Our team is here to help you get the keys to your first home. We understand that the home buying process can be daunting, but our mortgage broker in Stafford are here to make it easier.
As a mortgage broker in Stafford, we have the expertise to find the best mortgage deals for first time buyers. We don’t just provide you with a mortgage; our mortgage advisors in Stafford are here to talk you through the process and answer any questions you may have.
If you’re ready to take the next step, get a quote now and meet your advisor. Our team will be with you every step of the way.
If you’re looking to purchase your first home, but are unsure of your eligibility for a mortgage, our mortgage advisors in Stafford can help.
When assessing affordability, lenders look at your annual salary, any other income you have, and your outgoings. They’ll also check your credit file to make sure you can manage your finances responsibly. All these factors are taken into consideration to determine how much you can borrow for a mortgage.
The amount you have saved for a deposit also affects the mortgages available to you. As a mortgage broker in Stafford, we have extensive knowledge of lenders’ criteria, enabling us to search through thousands of deals to recommend the most suitable mortgage for your circumstances.
The government has introduced several schemes to help more first time buyers in Stafford onto the property ladder, such as the Lifetime ISA and the Right to Buy Scheme.
Our mortgage advisor in Stafford are familiar with all of the current government schemes and can advise you on the best option for you. Get in touch with an expert mortgage advisor today and receive a free mortgage consultation.
As a reliable and experienced mortgage broker with over two decades of experience in the mortgage industry providing expert mortgage advice in Stafford, we have aided many first time buyers in Stafford onto the property ladder, reducing their worries and striving to locate success with what they desired to obtain with their first home.
Our mortgage advisors in Stafford have extensive knowledge and expertise in this field. There is rarely a situation that we have not encountered.
For many who get in contact, particularly first time buyers, part of the tension and uncertainty can be down to wondering how much they can borrow and what their monthly costs may be going forward.
Your dedicated mortgage advisor in Stafford will be able to provide you with a rough estimate on this, giving you a clearer picture and fewer unanswered questions surrounding your process.
Generally, after finding a property you like, the next step is to obtain an Agreement in Principle, also known as a Decision in Principle, DIP or AIP. No matter the name you hear it called, the purpose is the same.
An AIP means that you have passed the lender’s initial credit check and are agreed in principle for your mortgage.
It shows the seller of the property you’re after that you’re in a position to proceed should they accept your offer, putting you ahead of other potential buyers and allowing for possible negotiation on price.
A member of our mortgage advice team can usually turn these around within 24 hours of your initial appointment.
Fantastic news! Your next step will be to get back in touch with your mortgage broker in Stafford. They will be able to progress your mortgage application and manage all the paperwork on your behalf.
We come across various circumstances and obstacles all the time, so your experienced advisor will likely have come across something similar in the past.
With this knowledge, they’ll work hard to ensure you hopefully end up with a positive outcome.
Whether due to bad credit, no credit or something else, we often hear from first time buyers in Stafford who have been turned away from their bank.
Our team of mortgage and protection specialist advisors in Stafford will work hard, from early until late, to try and find a solution for any hurdles you come across.
Get in touch to book your free initial mortgage consultation.
Our Customers Love Us
4.99 Rating69 Reviews
Jason and his colleagues at UK Moneyman have been amazing from the start. When we began the process of house buying and finding a mortgage we knew very little, but Jason explained much to us in a telephone consultation and outlined all our options....
3 months ago
Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
3 months ago
Leo Shakespeare and Stacey Jopling has work long side each other to made this entire journey extremely smooth and informative as a first time buyer. His service has been phenomenal. I had been rejected from many other brokers and banks and he...
6 months ago
I have been dealing with Wendy and Malcolm in regards to my house purchase and I could not recommend these enough. A true credit to the company. Very efficient with communication and solving any issues that needed to be addressed. Would highly...
8 months ago
Incredibly helpful, supported throughout whole process
8 months ago
Fantastic experience. Charlie helped me race through to secure the best mortgage offer, best plan for life and critical illness insurance. Very approachable and responsive even with any queries I had after everything was completed.
9 months ago
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
1 year ago
Made everything very easy, we are first time buyers and they couldn't have been more helpful or informative. They didn't make us feel like we were stupid for not know anything about buying a house and talked us through the entire process. They even...
1 year ago
Tom and Meghan were brilliant throughout the entire process! Both were friendly and knowledgeable and explained everything to us clearly and answered our countless questions and gave us clarification where we needed it. Both were easy to contact and...
1 year ago
Super helpful, made the whole process really easy and explained everything as we went along. Pretty good at keeping in contact, keeping us up to date and explaining the choices we had and then giving us the time to discuss and make those decisions.
1 year ago
I must say I am very pleased with the service I recieved from Moneyman, they set up regular calls and kept us updated throughout the checking progress. Fairly priced fees and very knowledgeable! I would highly recommend their services
1 year ago
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
1 year ago
We couldn't be happier with the service provided. Matt has been professional, helpful and extremely supportive throughout our process. We will certainly be recommending you to friends. Communication was 5* and Matt was available at any point...
1 year ago
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
1 year ago
To say we have had a nightmare of a process of trying to buy a house would be an understatement, however Wayne and team were the bright light that helped us get through it. Can't thank them enough for their help.
1 year ago
That nice 😊
1 year ago
Brilliant service! Would highly recommend! Tom at the Birmingham branch was amazing. We're first time buyers so we were very unsure of the whole process and had lots of questions. Tom gave us all the support and guidance we needed and was there for...
