Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the best rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the best outcome for you.

Our Customers Love Us

5.00 Rating21 Reviews

Kayleigh

Very good, very helpful and always on the ball. Answer calls outside of normal working hours which was helpful, sent lots of prompting emails to guide us.

3 weeks ago

Anonymous

I don't think I've written one of these before so hopefully that will mean some weight gets attached to this. Leo was an outstanding mortgage broker and smoothly secured me an offer of a mortgage, after years of aspiring to buy a house. This was...

4 months ago

Jenni

Malcolm and his team were nothing short if amazing helping guide us through somewhat tricky process of buying our home. They were friendly, patient and efficient and deserve more than a five star rating. Thank you again to Malcolm and his team.

7 months ago

Joanne

Malcom, was professional and helped sercure the best mortagage deal for us. We were apprehensive about using a mortage broker as we had never used this kind of service before, but Malcom and the team made it so easy from start to finish,friendly...

8 months ago

Fiona

Very good service from Dinah. Very helpful and no pressure sales. Felt confident I got the best advice for my circumstances.

11 months ago

Katie

We could not recommend UK money man enough for helping us obtain a mortgage. As first time buyers we went into the process clueless, Malcolm and the team have been absolutely amazing. Their communication and expertise has been second to none. The...

1 year ago

Mr Darren

An amazing service from some amazing people. They where with me from start to finish and the support, guidance and advice they gave me was brilliant. I would happily recomend Durhammoneyman. Thank you to all who where involved in my case.

1 year ago

Anonymous

Great service! Very informative and responsive. Made the process for a first time buyer straight forward and went smoothly

1 year ago

Duncan

Professional all the way. Excellent advice from Wayne followed by excellent administration by Anna to complete the transaction. Would recommend.

2 years ago

Martin

Excellent Staff and Service, I would definitely use them again They were very helpful all through the process of my remortgage providing me with the best deal and assisting with any issues or concerns i had, very prompt on replies to my calls and...

3 years ago

Kayleigh

Joe and Chloe have been so helpful sorting out our remortgage. They did all the hard work. I would highly recommend Durham Money Man to anyone! Fab job guys!

3 years ago

Karen

Was very professional and very helpful.

3 years ago

Anonymous

We are very pleased with the service we received. Everything was very simple and the mortgage brokers done everything for us. The mortgage deal they found was significantly less than any we could find ourselves, so it's worth paying the broker fee...

4 years ago

Niall

Fantastic service! Amazing advice and guidance throughout my mortgage application. Would recommend Durhammoneyman to anyone!

4 years ago

Sarah

Durhammoneyman have been an absolute lifesaver in helping me to get a mortgage. Their support, advice and assistance throughout the process has been above and beyond what I could have expected. Without them I would not have been able to navigate...

4 years ago

Donna

I cannot fault the service I have received from Leo, Wendy and the team. They have made a potentially stressful process very easy, offering support and guidance throughout. I would recommend this team to anyone in need of mortgage advice. Thank...

5 years ago

Sandra

Matt was first of all hugely understanding and quite reassuring in what I knew would prove a difficult task! Under 2 years self employment history, trying to gain a second family home without selling the first and possessing a buy to let which also...

5 years ago

Louis

I had a complex situation and I was nervous about the whole thing. Chris worked his magic and got me a mortgage offer within 2 weeks. I was amazed. Working full time I found the evening appointments terrific.

6 years ago

Michelle

Thank you to Laura and Matt who worked seamlessly to get my remortgage offered. I’m really happy with my new deal, much better rate than what my bank were offering.

6 years ago

Mary

My mortgage broker was easy to get hold of and efficient. Overall my experience was good value for money. As a first time buyer I felt I had support throughout my purchase.

6 years ago