MORTGAGE ADVISERS IN SHEFFIELD

Mortgage Advice You Can Trust

SHEFFIELD MORTGAGE SERVICES

Whatever your mortgage needs, our trusted mortgage advisors in Sheffield are here not just to find you a mortgage but to help you through every step of the home buying journey.

Buying a new home is a big financial decision, but you don’t have to make it alone. Whether you’re a first-time homebuyer in Sheffield or ready to upgrade or downsize to a new home in Sheffield, our mortgage advice team is here to help. Our agents will explain all the options available to you based on your current financial situation, and we’ll devise a mortgage strategy that is custom-tailored to your needs and goals. From pre-qualification to refinancing and every step in between, we help you navigate the process with confidence, making it possible to save thousands over the life of your mortgage in Sheffield.

For a free mortgage consultation in Sheffield please call on 03300552240 or contact us.

Mortgage Advisers in Sheffield

Before we begin searching for the best mortgage deals to suit your circumstances, our experienced Mortgage 1st Sheffield mortgage advice team will ensure you have a full understanding of all products available on the market. Once we have established the best mortgage for your circumstances, whether you’re going for a fixed rate, variable rate or specialist product, we will then start looking at the best rates for you. Mortgage rates generally depend on the size of your deposit and the value of the property – you’ll likely need at least a 10% deposit, as 95% mortgages have been few and far between since the beginning of the pandemic (although they are slowly making a comeback).

Choosing Mortgage 1st as your Mortgage Adviser in Sheffield

All our Mortgage brokers in Sheffield scour the whole market to find you the best mortgage deal. By hiring us, you swiftly cover a huge variety of lenders and get added clout with them to ease your applications as well as an extra layer of protection if there are any complications along the way.

Our Mortgage 1st brokers are also worth their weight in gold because they know key details about lenders’ criteria. So they would know if the lender you’re thinking of doesn’t lend on properties above shops, or in council blocks etc – so they’d be able to recommend a different lender that does.

All our Sheffield mortgage advisors will find the best mortgage for you and apply on your behalf.

Speak to one of our Sheffield mortgage advisors today.

Frequently Asked Questions

Whether it’s worth paying for a mortgage broker in Sheffield depends on your individual circumstances and preferences. Having a mortgage broker can help make sure you find the right mortgage options for your requirements, saving you the hassle and confusion when looking for the right mortgage option for you. Our Sheffield mortgage brokers have a good understanding of the mortgage options available to you that they will combine with the knowledge they gain from speaking to you about your mortgage options.

Our Sheffield mortgage brokers can potentially secure better mortgage rates for our clients due to several reasons:

  • Access to Multiple Lenders: Our mortgage brokers have relationships with multiple leading lenders, including banks, credit unions, and wholesale lenders. This allows us to research and negotiate with different lenders to find the most competitive rates for your mortgage. 

 

  • Negotiation: Our experienced mortgage brokers understand how to negotiate with lenders to secure better terms for you. We leverage our industry knowledge and relationships to advocate for lower interest rates, reduced fees, and other favourable terms wherever possible.

 

  • Market Insights: Our mortgage brokers stay updated on current market trends and conditions for the Sheffield housing and property market. These insights allow us to time your mortgage applications strategically, taking advantage of favourable market conditions to secure better rates for you.

Sheffield offers a diverse range of neighborhoods and areas, each with its own unique character and appeal. Some popular places to live in Sheffield include:

  • Ecclesall: Known for its leafy streets, Victorian houses, and proximity to parks like Endcliffe Park and the Peak District. It’s popular with families and young professionals alike.
  • Broomhill: Situated close to the University of Sheffield and the city center, Broomhill boasts a vibrant atmosphere with independent shops, cafes, and restaurants. It’s a favorite among students and academics.
  • Kelham Island: Formerly an industrial area, Kelham Island has undergone significant regeneration in recent years, transforming into a trendy neighborhood with loft apartments, breweries, and artisanal eateries.
  • Hunters Bar: Another sought-after area, Hunters Bar is known for its trendy bars, eateries, and proximity to Ecclesall Road. It’s a lively spot popular with young professionals and students.
  • Crookes: A diverse neighborhood with a mix of students, families, and professionals, Crookes offers affordable housing options, good local amenities, and easy access to the city center.
  • Ranmoor: A leafy suburb with large Victorian and Edwardian houses, Ranmoor appeals to families looking for a quieter residential area within easy reach of the city center and the Peak District.
  • Nether Edge: Characterised by its tree-lined streets, period properties, and independent shops, Nether Edge has a strong sense of community and is popular with families and professionals.

