I offer a highly efficient friendly yet professional mortgage broker service for clients in and around the HD8 area. Clients use me for simple mortgages such as a straight forward purchase or for much more complex cases such as multiple buy to let remortgages and onward purchases. I have helped many clients who have been more than happy with the service I offer.
Over the years I have built up clients from lots of areas within the HD8 area. These Areas include Shelley, Upper Denby, Kirkburton, Emley, Skelmanthorpe and Fenay Bridge.
The first step in the mortgage advice process is for us to have a brief initial chat. You can ring us on free phone 0800 612 3367. We can then have a few minutes of chat to work out whether what you are trying to do is possible. At this stage, only a brief outline of what you are trying to do is covered. If you are at work and cannot make a call you can contact us via email to have a discussion about what you are trying to achieve. At this stage, it may be that what you are trying to do is not possible for example if you have no deposit or not enough income. However, in most cases, we can help and then we will arrange a convenient time to call you to go through things in more detail.
Once we have determined that I can help you then I need to find out hard and soft facts about you so I can begin to formulate solutions. Areas I need will cover basic details like full names and addresses, date of birth, employment status and income. Other areas will include your credit commitmentsAny existing financial commitments, such as credit card or l... and outgoings. Lastly we will talk about the mortgages you want what deposit you have, what your budget is, what type of interest rate you would prefer. We will also look at what protection solutions you have in place and how whether or not these will be suitable for your new mortgage. We will discuss time scales and when you are looking to move with the solution and then agree a time when I will email the figures to you.
The detailed mortgage figures will enable you to know two things. Firstly that what you are looking to achieve is definitely doable. Secondly, you can look at the figures and work out whether the payments are affordable and thus the idea feasible. Included in the top of the email is a summary of what we discussed and a brief overview of the deposit, loan etc. The middle section details the mortgage figures such as the interest rate, term, monthly payment, fees and charges etc. This information is also attached in the form of a key fact illustrationA document that shows the costs and terms of a mortgage, inc.... The bottom of the email lists all the items that would be required in order to proceed with the application such as payslips, passports, and bank statementsA record of a borrower's financial transactions often requir... so you can prepare these for our home visit.
The final step is for me to pop out to see you scan any of the required documents that the lender requires. Typically payslips, bank statements, passports, and address ID will be required. Other information such as the address of the property you are buying, the name of the estate agents you are buying through, the name of a solicitor you want to use etc will need to be gathered. Once this is complete then I will fill in the application form on your behalf and deal with the lender throughout the whole process until the mortgage has been completed.
I offer expert advice and house buying guidance for those first time buyers looking to get on the housing ladder. The mortgage process can seem confusing for first time buyers and having someone to explain the complex jargon in easy to understand language can simplify the process. Many first time buyers only have small deposits and therefore shopping around to get the best deal from the whole mortgage market is important. As well as the mortgage itself helping first time buyers take advantage of the various protection policies that are available and helping them choose the right solution for their own situation is important. Ensuring that the lender offered to the first time buyer is the right one and that the applicant fits all the lenders criteria is taken care of by myself.
EquityThe difference between the value of the property and the amo... Release is a product which allows you to unlock cash from the value of your loan. One of the popular Equity Release Product is a Lifetime Mortgage.
Lifetime mortgages are designed for people who want to release equity in their property and use the money to pay off other debts or simply enjoy life without worrying about repaying the mortgage.
The main benefit of this type of mortgage is that it can be used as an alternative to paying off debt, such as credit cards or personal loans. The interest on these types of products will typically be lower than standard variable rateThe interest rate charged by the lender that can vary over t... mortgages.
We now have a dedicated adviser who specialises in equity-release mortgages. If you are age over 55 and need equity release for home improvements, paying off an interest-only mortgage, a gift to family or another reason for equity release then feel free to contact us.
Many clients that I see these days either already have buy to lets or are quite keen to get their own first time buy to let mortgages. The high street doesn’t really offer much choice when it comes to buy to let mortgages. Many of the high street lenders have their own specialist lender for buy to lets such as The Mortgage Works or Birmingham Midshires. These lenders are often only available through intermediaries such as mortgage brokers. Many of the buy to let lenders have criteria that is hard for clients to match and thus comparing lots of lenders and knowing each lenders criteria is sometimes the only way a client can get a mortgage agreed.
Many clients I see often just want to remortgageRefinancing an existing mortgage with a new mortgage. to get a better interest rate. Others want to move the mortgage from interest onlyA mortgage where the borrower only pays the interest on the ... to a capital and interest repayment mortgage. Others want to release equity from their homes to do home improvements, give family a deposit, raise funds to buy another property, divorce settlements and a host of other reasons. Again comparing the whole mortgage market’s rates and lending criteria helps my clients get the right mortgage for their unique circumstances.
In today’s competitive property markets, one of the increasingly popular forms of financial assistance parents and grandparents are offering to their families, especially first-time buyers, is through Equity [...]
Damian is an experienced mortgage broker, founder of NeedingAdvice.co.uk Ltd and company director. With over a decade working as a mortgage broker he has a strong understanding of hard to place mortgage cases. With hundreds of 5 star client reviews. hundreds of repeat clients his work speaks for himself.
He started NeedingAdvice.co.uk as a one man band with the philosophy of putting clients needs ahead of his own. This ethos of offering excellent customer service has helped the business grow over the years. He gets satisfaction on getting cases pushed through to offer stage where other mortgage broker and companies have failed.
Throughout his time as an adviser he has carved out a niche area of advice helping clients with their business protection requirements too. Having helped hundreds of client with Relevant Life Policies, Shareholder Protection Insurance, Keyperson Policies and other important protection requirements of large to small businesses.
At home he is a family man and likes to spend his time with his four children and wife Lisa. He enjoys going on holidays spending time with friends and going for walks.
Company Director and NeedingAdvice.co.uk Ltd.
Experienced mortgage broker offering advice and help to many hundreds of clients. Takes pride in getting hard to get agreed mortgages agreed for clients and often gets mortgage offers agreed where other brokers have failed.
Also expert in business protection solutions such as relevant life policies, key person insurance and shareholder protection.