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Mortgage Advisor Barnsley.

We offer mortgage advice to help our customers with all their financing needs in Barnsley and the South Yorkshire area.

No Broker Fee

Pay no broker fee when you consult or get started with us.

Minimum Paperwork

Get with the process with very minimal paperwork and get the work done.

Best Market Deal

Getting the best market deal, also find the best deal from your current lender.

Honest Mortgage Advice in Barnsley, Open & Honest

Welcome to Mortgages Remortgages, Barnsley’s one-stop shop from a professional mortgage advisor throughout the house buying process. We take pride in being able to assist you in realising your dream of owning a home thanks to Stephen Kerrigan’s extensive mortgage broker and flexible hours, which are available from 8 am to 10 pm daily. Our friendly team of mortgage advisers will guide you through the whole process, taking care of everything and answering all your questions (we know you will have lots!) to ensure the journey is as smooth and stress-free as possible.

You will receive mortgage advice from Stephen Kerrigan, our local mortgage advisor for the Barnsley region, throughout the application. To locate the best mortgage deal for you, we look through thousands of mortgage offers. Our Barnsley mortgage broker, who has knowledge and experience of Barnsley and its surrounding areas, as a local expert, has been helping clients in finding the best mortgage for more than 20 years.

Finding you the finest mortgage deal possible is our primary goal. We can offer experienced guidance throughout the remortgage process, providing the ultimate mortgage services experience, whether you’re a first time buyer, wanting to switch mortgages, or considering investing in buy-to-let homes. We want to help you through the application process while offering a helpful and quick customer experience.

With countless mortgage lenders in the market, choosing the right one can be a daunting task. It’s important to compare interest rates, terms, and customer service quality before making a decision.

couple buying there first home

Mortgage advice Barnsley Fee-Free

Home buying can be an exhilarating experience, especially for a first time buyers. But let’s face it; it can also be overwhelming. The idea of owning your own property, the investment potential, and the opportunity to establish roots are undeniably appealing.

But where do you start?

Call the Barnsley branch or send an email to speak with Stephen Kerrigan, the fee-free mortgage expert, about your mortgage.

We are open Monday through Friday from 9 am to 5:30 pm and on Saturday from 9 am to 5 pm, however appointments after 6 pm are available upon request.

There are branches of MortgagesRM mortgage brokers in Sheffield, Rotherham, Barnsley, and Doncaster.

self employed mortgages
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What other costs you might no be aware of?

One common mistake in the mortgage process is not thoroughly understanding the terms of the mortgage deals. Always ensure you understand what you’re signing up for as-well-as understanding the ‘financial conduct authority’ to avoid nasty surprises down the line.

When working with a mortgage broker, you should always ensure they are registered with the financial conduct authority, the FCA. This registration not only indicates their legitimacy but also offers a layer of protection to consumers.With the backing of the Financial conduct authority, you can feel confident that the mortgage broker you receive is honest, open and regulated.

A first time buyer should take the time to really understand the regulations and the costs and the legal binding contract of buying a house.

This registration not only indicates their legitimacy but also offers a layer of protection to consumers.

Remember that you will be asked to pay additional expenses on top of your deposit and mortgage.

You will be responsible for the charges of the appraisal, survey, and attorneys.

There will be stamp duty to pay if your new property is more expensive than a particular amount.

If you need to store belongings for a while, the charges of a removal business, and the upkeep of some properties.

Some lenders charge booking fees or arranging fees in connection with your mortgage contract.

To learn how much these costs might be, get in touch with us.

Stepping onto the property ladder as a first-time buyer can be both exciting and daunting. The process can appear complex, but with the right guidance and understanding, it becomes significantly more manageable.

A first-time buyer is often a individual or a couple who have never owned a home and are purchasing a property for the first time. This venture opens a new chapter of financial responsibility and investment that can yield substantial long-term benefits.

Thousands of first-time buyer mortgages, including special MortgagesRM offers, are available to our independent mortgage advisers.

However, buy to let isn’t without its complexities. Understanding the financial implications and responsibilities that come with being a landlord is crucial. For instance, there are additional costs to consider, such as property management fees, maintenance costs, and landlord insurance.

The term “buy to let” refers to the purchase of a property specifically to rent it out to tenants, rather than live in it oneself. It’s a form of investment that can provide regular rental income and potential capital growth if property values increase over time.

That’s where mortgage brokers come into the picture. A mortgage broker is your guide in the world of home buying, making sense of complex financial jargon and steering you through the labyrinth of mortgage deals available in the market.

We’ll discover the greatest bargain that meets your demands and even takes into consideration any future surprises, so you won’t just find a cheap deal with us.

You will find out more about the federal Help to Buy programme during your mortgage consultation with Stephen Kerrigan, your estate agent. This applies to first-time homeowners who are buying brand-new residences. If you employ it, you might be able to buy a home that is much greater than you had anticipated!

You can get house loans from Stephen Kerrigan that need as little as 5% down payment and let homeowners keep 100% of their property.

Obtaining a mortgage is astonishingly simple thanks to MortgagesRM’s knowledgeable consultants and special agreements with hundreds of lenders.

Remortgages in Doncaster

MortgagesRM promises that you won't be charged anything in exchange for the greatest first time buyer service.

Our Services

Barnsley offers Quick & Customised Mortgage Advice.

It’s not just about finding a mortgage; we love helping all of our customers, especially those who genuinely need Barnsley Mortgage brokers. We will walk with you the entire way; it’s about the journey.

First Time Buyer

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.

Remortgages

Looking for a better mortgage deal? The process is often not as easy as it first appears.

Moving Home

Thinking of selling your existing property and moving to a new home? It’s important that you try and budget accurately. 

Buy-to-Let

This can be one of the popular mortgage options available for those wishing to invest in residential & rental property.

Call us today!

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

Remortgaging with financial conduct authority

Moving Home... Don't Let it Be Stressful

One of the most stressful periods in your life may be when you move house.

Your mortgage application will go more smoothly with the help of MortgagesRM’s fee-free mortgage broker.(Estate Agent) We’ll assist and direct you at every step of the way.

father and daughter happy with moving house
skipton 100% mortgage
Natwest
Platform - CO-OP
Halifax
Nationwide
Barclays

Switching your mortgage is simple... WITH US !

Buy-to-let mortgages are provided by the majority of significant banks and a few other organisations. You should speak with your neighbourhood broker regarding a buy-to-let mortgage. Before you apply, they will be able to assess what is the best fit for you.

Get started online now

Book your fee-free consultation today!

Frequently Asked Questions

A minimum deposit is required for purchasing a property in Doncaster. 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 Doncaster 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 Doncaster. 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 Doncaster. 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.

fixed vs variable rates