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We love helping all our customers, especially the ones who really need Mortgage Advice in Cambridge - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01223 653832.Enquire Online
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01223 653832.
We love helping all our customers, especially the ones who really need Mortgage Advice in Cambridge - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.Enquire Online
5.00 Rating3 Reviews
Great service, very efficient.
Great service. Would definitely recommend to people struggling to get a mortgage. Cambridgemoneyman, a huge thank you from us
Massive thank you to Malcolm and the team at Cambridgemoneyman. We were very impressed with the level of service we received. As first time buyers, we were thrilled with the mortgage rate that got recommended for our circumstances, and we will...
Welcome to Cambridgemoneyman, the online home of open & honest mortgage advice in Cambridge. We are a trusted mortgage broker in Cambridge, led by industry expert Malcolm Davidson, with over 100 years of combined experience and a strong history of helping people onto the property ladder.
Our team here at Cambridgemoneyman, aim to reduce your stress levels during your process. Your dedicated mortgage advisor will work hard to make it go as smoothly as possible, keeping it free of jargon and finding you the best possible mortgage deal available to you.
We have a large panel of mortgage lenders on hand, each of whom offer our customers unique and favourable deals that couldn’t be obtained by going direct! No matter what your circumstances are, our fast & friendly team of expert mortgage advisors in Cambridge will use their industry knowledge and career experience to help you find the perfect deal for what you’re looking to achieve! We hope in doing so, we are able to save you both time and money.
In order to gain a realistic understanding of the levels of service our customers received, feel free to take a look at our amazing customer reviews. Whether it’s our first discussion, the big steps of the mortgage journey with your dedicated mortgage advisor in Cambridge, or the fine details with one of our mortgage administrators, we will always work hard to keep you up-to-date, informed and most of all, happy during your mortgage process.
As a Mortgage Broker in Cambridge, we offer full support and guidance to you throughout your home buying or remortgage journey. We will work hard to ease any concerns you have throughout our time together and answer all of your questions. It’s our hope that you’ll find us beneficial to your process!
You will have limited options when you choose to go direct and speak with the banks own mortgage advisor in Cambridge. A bank can only offer you their own products. Conversely, an expert mortgage broker in Cambridge like ourselves, has access to thousands of unique deals, many of which cannot be obtained by going direct.
Our trusted and experienced mortgage and protection team in Cambridge have an extensive knowledge of working with various mortgage criteria and products. As a Mortgage Broker in Cambridge, we can look around to find you the best deal, saving your time and hopefully, your money!
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.
Firstly, you need to fill out our Fact Find to get an idea of your current personal and financial situation. Next, our team will pass over this information to your dedicated Mortgage Advisor in Cambridge, and they will keep in touch to schedule your free mortgage consultation. You will get asked a series of questions to help build up a profile; this will help them pick out a mortgage deal tailored to you.
Secondly, once the consultation is over, a credit check will carry out, and this will help you obtain an Agreement in Principle. Granted, if you are okay with everything and happy to proceed, we will then ask for some documentation to help strengthen your application.
Lastly, with your Agreement in Principle, submitted evidential documentation and a comprehensive mortgage offer that you’re happy to continue with, you can move onto the last stage – mortgage application submission!
The time scale can alter depending on the Lender but on average, an Agreement in Principle will likely last around 30-90 days.
If you’re Agreement in Principle expire, worry not. It’s an easy process to renew. Speak to one of our Mortgage Advisors in Cambridge or your current Lender to arrange a renewal of your Agreement in Principle.
You sure can! If you are wondering why someone might want a second mortgage, here are some popular situations:
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If you are looking for a second mortgage, contact our mortgage team in Cambridge today, and see how they can help you.
It may be harder for you to obtain a mortgage with past credit problems, but not impossible depending on circumstances. You may get asked to put down a larger deposit, which will vary depending on your lender.
If you are suffering from bad credit, give us a call, and our advisors will be more than happy to try and help. We have a wide variety of specialist mortgage lenders who may have the perfect mortgage deal for your financial situation.
Yes, the good news is it is possible to obtain a mortgage as a self-employed worker depending on circumstances. First. You need to produce at least one year’s accounts.
To work out the maximum mortgage amount you can borrow, Lenders will use your salary + divided, whereas others might go off your net profit.
Whether you’re applying for a mortgage or looking to remortgage, there are a few documents lenders will always want to see during the process. You will get asked to provide some evidential documents to back up your mortgage application. For example, you’ll need things like ID, bank statements, payslips.
Don’t worry if you forget any of these documents listed; your assigned Mortgage Advisor in Cambridge will run through all of this with you, so nothing gets missed.
Your free mortgage consultation in Cambridge can take approximately an hour; within the hour, we take an in-depth look into your personal and financial situation.
Once your consultation gets concluded, we will try to turn around an Agreement in Principle within 24-hours. An Agreement in Principle is essential when making an offer on a property, as estate agents and sellers often accept those who already have an AIP than those who haven’t.
The final step is to submit your mortgage application and wait for a formal mortgage offer. Usually, this will take about 2 -4 weeks – provided the process goes smoothly, and your application is relatively straightforward.
Our Mortgage Advisors in Cambridge job is to gather personal, financial and financial mortgage situation information from you during your free mortgage consultation because they need to build an in-depth understanding of your mortgage needs to try and find you the most suitable mortgage.
Once your consultation is complete, your Mortgage Advisor in Cambridge will begin searching for mortgage products on your behalf to match your personal and financial situation, saving you time and money.
We recommend you get an Agreement in principle before viewing any houses in Cambridge. Doing so may increase your chance of your offer getting accepted and will put yourself in front of other buyers who don’t have an Agreement in Principle in place.
The deposit all depends on certain factors. For example, depending on your credit history and the lender you are using, they might only require a 5% deposit of the property price.
Other factors come into play, such as if you fall into the lower credit score bracket, you may expect to put down a 10-15% deposit.