Mortgage Broker Northampton | Coventrymoneyman

Fast & Friendly Mortgage Advice in Northampton

Appointments Available on Evenings and Weekends

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Read our 29 Reviews

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First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

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We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Northampton- it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 024 7688 0948.

Book Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 024 7688 0948.

Malcoms Image

We love helping all customers who approach us, especially the ones who really need Mortgage Advice in Northampton- it's not just about finding a mortgage. It's about the journey, we will hold your hand throughout the full process.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Moving Home

Right to Buy

Help to Buy

Self-Employed

Specialist

Reviews Stars5.00 Rating29 Reviews

Open & Honest Mortgage Broker in Northampton

Welcome to our Mortgage Broker in Northampton, your online hub for open and honest Mortgage Advice in Coventry and Northampton. Here at Coventrymoneyman having worked in the mortgage industry for over 20 years, we have helped provide endless support and guidance to homebuyers and movers throughout their mortgage journey. We have a good reputation in find you the most suitable mortgage product, saving you time and money.

 

Those first experiencing the process for the first time can cause a mixture of emotions from being anxious or stressed about the mortgage aspects while at the same time excited with adjusting to taking on a new financial commitment.

 

Our team understands this and has helped many customers who felt this way in the past. Therefore, our team aims in making your mortgage process stress-free and simple and jump through any hurdles that may crop up during your process. Utilising both our experience and industry knowledge, you know you will be in good hands having a trusted Mortgage Broker in Northampton by your side.

 

If you think your situation is too complex, not to worry, the amount of experience our team has dealing with customers day in and day out, there’s a chance that someone else they once dealt with in the past had a similar challenging situation like yours.

 

With that in mind, our team is here to offer a helping hand through the whole process, even if any unforeseen hurdles occur when it comes to your mortgage application. Don’t hesitate to book your free mortgage appointment today to speak with one of our Mortgage Advisors in Coventry and Northampton.

Your Mortgage Options in Northampton

Following are most popular types of mortgages we’re seeing customers go for on regular basis:

First Time Buyer Mortgages in Northampton

If you are a First Time Buyer who is ready to take your first step on the property ladder but has no idea where to start. From the initial call all the way through to picking up your keys, our team can assist you through the whole process keeping you continually updated on what’s going on and at the same time keeping technical jargon to an absolute minimum.

 

If you are looking for assistance in obtaining a mortgage, book your free mortgage appointment by booking online or by telephone to speak with a member of our team to talk with a First Time Buyer Mortgage Advisor in Northampton.

 

During your appointment, our team will ask you a range of questions to get an idea of your financial background. From that, an affordability assessment will begin to see what type of deals may be available to you. At the same time, your Mortgage Advisor in Northampton will search thousands of deals to find you the most suitable product fitting for you, and look to obtain you an Agreement in Principle (AIP), also known as a Decision in Principle (DIP), within 24 hours. Remember, your Mortgage Advisor in Northampton is there to help you 7 days a week, so ask as many questions as you want to.

 

If you are struggling to save enough for a deposit using the Help to Buy scheme might be better suited for you. Introduced by the government, there is a range of different schemes designed to help First Time Buyers looking to take that first step on the property ladder like the Help to Buy Equity Loan, Shared Ownership or Lifetime ISA.

Moving Home Mortgages in Northampton

If you are thinking of Moving Home and looking for a mortgage in Northampton, the process can be more known to you as you have done this before. In spite of this, one aspect that can be a hurdle in the process is that you must buy and sell the property simultaneously. The process of managing two properties can be a balancing act, particularly with the mortgage aspect. That is where we come in, we can assist you with the mortgage process.

 

Numerous reasons people look at move home like looking for a bigger property. If this is your scenario, it’s likely that you should check your affordability before taking viewing and making offers. Our team can help you with budgetary so you have an idea of what properties you can afford in Northampton.

Buy to Let Mortgages in Northampton

Having worked in the mortgage industry for over 20 years, we have strong ties working alongside many Buy to Let landlords. Our team is ready to help you whether you are a First Time Buyer landlord or have an existing portfolio.

 

There are different Buy to Let mortgage options out there like a HMO, Holiday Let, Let to Buy and many more! Your allocated Mortgage Advisor in Northampton can talk through all of your Buy to Let options.

Remortgaging in Northampton

A Remortgage occurs when you are coming to the end of your fixed mortgage term. The process involves you switching onto another mortgage product to avoid falling onto your lender’s standard variable rate of interest. Our team can help you search the market for competitive rates and products. In certain cases, you may have competitive rates available to you if you have kept up with your repayments.

 

As well as finding a better deal, many people remortgage for other reasons like home improvements, to release equity or to consolidate debt into their mortgage.

 

You should think speak to a Mortgage Advisor in Northampton before securing other debts against your home. By adding your unsecured debts to your mortgage, which is secured on your home, you are potentially putting your home at risk if you cannot make the required repayments.

 

Although the total monthly cost of servicing your debt may have reduced, the total cost of repayment may still have risen as the term of your mortgage is longer than it may have taken to repay the debts originally.

Self Employed Mortgages Northampton

If you are Self Employed, the process will be just like the other scenarios, but the one difference is evidencing your income. This will involve you providing additional documents that your Mortgage Advisor in Northampton would advise you to provide. Like with the other mortgage types, they will still carry out an affordability assessment and see what deals are on offer to you.

