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Fast & Friendly Mortgage Advice in Durham

7 Days a Week 8AM - 10PM

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

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We love helping customers who really need Mortgage Advice in Durham - it's not just about finding a mortgage, we will hold your hand through the full process.

For your FREE mortgage consultation call 0191 303 9786

About Us

For your FREE mortgage consultation call 0191 303 9786

Malcoms Image

We love helping customers who really need Mortgage Advice in Durham - it's not just about finding a mortgage, we will hold your hand through the full process.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in Durham | Mortgage Advice in Durham

Welcome to Durhammoneyman, your expert Mortgage Broker in Durham. Providing you with open & honest Mortgage Advice in Durham from 8am – 10pm, 7 days a week. Get in touch today and receive a free initial mortgage consultation!

 

You might be a First Time Buyer searching for that perfect first home or a current homeowner looking at Moving Home in Durham? Either way, we think that our extremely professional and helpful Mortgage Advice service will benefit you!

 

Even if you are a current or budding landlord wanting Buy-To-Let Mortgage Advice in Durham or looking to Remortgage we can help!

 

Any mortgage-related issue that you have, let us know and our Expert Advisor Team here at your Mortgage Broker in Durham will do their absolute best to help!

 

We are pros after all, so any mortgage problem you have could be solved in one call with an Experienced Advisor in Durham.

Our Service

No matter what mortgage hurdle we are faced with, we will try our hardest to get by it. At Durhammoneyman, a devoted Mortgage Advisor in Durham will take care of you and guide you through the whole process. They will dedicate their time into ensuring that you come out with an amazing deal that is best suited to your individual situation.

 

As an Experienced Mortgage Broker in Durham, we know how to save your time and your money, exactly how you want it. Our Advisors make sure that you know what is going on throughout the whole process. If there is anything you are unsure about, don’t hesitate to question it, they will explain everything to you that is going on. After all, they want you to feel comfortable and secure during the mortgage process.

 

To hear more about our Outstanding Customer Service, check out our online reviews from customers who have loved our friendly service.

Mortgage Advice for New Purchases & Remortgage Advice in Durham

If you are a First-Time Buyer or you haven’t moved home in a while, we think that you would find our Mortgage Advice Service in Durham extremely useful. This is because a Mortage Broker in Durham, like us, will sort out everything for you, making the home-buying process less stressful and much easier for you.

 

For current homeowners looking to Remortgage in Durham, we are able to search through thousands of mortgage deals for you to find the most suitable one for your personal situation. We often find that at Remortgage time, our customers like to discuss capital raising options. Including, raising money for home improvements and paying off credit cards and loans etc.

 

Delivering specialist advice in Durham is what we do best! We’ll always be Open & Honest with you. Get in touch with a Mortgage Advisor in Durham today for a Free Initial Mortgage Consultation.

Why use Durhammoneyman as your Mortgage Broker in Durham?

Here at Durhammoneyman, we are not tied to particular Estate Agents or Mortgage Lenders so we work solely for you! This means that your mortgage experience with us is more tailored to your individual situation and more personal, the best way to go!

Mortgage Advice for Complicated Situations

Having been in the mortgage business for years now, there is rarely a situation we haven’t come across before. So even if you feel like your situation is complicated, don’t hesitate to call your expert Mortgage Advisor in Durham.

 

You might be Self-Employed, a Company Owner, a Partner, a Contractor or on a probation period with a new employer and are finding it hard to get a new mortgage arranged. This is where an expert Mortgage Broker in Coventry, like us, will become incredibly handy. Also, this will apply to you if you have had credit problems in the past. You could’ve been bankrupt, have a CCJ and /or had a poor credit score.

Getting Mortgage Advice From Your Bank

We normally find that our customers have already approached their bank before they come to us for mortgage advice. Also, this will apply to you if you have had credit problems in the past. You could’ve been bankrupt, have a CCJ and /or had a poor credit score.

 

You might be Self-Employed, a Company Owner, a Partner, a Contractor or on a probation period with a new employer and are finding it hard to get a new mortgage arranged. This is where an expert Mortgage Broker in Durham, like us, will become extremely handy. Also, this will apply to you if you have had credit problems in the past. You could’ve been bankrupt, have a CCJ and /or had a poor credit score.

We Will Always Do Our Best To Help

We will search through thousands of both residential and Buy to Let mortgage deals on your behalf.

 

We always recommend having a chat with your Mortgage Advisor, before viewing houses with Estate Agents. This is because an advisor will give you an idea of your budget and get you a Mortgage Agreement in Principle document ready so that you have support for any offers that you make.

 

A smart option with the mortgage process is to always get ahead of the game and get prepared. Speaking to a Mortgage Advisor in Durham will take away all of the stress of last-minute mortgage preparations. You want to be in a great ‘Mortgage Ready’ position to get ahead of potential competitors and home movers, who haven’t been as organised as you.

Mortgage advice in Durham – Options:

First Time Buyer Mortgage Advice Durham

We’re here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Durham

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Durham

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

Mortgage Lenders 007

Common mortgage questions

Your free mortgage consultation in Durham will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your mortgage broker in Durham, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Durham. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let in Durham.

The minimum deposit when purchasing a house in Durham with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

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Durhammoneyman.com & Durhammoneyman 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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