We offer mortgage advice to help our customers with all their financing needs in Sheffield and the South Yorkshire area.
Buying your first home can be a little bit daunting, but we’re here to help with all the challenges of finding your perfect place.
Looking for a better mortgage deal? Or to release some of the equity in your home? The process is often not as easy as it first appears.
Thinking of selling your existing property and moving to a new home? It’s important that you try and budget accurately. Find out why.
This can be one of the popular mortgage options available for those wishing to invest in the residential & rental property.
Welcome to MortgagesRM mortgage brokers, your online hub for expert mortgage advice in Sheffield. With experienced Mortgage Advice from Stephen Kerrigan on hand and flexible hours from 8am until 10pm every day, we take pride in helping you achieve your home owning dreams.
Stephen Kerrigan, our mortgage broker for the Sheffield area will work with you throughout your process. We search thousands of mortgage deals to find the best loan option for you. For over 20 years, our mortgage broker in Sheffield has worked to help people secure the right home loan.
Helping homeowners to find the best mortgage for their needs is our top priority. Whether you’re a first time buyer, looking to switch mortgages, or thinking about investing in buy-to-let properties, we can provide expert advice throughout the mortgage process, and get you to where you want to be quickly. We aim to provide guidance through your situation, providing a friendly and efficient customer experience.
To talk with Stephen Kerrigan, the fee free mortgage advisor about your mortgage, please call the Sheffield branch or get in touch online.
We are open from 9 am – 5:30pm on weekdays and 9am-5pm on Saturdays, but evening appointments (after 6 pm) may be available upon request.
MortgagesRM mortgage brokers branches are found in the areas of Sheffield, Rotherham, Barnsley and Doncaster.
It is worth remembering the additional costs, on top of your deposit and mortgage that you will be expected to pay.
For example, you will have to pay for surveys and the valuation of the property, as well as solicitor’s fees.
If your new property is over a certain value there will be stamp duty to pay.
Other costs could be removal costs, storage, site maintenance costs.
You may also have fees to pay to the lender for your mortgage. These could be an arrangement fee and/or a booking fee.
Contact us to find out how much these fees may be.
Our mortgage advisors have access to thousands of first time buyers deals, exclusive MortgagesRM offers included. We don’t just find you a cheap deal – we’ll find the right deal that suits your needs and even accounts for any surprises in the future.
Stephen Kerrigan, your mortgage advisor will discuss the national Help to Buy scheme. This is for first-time homebuyers that are purchasing a new build property. It can help you buy an even better home than you initially thought possible!
Stephen Kerrigan will help you find housing loans financed by the UK government for as low as 5% down and allow homeowners to retain 100% ownership of a property.
MortgagesRM’s expert advisors and exclusive deals with hundreds of lenders make getting a mortgage remarkably easy.
MortgagesRM guarantees that you'll have the best first-time buyers service without needing to pay a fee.
It is said that moving to a new house is one of the most stressful things that you can ever experience. MortgagesRM Fee Free Mortgage Advisor will take some of the stress out of your mortgage application so that it runs smoothly. We’ll provide help and guidance throughout the whole process.
Weekdays: 9 am – 5:30pm on weekdays
Evenings: After 6pm on request
Mortgage Broker in Sheffield
A minimum deposit is required for purchasing a property in Sheffield. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Sheffield use your salary and dividend, while others may use your net profit.
Second mortgages are possible. This includes debt consolidation and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.
It will take about an hour for our free mortgage consultation in Sheffield. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.
You must provide three payslips to prove your income if you are an employee. You will need to supply the latest 2 years’ accounts if you are self-employed in Sheffield. Additionally, you must provide proof of identity, address, and three months of bank statements.
An agreement in principle typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.
You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.
Sheffield is a city in South Yorkshire, England. The Millennium Gallery in Sheffield’s city center displays metalwork and art from all over the world. In the winter, the Winter Garden is filled with plants in a temperate glasshouse. The Kelham Island Museum highlights the city’s industrial history. In the surrounding countryside, there are moorland and rocky ridges typical of the Peak District National Park.
We noticed you’ve been here for some time now
Can we help you with your mortgage?