5 Star Rated Mortgage Broker in Sheffield

Independent mortgage advice that saves you time, money and stress!

Save Time

We manage the entire mortgage loan process for you, including all paperwork and admin.

Save Money

We search the whole market, including exclusive products, to find the best mortgage deal for you.

Save Stress

We liaise with all parties in your application to keep you updated and prevent delays.

Esther Barnes (CEMAP)

Independent Mortgage Adviser

Feeling Confused by the Mortgage Process or Worried About Making the Wrong Decision?

It’s common to feel daunted when so much depends on the success of one mortgage application.

Which is why it’s important to get it right first time. Not just for today, but for the years of monthly repayments ahead.

The key to getting the right mortgage deal is to maximise your choice while understanding what criteria you need to meet to be accepted. As an independent mortgage broker, I can help you with both.

Here’s how…

So, if you’d prefer a less confusing, less stressful mortgage experience which maximises your chances of getting a great deal that’s accepted first time, click the button below to check if you’re mortgage ready.

How Our Mortgage Broker Advice Process Works

Our four-step advice process is designed to be simple, to find the best deal possible, and to maximise the chances of your application being approved first time.

Mortgage Ready

Step 1: Mortgage Ready Check

Take our 30-second mortgage ready quiz to check if you're fully prepared to start the application process with the best chance of success. Click here to open the quiz.

Free Consultation

Step 2: Free Consultation

You can choose a face to face, phone or virtual meeting via Zoom. The purpose is to build a picture about you and what your priorities are so that we can provide you with a tailored borrowing solution.
Mortgage In Principle

Step 3: Mortgage In Principle

This will be issued by the recommended lender, so that you are prepared and ready to make an offer on a property.
Application

Step 4: Mortgage Application

When you have your offer accepted on a property, or you are remortgaging, an additional appointment may be required in person or via telephone.

A less confusing, less stressful mortgage experience which maximises your chances of getting a great deal that's accepted first time.

Imagine a Mortgage Process Which Allows You to Relax, Knowing it’s all Under Control

Everything we do is designed to take the pressure off you, so you can make better decisions.

What clients say...

Step 1: Check if You're Mortgage Ready

Take the 30 second ‘Mortgage Ready Quiz‘ below and in eight clicks or less, discover if you’re ready to start the mortgage process.

Common Mortgage Questions

If you’ve got a question that’s not answered here, please contact us for a quick response from an expert mortgage adviser.

So that I can determine your budget and affordability, I will need to see your latest 3 months payslips plus your latest P60. You should also provide details of any debt you have which may or may not include credit cards, loans, hire-purchase agreements and existing mortgages including buy to lets. It’s useful to bring along your latest 3 months bank statements so that we can accurately determine your maximum monthly budget. Proof of your name and current address will also be required, such as the latest council tax bill or utility bill. This is just the basic information, and the lender may require additional information later down the line.

This depends on the complexity of your situation and if you’re looking for a new mortgage loan or remortgage, for example, someone with impaired credit may take longer to obtain a mortgage agreement. It also depends on the lenders service standards and turnaround times. On average, it can take around 2 weeks from application submission to receiving an offer.

The amount you can borrow is dependent on a few factors, but the main one is affordability, which can vary between lenders. The mortgage lender will need to know your income, which you can prove in the form of payslips or self-employed accounts. Most lenders will also include state benefits as income such as child benefit, working tax credits and child tax credits which can help with affordability. If you have any existing commitments such as debts like credit cards or loans for example, these will have to be taken into account along with how many dependents you have.

Just because you have an impaired credit history doesn’t mean you can’t get a mortgage. Ultimately it depends on what type of impaired credit you have, how long ago it was registered and whether it’s still outstanding. Some lenders are more lenient than others and will be more relaxed, but generally you may only be able to approach specialist lenders rather than the high street ones.  That could mean that the interest rate may be slightly higher, or they may reduce the level of borrowing. An adviser will want to see a copy of your most up-to-date credit score report, such as Experian, in order to provide you with the most accurate advice.

Firstly, you will have an initial chat with your broker to see if they can help. If they can, you’ll have a face to face appointment at a convenient time, which will enable the adviser to provide you with tailored expert advice to suit your circumstances. Once you provide all the necessary documents and the adviser has identified a mortgage product for you, the adviser will then be able to provide you with your Agreement in principle certificate. This is usually valid for 3 months with most lenders and is a tool to help provide evidence that you can proceed when offering against properties on the market.

  • Simplified process where we take care of everything
  • Access to the best rates and deals from across the market
  • Unbiased independent mortgage advice
  • Top rated in client reviews
  • Convenient mortgage advice in Sheffield at our Woodseats office or remotely by phone or Zoom

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