1 year ago
Moneyman were really supportive during this process. After our first house fell through following downvaluation, they were really helpful in outlining the process moving forward and supporting us through the next house sale. Couldn't be happier with...
1 year ago
Thank you so much for your support Even when I Couldn't get hold of anyone else During the pandemic Your staff were there to encourage me to press on with the mortgage after Thanks for your help and the guidance Thanks for giving me a chance And...
2 years ago
Very good service, unbelievable fast to apply my mortgage. Thank you all of you.
2 years ago
Having a conversation with a professional mortgage advisor in Stafford is essential to discuss your mortgage scenario.
Our dedicated mortgage advisor in Stafford will carefully analyse your income and expenses during a complimentary mortgage appointment. This evaluation will enable us to determine the maximum borrowing capacity available to you as a first-time buyer in Stafford.
Don't hesitate to reach out to us and schedule your consultation. We are eager to assist you in achieving your mortgage objectives.
We have a team of experts who can connect you with a wide selection of lenders offering specialised products designed specifically for first-time buyers in Stafford. This will assist you in embarking on your path to becoming a homeowner.
Following your consultation, we will swiftly obtain your mortgage agreement in principle (AIP), typically within 24 hours. An AIP serves as proof to sellers that you are dedicated to proceeding with the purchase, enhancing your credibility as a buyer.
After your offer on a property is accepted, our committed mortgage advisor in Stafford will handle the submission of your mortgage application and organize any additional documentation required by the lender.
Throughout the mortgage process, your dedicated case manager will provide regular updates, ensuring you are well-informed at every stage. We are here to support you throughout the journey of obtaining the keys to your new home.
Alongside finding the most suitable mortgage deal for first time buyers in Stafford, our team is dedicated to assisting you in acquiring comprehensive insurance coverage to protect you and your loved ones financially.
Obtaining insurance while securing a mortgage offers a vital safety net in case of unexpected events like death, disability, or job loss. Insurance products that cover mortgage payments provide reassurance that in such circumstances, the borrower's family won't be burdened with the responsibility of paying off the mortgage.
Our team of fast, friendly & experienced mortgage advisors in Stafford love providing first time buyers with expert mortgage advice in Stafford and help secure their dream home.
From the first call to getting the keys to your new home, your dedicated mortgage advisor in Stafford will be there to provide support and guidance throughout the process and answer any questions you may have about your mortgage.
Different from high street banks, we are able to search through thousands of mortgage deals to find the one that best suits your individual circumstances, both financially and personally.
We can also help with putting offers forward to estate agents, conveyancing solicitors and deciding on what survey would be best, if that is something you would prefer.
We always strive to make the process as stress-free as possible, managing all the paperwork for you. The exciting part is finding a property that you like, and that part is up to you!
Please read our genuine customer reviews, as they are a true reflection of the level of dedication and support we provide to all customers.
Our mortgage advice team in Stafford are available seven days a week, from 8am to 10pm, so you can find a time that suits you, your family and your work and personal schedule.
We always aim to take the stress away and manage all the paperwork for you. The exciting part is finding a property that you like, and that part is solely up to you!
To obtain a mortgage in Stafford, it’s crucial to keep in mind that the majority of lenders will mandate a minimum deposit of 5% of the property’s value. However, depending on your credit score, you may be required to provide a higher deposit of 10% to 15%+ of the property price.
Our mortgage consultation with you will be scheduled for approximately 30 minutes to an hour. You will have the opportunity to speak with our team of mortgage advisors in Stafford during this time.
During the consultation, our experienced mortgage advisors in Stafford will ask you a series of questions to gain a deeper understanding of your goals. They will also inquire about your personal and financial circumstances to determine the most suitable mortgage products available for you.
After the consultation, our Stafford mortgage advisors will carefully analyse your information and search for the most appropriate mortgage product that matches your unique situation. As a trustworthy and transparent mortgage broker, we pride ourselves on finding personalised mortgage deals tailored to your individual needs.
To obtain a mortgage in Stafford, you may need an agreement in principle (AIP) or decision in principle. This document serves as proof of your income and affordability to the lender.
Obtaining an AIP is a crucial step in the mortgage process. It enables you to make offers on properties and negotiate with sellers. If two buyers approach a seller and one has an AIP while the other does not, the seller is more likely to prefer the buyer with the AIP because they have already been approved in principle and can proceed more quickly through the mortgage application process.
AIPs are typically valid for 30-90 days and can be renewed upon expiry. You can obtain an agreement in principle by consulting with a mortgage advisor in Stafford.
Our role as a mortgage broker in Stafford has involved assisting numerous applicants in securing second or multiple mortgages, for a range of purposes such as buy to let, let to buy, holiday let, and more.
It is important to bear in mind that obtaining an additional mortgage usually necessitates a substantial down payment, a solid credit score, and the ability to manage extra monthly repayments. For those seeking a let to buy or buy to let mortgage in Stafford, having a tenant may aid in covering these expenses.
Prior to embarking on a new mortgage application, we recommend seeking guidance from a mortgage advisor in Stafford to determine your eligibility. Our company boasts over two decades of experience in the mortgage industry and is always eager to provide assistance.
If you have poor credit, you can still obtain a mortgage in Stafford by working with specialized lenders who offer mortgage products tailored to buyers with bad credit. However, you may need to provide a larger deposit, typically between 10%-15%+.
Seeking advice from mortgage experts in Stafford can be beneficial, particularly if you are looking to boost your credit score. Our team of mortgage advisors in Stafford can offer valuable guidance and suggest effective strategies to improve your credit score.