Why Coventrymoneyman? – Your Mortgage Broker in Northampton

What distinguishes us from a bank or building society is that we can access a vast panel of lenders that aren’t just in-house products like what a bank or building society would offer. A further difference between a Mortgage Broker in Coventry and Northampton and your bank or building society is that we are responsive and will not leave you waiting around for an answer. Our team is here 7 days a week, you simply have to book your free appointment online or give us a call!

 

We are committed to providing a straightforward and stress-free experience to all our customers. Additionally, we always go the extra mile for every person that gets in touch with us. All of this is reflected in our reviews, written by genuine customers in the past.

Our Simple 4-Step Process

By following our book online process, you can select your preferred date and time that suits you.

 

Our team will connect you to an allocated Mortgage Advisor in Northampton who will take additional information off you and evaluate your affordability. As well as this, they will be preparing you an Agreement in Principle which usually can be done within 24 hours of your free mortgage appointment.

 

Your advisor will then be able to find the most suitable mortgage product. When you are happy with our recommendation, we can then proceed with the mortgage application. After that, we will submit your mortgage application to the lender. It is that simple!

Have you been declined by your bank?

In the case where you have been declined by your bank and are looking for the help of a Mortgage Broker in Northampton, our team can help! We recommend that you do not keep applying to loads of different banks, as this can have a negative impact on your credit score especially if you continue to get declined.

 

Our team can help you find out the rationale as to why the bank has declined you. Common causes in poor credit, a fault in your application, affordability or something different. It’s better to try and enhance on these issues to avoid your current and any future credit applications.

 

Obtaining a mortgage is not in the cards for everyone but we do work hard in finding you the most suitable product that suits your personal and financial situation.

 

As a Mortgage Broker in Northampton, we always provide an open and honest service to all our customers. Therefore, we will tell you if we cannot find an appropriate deal for you and you cannot get a mortgage. We will provide you with some helpful information on ways you can improve your application in the future.

About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Northampton on Social Media

We’re are very active across our socials, particularly on Facebook and Twitter. We are always sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Northampton

We are here to take the stress off your back when remortgaging. You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

We search 1000's of mortgage deals across a large number of lenders, including:

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Common mortgage questions

Once your free mortgage consultation is complete, we can arrange an Agreement in Principle for you. We can usually get you one within 24-hours of your application.

We will then try and find you a perfect deal for your individual situation. If you want to proceed, we can get your mortgage application ready for submission. Once submitted, a formal offer usually takes more than three weeks.

To back up your mortgage application, you’ll have to provide some evidential documents. This will include things like ID, bank statements, your latest P60 and payslips.

Your dedicated Mortgage Broker in Coventry will go through every step with you to make sure that you get it right!

Yes, you can get a mortgage as a Self Employed applicant, however, you must be able to submit at least one years’ accounts. Not all, but most lenders will use your salary plus dividend to work out the maximum mortgage amount that you can borrow. Sometimes, lenders will also go off your net profit.

It may require you to try and obtain a specialist product, however, yes, it can be possible to get a mortgage despite having bad credit. As a Mortgage Broker in Coventry, in the past, we’ve seen lenders request 10%-15% deposits.

This all depends on the property price and your credit rating. However, in most cases and if you have good credit, most high street lenders will require a minimum of a 5% deposit.

Yes, you can get a second mortgage in Coventry. Here are the most common reasons why people want a second mortgage:

– Debt consolidation
– Home improvements
– Buy to Let
– For a better deal
– Divorce/Separation

Even if your situation isn’t on this list, still feel free to get in touch and we will if we can help.

Usually, depending on the lender that you’ve used, your Agreement in Principle will last anywhere between 30-90 days. If your Agreement in Principle expires, you can easily renew it. If you get in touch with your Mortgage Broker in Coventry, they can arrange this.

Obtaining an Agreement in Principle (AIP) is a crucial part of the mortgage process. As a Mortgage Broker in Coventry, we advise that you get one prior to viewing properties.

Having an AIP in place nice and early could allow you to negotiate prices when making an offer. Of course, you will need to back up your affordability for a mortgage. You are only agreed in principle of providing evidential documents to support your application. Our team can help you with this.

The mortgage process can be made simple by using a Mortgage Broker in Coventry like us. Our mortgage process includes a simple fact find, a free mortgage consultation, then application submission. We can arrange an Agreement in Principle within 24-hours of all of this. We just need some evidential documents from you then we can get the ball rolling!

Your free initial mortgage consultation in Coventry will last around an hour. Firstly, your Mortgage Advisor in Coventry will get some information from you to find out about your mortgage needs and situation. Once we have some details from you, we can begin looking for mortgage deals.

Your dedicated Mortgage Advisor in Coventry will search through 1000’s mortgage deals, trying to find one that matches your personal and financial mortgage situation. If we find a deal, we’ll recommend you with the product. If you are happy to continue, we can get the ball rolling with your mortgage application.

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Coventrymoneyman.com & Coventrymoneyman 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

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Coventrymoneyman – Sherbourne House, Humber Avenue, Coventry, CV1 2AQ

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