 

These are just a few examples, and there are many other neighborhoods in Sheffield, each with its own distinct charm and amenities. The choice ultimately depends on individual preferences, such as proximity to work or school, lifestyle, and budget. Our Sheffield mortgage brokers can help you find the right mortgage options for your lifestyle and desired neighbourhood.

There are several ways to get a mortgage quote including visiting your local bank or using an online mortgage calculator. It is important to remember that mortgage quotes are estimates. 

Getting a mortgage quote online can be more convenient for people with busy schedules or work commitments. Our mortgage advisers in Sheffield will provide you with a free mortgage quote within an hour of you submitting your request.

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Remortgage Advice in Sheffield

If your fixed mortgage is coming to the end of its term and you would like to explore options of remortgaging in Sheffield then our experienced team of mortgage advisors are here to help.

There are also many other reasons why you may require advice on remortgaging your property which can include home renovations or debt consolidation, no matter the reason our mortgage advisors in Sheffield will provide you with the best knowledge of all products available on the market to remortgaging your property.

Here at Mortgage 1st, we offer a free remortgage consultation which could lead to a better mortgage rate and in turn save you money in years to come. To book your free remortgage advice consultation please contact the Sheffield mortgage advice team today.

First Time Buyer Mortgage Advice in Sheffield

For a first time buyer, not having the right mortgage advisor in Sheffield can make the house buying process a very daunting task. Luckily our friendly team at Mortgage 1st will guide you through the entire 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.

Your Mortgage Adviser in Sheffield will firstly find the best mortgage deal available to you, then your dedicated Mortgage Processor will liaise with the lender, estate agent and solicitor on your behalf and is available along with your Adviser throughout the application process until the day you get the keys to your first home!

Arrange a free first time buyer mortgage consultation with a Sheffield mortgage advisor by completing this form and we will get straight to you to start your journey.

Moving Home Mortgage Advice in Sheffield

Moving house is probably one of the most stressful things anyone will do in their lifetime but it can also be extremely exciting for all the family. Whether you’re looking for more space, a forever home in Sheffield, to downsize or even to relocate, the first thing you need to do is ensure you can get the mortgage you need – this is where our team of Mortgage Advisors in Sheffield can help.

Our mortgage advisers in Sheffield will assess your circumstances and provide you with an AIP/DIP (Agreement/Decision in Principle) within a matter of minutes. This is what you will need to provide the Estate Agent with before you can put in an offer on a property. It may be years since you bought your first home therefore our knowledgeable and friendly Sheffield mortgage advice team will guide you through the entire process from start to finish, taking care of everything to ensure the journey is as smooth as possible.

We offer a free moving home mortgage consultation, to speak to one of our Sheffield mortgage advisors please call 03300552240 or contact our mortgage brokers today.

Buy To Let Mortgage Advice in Sheffield

The Buy-to-Let market in Sheffield is constantly growing due to the short term gains of an additional source of rental income and the long term benefits of property investment. If you are looking to purchase your first rental property in Sheffield and have no idea where to start, our team of specialist Mortgage Advisers in Sheffield can guide you through the entire process giving you the confidence to become a property landlord for the first time.

Or if you are an existing landlord in Sheffield looking to add to your property portfolio with a new purchase or you need to reassess your financial situation by Remortgaging in Sheffield multiple properties our expert mortgage advisers will work with you to help manage your portfolio and grow your business. Not all Buy-to-Let mortgages in Sheffield are regulated by the Financial Conduct Authority.

Speak to our Sheffield mortgage advisors today to get a free mortgage quote.

Help-to-buy Mortgage Advice in Sheffield

The government’s Help-to-Buy scheme is aimed at increasing the number of homeowners around the country by offering financial assistance with the purchasing of a property through the help to buy scheme in Sheffield. With this scheme, buyers can move into a home with a deposit of just 5%, making houses in Sheffield affordable even to people with a small deposit. The Help-to-Buy scheme is available to both first time and next time buyers and is available on old and new properties alike.

To apply for a help-to-buy mortgage in Sheffield, you need expert advice from fully trained professionals who can support you through the entire process until completion. Our friendly team at Mortgage 1st will be available to answer all your questions to ensure the journey is as smooth and stress-free as possible.

Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage 1st Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority