Welcome to Cambridgemoneyman, online home of open & honest Mortgage Advice in Cambridge. Within our Mortgage Broker in Cambridge, we have an expansive, skilled, and knowledgeable team of efficient Mortgage Administrators and Advisors in Cambridge. That is ready and waiting to help you with all your mortgage needs and queries and offer you the most efficient Mortgage Advice in Cambridge.
Customers are the heart of our company, and it is our sole aim as a Mortgage Broker in Cambridge to make the mortgage process as straightforward as possible. It is getting you a deal tailored to your circumstances that allows us to provide the best Mortgage Advice in Cambridge along the way that you deserve.
Our Mortgage Advisors in Cambridge work with a large variety of mortgage lenders who offer many products, so that you can end up with the perfect one for your situation. Once you approach our Mortgage Broker in Cambridge and have a chat with us, we’ll have gotten to know you a little better, and hopefully, you will walk away knowing that you’ve been provided with some expert Mortgage Advice in Cambridge. We will search our system and find the perfect Mortgage for you.
We feel that the advantage of being a smaller and friendly Mortgage Broker in Cambridge, is that we’re able to add the personal touch to all that we do for you. We are here to put your mind at ease and answer any questions you may have.
As your friendly and honest Mortgage Broker in Cambridge, we make sure your Mortgage Advisors in Cambridge will be by your side throughout your home buying or remortgaging process. You will find that our service at our Mortgage Broker in Cambridge is incredibly adaptable and flexible, so we will always work with you to find the best time for our discussions.
Carrying out your mortgage consultation after work is never a problem, and we can be available until 10 pm if necessary. Rest assured when receiving professional open & honest Mortgage Advice in Cambridge when you take part in one of our free mortgage consultations.
The bank can only offer you a product from their lender. In contrast, our team of honest Mortgage Advisors in Cambridge has a wide variety of options for you to choose from making us an excellent choice as a Mortgage Broker in Cambridge!
Some of the lenders we work with offer specialist mortgage products, all with varying criteria. Due to our many years of experience of providing top quality Mortgage Advice in Cambridge, we can tailor our service to a customer’s needs even if you require Specialist Mortgage Advice in Cambridge.
Do not feel that you need to fret if your situation is more complicated than your average day-to-day mortgage problem. Our Mortgage Advisors in Cambridge will do our very best to make it work for you. We may be able to find a specialised product that will suit your circumstances and offer you suitable Specialist Mortgage Advice in Cambridge.
We think it’s a good idea to get ahead of the process by speaking to an expert Mortgage Advisor in Cambridge. Our team can assist you with such things as budget ideas, and arranging your Mortgage Agreement in Principle, of which we can often offer on the day. In any case, this helps you in preparation for any offers you make.
If you are interested in working out what your monthly repayments may be, you may like our Mortgage Calculators Page. Although only an estimation, it is a useful tool for anyone who would like an idea of what they could be paying back for their Mortgage.
Your initial mortgage consultation will usually take around an hour. A Mortgage Advisor in Cambridge will then do some research and recommend a potential mortgage for you, which you can then choose to proceed with or decline – There is not any obligation!
As your dedicated Mortgage Broker in Cambridge, we will gather some information about you and your personal circumstances by carrying out a Fact Find. The next step would be looking to obtain an Agreement in Principle which can be granted after a credit check. Once your Mortgage Advisor in Cambridge has gathered all the appropriate information, and a valuation of the property has been undertaken, a formal mortgage offer can then be issued.
To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Cambridge. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
An Agreement in Principle typically lasts around 30 to 90 days depending on the Lender you have gone with. If your Agreement in Principle expires, you can always get another one.
If you are interested in things such as debt consolidation or home improvements, then you may be eligible for a second mortgage. Second mortgages may also be relevant if you are hoping to use it for yourself, a family member, a holiday home, or a Buy to Let mortgage.
When buying a house in Cambridge, the deposit required with High Street Lenders is typically 5%. Depending on your past credit history, this percentage could be higher.
If you have a poor credit history you may still be able to obtain a mortgage, but this will often require a higher deposit than you would normally need, sometimes around 15% of the property purchase price.
You are able to progress with a possible mortgage whilst Self Employed in Cambridge once you have submitted at least one years’ account. Most lenders use your salary plus dividend to calculate what your maximum mortgage, could be. Other lenders may opt to go off your net profit.
For an employee to prove income you would need the last 3 payslips and if you are Self Employed you will need the last 2 years of accounts. You will also need to provide us with proof of ID, address, and 3 months’ bank statements.
Our free consultations in Cambridge normally take around 1 hour. A Mortgage Agreement in Principle can usually be sorted within 24 hours of the appointment. A formal mortgage offer takes about three weeks on average, depending on the situation.