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Cambridgemoneyman Single M Home Page

Mortgage Broker in Bedford

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01223 653 832Speak to an Advisor - It's Free!

Mortgage Broker in Bedford

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 01223 653 832

Providing expert mortgage advice in Bedford

With extensive experience providing open & honest mortgage advice in Cambridge & Bedford, you know you are in safe hands when it comes to getting you started on the mortgage journey. As a seasoned mortgage broker, we have assisted countless customers with their mortgage journeys, providing personalized help and support. Our expert team saves you time and money by finding the right mortgage product for you.

You may be looking at buying your first property or are looking to move to your dream home in Bedford, or are remortgaging your family home, our team work hard towards mortgage success! As you will see below, this is not all we do here and we have a fantastic reputation of helping many customers with varying mortgage situations.

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Popular Mortgage Scenarios in Bedford

Insurance & Mortgage options for homeowners in Cambridge & Bedford.

You may be interested in just going through the mortgage journey or are looking at getting insurance alone, our expert protection and mortgage broker in Cambridge & Bedford, will sit down with you to run through potential insurance routes for you.

With the majority of insurance options, you are able to decide how your payout is used. We do find many customers choose this payout to be a financial blanket for their mortgage payments. Whatever insurance you are interested in, we do strongly advise that you get in touch with an experienced professional. Below are some of the insurance options that you may have access to.

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Popular Mortgage Scenarios in Bedford

First Time Buyer in Bedford

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As a First time buyer in Cambridge & Bedford, you may feel overwhelmed by the mortgage process. This is understandable and is why we are here to support you throughout the process.

Our team of mortgage advisors in Cambridge & Bedford can provide the boost you need to take that first step onto the property ladder, talking you through the most appropriate route to take, towards achieving your mortgage goals. From your initial call all the way to completion, our team will be there!

Moving Home in Bedford

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If you already live in Bedford and are coming towards the end of your initial fixed-period, you be looking at the option of moving home. There are plenty of reasons why you may look at moving home in Cambridge & Bedford. You may be looking for a larger property (this might be because of you are expecting a child or already have one or need a home office), for better living costs, or even just a change of scenary.

Through providing trusted mortgage advice in Cambridge & Bedford, our team know that the process of moving can be a very stressful experience. The process includes finding a buyer, packing your belongings and organising everything on your new home purchase. We work hard to reduce your stress levels, by taking the weight of the mortgage off your shoulders.

Remortgage in Bedford

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You may be coming to the end of your initial fixed-period and are happy staying in the property you are currently in. If you are in this situation, you may decide to look at getting remortgage advice in Cambridge & Bedford to remortgage your property.

Some of the most common reasons people choose this option is to find a better deal release some equity for home improvements, to raise capital. As mentioned remortgaging can be fitting for homeowners who are content in their home and not looking to move.

Buy to Let in Bedford

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Here at Cambridgemoneyman, we have helped plenty of existing and budding investors in the property purchase a Buy to Let property. As well as this, we have built close relationships with many of these and can be a popular option, as it can be a brilliant reward in the long run.

Utilising our knowledge, we provide buy to let mortgage advice in Cambridge & Bedford to many landlords looking to build their portfolios, whether they are buying in their name or with a SPV (Special Purpose Vehicle), such as their Limited Company.

Self Employed in Bedford

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If you are looking at starting your mortgage journey as a self employed mortgage applicant in Cambridge & Bedford, you may find that evidencing your income can be a little difficult compared to a regular employed applicant. This is because you will be required to provide proof of a consistent and sufficient income. Even though this is the case, there is still a possibility to get a self employed mortgage in Cambridge & Bedford.

Here at Cambridgemoneyman, we have extensive experience in helping self-employed mortgage applicants start their mortgage journey. Your designated advisor will go through your case with you, recommend you with the most appropriate mortgage product as well as direct you down the best route making the process simple and stress-free.

Equity Release in Bedford

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If you are over the age of 55 and match the right criteria, you may be looking at the option for an Equity Release in Cambridge & Bedford. Unlike remortgaging to release equity, this will usually be taken out in the form of a Lifetime Mortgage. Due to this option being a very specialist area, you will need to speak to a qualified expert.

Contact our team today to speak with a later life expert!

Critical Illness Cover in Bedford

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Having critical illness cover can help you financially through a lump sum payout in the event you are unable to work due to a health event like cancer, a heart attack or a stroke. A prominent drawback with this option is that the cover only pays out on certain illnesses meaning not everything is covered.

Regardless of this, it can be a good option to be protected financially, just in case something happens. What you do with your payout is entirely up to you, however, we we normally find that people either use that payout to cover their mortgage costs (especially if they're unable to work for the time being), or to cover medical costs.

