difference is evidencing your income. This will involve you providing additional documents that your Mortgage Advisor in Taunton would advise you to provide. Like with the other mortgage types, an affordability assessment will be carried out see what deals are on offer to you.

Why Bristolmoneyman? – Your Mortgage Broker in Taunton

What makes a broker different from a bank or building society is that we can access a vast panel of lenders that aren’t just in-house products like what a bank or building society would offer. Another difference between a Mortgage Broker in Taunton and your bank or building society is that we are responsive and will not leave you waiting around for an answer. Our team are avaliable 7 days a week, you simply have to book your free appointment online or give us a call!

 

We are aim to offer all our customers a straightforward and stress-free experience. Additionally, we always go the extra mile for every person that gets in touch with us.

Our Simple 4-Step Process

By following our book online process, you can select the say and time of the appoitment around a time that suits you, subject to avaliability.

 

Our team will assign you to a Mortgage Advisor in Bristol and Taunton who will take additional information off you to evaluate your affordability. As well as this, they will be preparing you an Agreement in Principle which usually can be done within 24 hours of your free mortgage appointment.

 

Your advisor will then be able to find the most suitable mortgage product. When you are happy with our recommendation, we can then proceed with the mortgage application. After that, we will submit your mortgage application to the lender. It is that simple!

Have you been declined by your bank?

In the case where you have been declined by your bank and are looking for the help of a Mortgage Broker in Taunton, our team can help! Our team may find a rationale reason as to why the bank has declined you, but if not they will try their best to put your application in the best position and find the most suitable product that suits your personal and financial situation.

 

As a Mortgage Broker in Taunton, we always provide a fast and friendly service to all our customers. Therefore, we will tell you if we cannot find an appropriate deal for you and you cannot get a mortgage. We will provide you with some helpful information on ways you can improve your application in the future.

About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Taunton on Social Media

We’re are very active across our socials, particularly on Facebook and Twitter. We are always sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Taunton

We are here to take the stress off your back when remortgaging. You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

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

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Common mortgage questions

Typically, our free consultation will last up to an hour or so. Our team can turn around an agreement in principle within 24 hours of speaking to an advisor. A formal mortgage offer can take around three weeks on average.

It’s typically three payslips for an employee to prove their income and the latest 2 years’ accounts for a Self Employed applicant. You will also need to provide the lender with proof of ID, address, and 3 months’ bank statements.

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.

Even if you have had credit problems, you may still be able to get a mortgage, though you may be required to put down a higher deposit than you otherwise would’ve, often 15% of the property purchase price.

The minimum deposit for buying a house in Bristol with High Street Lenders is around 5%. This can be higher if you have had previous credit problems.

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.

An Agreement in Principle will usually last between 30 and 90 days, depending on the lender you go with. If your Agreement in Principle expires, you can always have it refreshed.

To avoid being disappointed if an offer falls through, we recommend that home buyers obtain an Agreement in Principle before you begin viewing properties in Bristol. At the very latest you should obtain an AIP prior to making an offer to assist your bargaining position with a seller.

As a trusted and hard-working mortgage broker in Bristol, we will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your situation. A credit check will be required for an Agreement in Principle. Once you have given the lender all the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be issued.

Your free mortgage consultation with a trusted member of our mortgage advice team in Bristol will last around one hour. From there, your advisor will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether you wish to take it or step back.

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Bristolmoneyman.com & Bristolmoneyman 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 Bristolmoneyman

Bristolmoneyman, St. Brandon's House, 29 Great George St, Bristol, BS1 5QT.

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