Mortgage Broker Rotherham | Personalised Mortgage Advice.
Welcome to Mortgages RM, your trusted mortgage broker in Rotherham, we offer expert mortgage advice to support all your financing needs across Rotherham and the South Yorkshire area.
Fast Approvals
Experience fast mortgage approvals with our streamlined process and expert support. Get pre-approved quickly and move one step closer to your new home.
Minimal Paperwork
Our expert mortgage advisor streamlines your application process, reducing paperwork and ensuring a simple, hassle-free experience from start to finish.
Best Mortgage Deals
Get the best deal, from your lender or a new one. Our mortgage brokers compare offers to ensure you’re getting maximum value.
Independent Mortgage Advisers in Rotherham
At Mortgages RM, we’re proud to be your go-to hub for expert mortgage advice in Rotherham. With over 20 years of experience, our qualified mortgage advisor, is available daily from 8am to 10pm to provide guidance that fits around your lifestyle.
We offer a personalised consultation in Rotherham, designed to help you understand your options with no pressure and no upfront commitment. From your very first enquiry, Stephen will walk you through every stage of the journey, offering full application guidance tailored to your needs.
As part of our whole market search, we explore thousands of deals—ensuring you get access to the most competitive products out there. Whether you’re a first-time buyer, planning a move or investing in buy-to-let properties, our goal is to find tailor-made finance solutions that work for your situation now and into the future.
We also support clients with specialist needs, including bad credit mortgages, debt consolidation, shared ownership, and the Right to Buy scheme. Each case is reviewed individually, and we provide personalised plans to suit your income, goals, and property type.
At the heart of our service is a genuine commitment to helping people. Through detailed financial risk assessments, clear, jargon-free advice, and financial security planning, we ensure you feel confident every step of the way.
Our consultation services are built on trust, transparency, and putting you first.
Have Any Questions?
Contact our expert team for mortgage advice in Rotherham
Trusted Financial Adviser Rotherham– Expert Local Support
To talk with Stephen Kerrigan, your local independent broker, about your home finance needs, please call the branch or get in touch online.
We are open from 9 am – 5:30 pm on weekdays and 9 am – 5 pm on Saturdays. Evening appointments (after 6 pm) may be available on request.
If you’re looking for a trusted Financial advisor, our team is here to guide you through every step of the application process.
MortgagesRM branches are located across Sheffield, Rotherham, Barnsley, and Doncaster.
Additional Mortgage Costs You Should Know in Rotherham?
Don’t forget there will be extra 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.
Take a look at the stamp duty costs to see if you will need to pay these on completion.
Other costs could be removal costs, storage, site maintenance costs.
Some lenders have arrangement fees or booking fees associated with your deal.
Contact us to find out how much these fees may be.
Mortgage Advisors Rotherham for Tailored & Personal Advice
Our team of expert advisers have access to thousands of first time buyers deals, exclusive MortgagesRM offers included. We don’t just find you a cheap deal – we will find the right deal that suits your needs and even accounts for any surprises in the future.
During your consultation, you will learn about the national Help to Buy program. This is for first-time homebuyers who are purchasing new homes. If you use it, you may be able to purchase an even better home than you initially thought!
We also help you explore other affordable housing schemes available locally or nationally, depending on your eligibility and goals. 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.
Our expert advisors and exclusive deals with hundreds of lenders make getting a mortgage remarkably easy.
MortgagesRM ensures first-time buyers secure the right deal with confidence
Our Services
Expert Mortgage guidance in Rotherham
We love helping all our customers, especially the ones who really need Mortgage Advice in Rotherham – it’s not just about finding a mortgage. It’s about the journey, we will hold your hand through the full process.
First Time Buyer
Our expert team offers complete homebuyer guidance to make buying your first home less daunting. We’re here to help with all the challenges of finding your perfect place.
Remortgages
Considering remortgaging or switching to a better deal? Our expert advisors simplify the process and guide you every step of the way—stress-free.
Moving Home
Thinking of selling your current home and moving? Our expert advisors provide personalised guidance to help you budget smartly and secure the right deal.
Buy-to-Let
Buy-to-let mortgages are a popular choice for property investors. Our expert brokers help you find competitive deals tailored to rental investment goals.
Call us today!
To speak with an expert advisor, book your appointment online or give us a call.
Expert Mortgage Support for Moving Home!
It is said that moving to a new house is one of the most stressful things you can ever experience.
MortgagesRM’s experienced advisers will take some of the stress out of your application, helping everything run smoothly. We’ll provide expert help and guidance throughout the process.
As your local broker in Rotherham, we’re here to help you find the right deal. Whether you’re a first-time buyer or looking to remortgage, we offer support on all aspects of home buying in Rotherham.
We also provide tailored mortgages for over 50s, whether you’re downsizing, remortgaging, or investing later in life.
It's easy to switch mortgages with us!?
Most big banks and a few other institutions offer comparison deals. Enquire about mortgages with one of our qualified mortgage advisors, who will be able to determine the best fit for you from lenders before applying.
- Personalised Advice from Local Experts
- Minimum Hassle on Paperwork
- Find the Best Deal From Your Current Lender
- Option to Switch to a New Lender
- Access to Exclusive Buy-to-Let Deals
Get started online now
Frequently Asked Questions
How much deposit do I need for a mortgage?
A minimum deposit is required for purchasing a property. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Can I get a mortgage if I am self-employed?
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Rotherham use your salary and dividend, while others may use your net profit. Our brokers can advise you further on this.
Can I get a second mortgage?
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.
How long does the mortgage process take?
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.
What documents do I need to send you?
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.
How long will an agreement in principle be valid for?
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.
I have bad credit, can I still get a mortgage?
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.
