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Specialist Mortgage Advice in Bristol

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0117 440 4704

Declined by the Bank? We Might be Able to Help!

We understand the complexity when getting a mortgage. It doesn’t always go as planned and it can involve a complicated situation which needs expert mortgage advice. This is where we step in.

Don’t be put off by complex criteria

Our team of experienced Mortgage Advisors in Bristol have worked with an extensive array of Lenders that specialise in different sectors. We feel confident that our service will prove highly beneficial for you, and may get you out of that complicated situation.

 

We have in-depth knowledge and experience when it comes to tricky situations and lenders’ criteria. We are aware of all the mortgage schemes and products available and will be happy to discuss your options with you.

 

How does it work?Get a quote nowMeet your advisor

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

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Specialist Mortgage Broker and Advice in Bristol

When a customer is seeking the Specialist Mortgage Advice in Bristol, we often get approached by many who are after our guidance and advice on various topics seeking guidance. Whatever your situation, we’ll try our best to find the most fitting solution for your circumstances, frequent topics our Mortgage Advisors in Bristol came across include:

  • Divorce and Separation Mortgage Advice.
  • Removing an ex-partner from a Mortgage.
  • Single Name Mortgages for Married Applicants.
  • Mortgages past retirement date.

That was just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, please get in touch as we’d still love you help you through the mortgage process. Contact us today to book your free specialist mortgage consultation.

In need of a Specialist Mortgage Advisor in Bristol?

We receive calls daily from customers who have been let down at the last minute by their Bank or other Mortgage Broker in Bristol. We tend to find that customers are usually weeks into the mortgage application process and then get declined for one reason or another late into the process. We typically find that the Mortgage Advisor should have picked up the problem at the outset.

 

You’re in safe hands with us. We’re very experienced in dealing with complex mortgage situations so we’d love to hear from you.  If you are not confident of your lenders’ criteria before you apply, you could be harming your chances of getting a mortgage altogether.

 

What our customers say

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.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in Bristol!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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