Income Protection Insurance in Bedford

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Income Protection Insurance have some similarities to Critical Illness Cover, but there are some significant differences. When it comes to the illness you have, it doesn't matter but it will pay out if you are unable to work. Instead of a lump sum, it will pay out as a monthly sum and is designed to cover income loss.

This type of insurance can be more pricey, however, depending on the pay out you have set. In the case where you set it to pay out after one month being to work, the cost will be a lot more than i would do for someone who sets it to pay out after six months.

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Our Simple 4-Step Process

Take Advantage of our Book Online System

Step 1

You can use our online booking system to schedule a meeting with one of our well-informed advisors at a time and date that works best for you.

Free Mortgage Appointment - Speak to an Expert

Step 2

Upon contacting us, you will be connected with a mortgage advisor in Bedford, who will seek to comprehend your financial standing and evaluate your capacity to repay. Additionally, they will sort out an Agreement in Principle for you.

Finding a Suitable Product

Step 3

After your appointment concludes, your advisor will scour thousands of available options to identify the optimal deal for you. If you approve of the suggested option, we will proceed with your mortgage application.

Let's Submit Your Application!

Step 4

Upon finishing your application, it is necessary to submit it to the lender.

Reasons to choose us

Free Mortgage Appointment in Bedford

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If you are applying for a mortgage as a first time buyer, or looking at moving home, are an existing or budding landlord looking for a buy to let mortgage or are seeking mortgage advice in Bedford, our team are here to help.

Get in touch to book your free mortgage appointment or remortgage review today and our designated mortgage advisor in Cambridge & Bedford will see how we can help you.

Searching 1000s of Products

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As an expert mortgage broker in Cambridge, we can help you compare a variety of deals. We have access to a large panel of lenders meaning we can search through 1000s of mortgage deals including specialist mortgage products. Here at Cambridgemoneyman, we have vast experience and knowledge in providing mortgage to customers in a variety of situations.

If you are looking for any support with a mortgage, then contact an expert mortgage broker in Cambridge & Bedford today. Our team are diligent in achieving your mortgage dreams with open & honest mortgage advice service in Bedford.

Our Service

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Through our 20 plus years in the mortgage world, we have helped a plethora of customers in a variety of situations. With this in mind, if you feel your situation is too specialist, please don't hesitate to get in touch. It's very likely that our mortgage advisors in Cambridge & Bedford have encountered your situation before and know what to do.

Utilising a combination of our experience and knowledge in the industry, our team will work hard to secure you a mortgage deal that is fitting for your situation. Taking into account what your credit file is looking like and carrying out affordability checks, we will strive in hitting your mortgage goals.

7 Days a Week

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Here at Cambridgemoneyman, we have a team of mortgage advisors who strive in providing a simple & stress-free service. We are available 7 days a week, from early until late at night so you can contact us at a time that is best for you to answer any of your mortgage questions.

With our flexible service you can speak to a mortgage advisor at a time that suits you. Our modern online booking system allows you to select a time that is best for you, subject to availability. Customers are at the heart of what we do, whatever your situation is. We love seeing our customers achieve mortgage success through a brilliant service.

Malcolm and Amy Davidson - Mortgage Advice in Cambridge

Common Mortgage Questions in Bedford

How much can you borrow for a mortgage in Bedford?

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Several factors can affect the amount you are eligible to borrow, with the most critical being your credit score. A good credit score typically necessitates a minimum deposit of 5%, while a bad credit score may require a deposit of 10% to 15%.

Of course, the deposit amount will also depend on the property you intend to buy.

What do I do if I am ready to make an offer on a property in Bedford?

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Once you have located your dream property and obtained your Agreement in Principle, the next step is to select the perfect mortgage product for your needs.

Our team of mortgage advisors in Cambridge and Bedford comprehends the intricacies involved in purchasing a home and is available to provide you with a hassle-free, encouraging experience throughout the process.

I have been declined by my bank, can you help?

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If your bank has rejected your mortgage application, and you require assistance from a mortgage broker based in Cambridge and Bedford, our team is available to support you.

We strongly recommend against applying to numerous banks, as this could negatively impact your credit score, particularly if you are repeatedly declined.

Our team can investigate the reasons for your bank's rejection. Common causes may include a low credit score, discrepancies in your application, or an inability to meet affordability criteria. We encourage you to address these issues proactively to avoid any future credit application complications.

We Search 1000s of Mortgages in Bedford

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HSBC
Nationwide
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Pepper Money
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Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Cambridgemoneyman.com & Cambridgemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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