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

4.96 Rating206 Reviews

Raphaella

Brilliant service helping me to remortgage.

3 weeks ago

Katy

Matt and the team have been great. Quick turnaround from AIP to formal offer. Good advice and explained well in the initial stages. Overall very easy and simple process.

1 month ago

Nathan

Matt Collinson and his support team are brilliant, second time of using them and both times have been very smooth and simple! They have enabled to to exceed all my expectations the houses I would be able to purchase!

1 month ago

Reece

Very helpful, very efficient. Good service from a good team.

2 months ago

Anonymous

Made the remortgaging process very simple and completely painless! Highly recommend.

2 months ago

Anonymous

My industry generally uses fixed-term contracts and this complicated my situation when looking for my first mortgage. With my broker's help I was able to secure a mortgage and recently completed the purchase of a property. Thanks.

2 months ago

Grayson

smooth process throughtout. great communucation.would highly recommend to anyone looking for a mortgage broker.

2 months ago

Kieran

Helped me through my morgage process with no issues and was always just a phone call away to help me with any questions very great service throughout would highly recommend.

2 months ago

Mr.

Excellent advice given since I first started using their services. Honest and clear.

2 months ago

Chris

Fantastic service, Charlie and the UK Moneyman team went above and beyond to understand our financial situation and help us to get on the property ladder. Everything was patiently and clearly explained to us and we were kept up to date with the...

4 months ago

Anonymous

Excellent and personalised service

4 months ago

Alison

Have been very impressed. Certainly smoothed the whole process. Got a good deal on an atypical mortgage. Got an agreement in principle very quickly.

4 months ago

Simon

Excellent service

5 months ago

Anonymous

Excellent service. Would highly recommend.

5 months ago

Jason

Very good service always there to help you

8 months ago

Jason

Very good service always there to help .

8 months ago

Jeff

Chris and the team have been fantastic throughout our application, very friendly and always available to contact no matter how big or small the issues were and fantastic guidance for us first time buyers! We would highly recommend using their...

8 months ago

Anonymous

Great service, always helpful

10 months ago

Nathan

Friendly and relatable staff. Kept us in the loop and well informed throughout the process and made it all very hassle free for us.

10 months ago

Anonymous

Everything was well explained.

10 months ago