Welcome to Coventrymoneyman, your expert Mortgage Broker in Coventry providing you with open and honest Mortgage Advice. We are here to give you our full support and guidance throughout the whole of the mortgage process. Regardless of the complexity of your situation, a Mortgage Advisor in Coventry will always be on hand to answer any questions you have and help you determine what your next course of action should be.
Whether you’re a first time buyer looking for that perfect starting home, a current homeowner looking at moving house, looking for a simple remortgage or interested in a buy to let mortgage, we think our excellent Mortgage Advice service will benefit you.
Being prepared and getting ahead of the game is always the smartest and safest option when it comes to mortgages as they are often quite stressful and can be complicated. Therefore, speaking to an Expert Mortgage Broker in Coventry is the best solution. You want to be in a great ‘Mortgage Ready’ position to be ahead of potential competitors and home movers, who haven’t been as organised as you.
Feel free to check out some of our brilliant online reviews from customers who have experienced a top level of customer service from us.
Coventrymoneyman has had over 20 years of experience within the mortgage industry and helped thousands of happy customers get through the mortgage process. A devoted Mortgage Advisor in Coventry will take care of you from start to finish. They will search through thousands of mortgage deals and solutions to ensure that you come out with an amazing deal that is best suited to your personal and financial situation.
We offer a Free Mortgage Consultation to every customer that reaches out to us for help. As a trusted Mortgage Broker in Coventry, we can ensure that as soon as we evaluate your individual situation, we will give you the most professional and up to date Mortgage Advice service. A Mortgage Advisor in Coventry at Coventrymoneyman will always have your best interests at heart.
From your first enquiry to getting your keys, a Mortgage Advisor in Coventry will be by your side throughout every step of the way. Being open and honest with you is part of our excellent service, we want to ensure that you feel secure and comfortable during every stage of the process. As an experienced Mortgage Broker in Coventry, we will use our knowledge to hopefully save both your time and your money!
There is rarely a situation we haven’t crossed paths with. We also love a good challenge, so don’t hesitate to contact your Mortgage Advisor in Coventry even if you think your situation is complex. You might be Self Employed, a Company Owner, a Partner, a Contractor or on a probation period with a new employer and are finding it hard to get a new mortgage arranged. This is where an expert Mortgage Broker in Coventry, like us, will become incredibly handy. Also, this will apply to you if you have had credit problems in the past. You could’ve been bankrupt, have a CCJ and /or had a poor credit score.
Here at Coventrymoneyman, we are not tied to a particular estate agent or mortgage lender, we work solely for you. This makes your mortgage experience with us tailored to your individual situation and more personal. If you are looking for specialist help and guidance, then please contact us as our team would love to try and help you.
Your free mortgage consultation with a Mortgage Advisor in Coventry will last approximately an hour. Once they have evaluated your situation, they will recommend a mortgage for you with no obligation for you to proceed. Based on the deal, you can decide whether or not you want to continue the process with us or not.
As a trusted Mortgage Broker in Coventry, we carry out a fact find to verify your needs before recommending you with a mortgage deal. After a Mortgage Advisor in Coventry has evaluated your situation, they will perform a credit check on you, this is required for an agreement in principle. Then after you have provided all of the relevant documentation and a valuation of the property has been carried out, a formal mortgage offer can be issued.
We always advise that you obtain an Agreement in Principle before you start viewing properties in Coventry, to avoid disappointment. If you want to get yourselves a head start, you should get one prior to making an offer.
Typically, an agreement in principle lasts for between 30 and 90 days, however, this can change depending on your lender. If your agreement in principle expires, you can renew it quite easily.
Yes, you can get a second mortgage. Whether this is for debt consolidation or home improvements, this is possible. It is also possible to take out a second mortgage on a second property but only if it is own use, the use of a family member, a holiday home or a Buy to Let.
To buy a property, the minimum deposit that you will need with high street lenders is usually 5%. This percentage can be higher if you have previous credit problems.
It will be harder but yes you can. You will have to show that you can afford a mortgage by putting down a higher deposit, perhaps 10% or 15% of the purchase price.
Yes, however, you must submit at least one years’ accounts. Most lenders use your salary + dividend to calculate the maximum mortgage, whereas other lenders could base it of your net profit.
If you are an employee, you will need to provide three payslips to prove your income. If you are self employed, you will have to prove for the latest 2 years’ accounts. Along with this, you must produce proof of ID, address and 3 months’ bank statements.
Our free mortgage consultation will take about an hour. Once this is one, we can arrange an Agreement in Principle for you within 24 hours. A formal offer takes up to three weeks on average.