Mortgage Broker In Sheffield

GHL Direct is a leading mortgage broker in Sheffield, offering professional advice and competitive interest rates on a wide range of mortgages. With access to over 50 UK mortgage lenders, GHL Direct can help you find the best mortgage for your needs, whether you are a first-time buyer, looking to buy to let, or remortgaging.

Get a Mortgage in Sheffield

Book a fee free call

We make getting a mortgage in Sheffield easy and It takes just 30 seconds to book your fee free consultation.

Chat to a mortgage broker

We’ll discuss your needs and requirements, and then we’ll search the market for the best mortgage deal for you.

Apply for a mortgage

Once we’ve found the right mortgage for you, we’ll help you with the application process and make sure that everything goes smoothly.

Our Mortgage Services

We have a variety of mortgages to choose from in Sheffield, for first-time buyers, landlords, people remortgaging, self-employed people, people with bad credit, and commercial. mortgages.

Mortgage Questions

Getting a mortgage in Sheffield can be challenging, but it's definitely possible with the right help. Here are a few tips:

Save a deposit. The larger your deposit, the better your chances of being approved for a mortgage and getting a lower interest rate. In Sheffield, you’ll typically need a deposit of at least 5% for a first-time buyer mortgage, but some lenders may require a larger deposit.

Improve your credit rating. Your credit rating is one of the most important factors that lenders will consider when assessing your mortgage application. A good credit rating shows lenders that you’re a responsible borrower and that you’re likely to repay your mortgage on time.

Get mortgage advice from a qualified broker. A mortgage broker can help you find the right mortgage for your needs and circumstances, and they can also help you with the application process.

With GHL Direct, you can increase your chances of being approved for a mortgage and getting the best possible deal.

Consider a Help to Buy mortgage. The Help to Buy scheme is a government scheme that can help first-time buyers and home movers to buy a property in Sheffield. Under the scheme, the government can lend you up to 20% of the purchase price of a new-build property, or 40% of the purchase price of a resale property. You’ll need to save a deposit of at least 5% yourself.

Be prepared to move quickly. The Sheffield property market is competitive, so you need to be prepared to move quickly if you find a property that you want.

Do your research. Before you start looking at homes, it’s important to understand the Sheffield property market. This includes knowing the average prices in different areas, as well as the different types of properties available.

  • What does a mortgage broker in Sheffield do?

    It is not necessary to use a mortgage adviser, but it can be helpful, especially if you are a first-time buyer or have complex financial circumstances. A mortgage adviser can help you find the best mortgage deal for your needs and guide you through the application process.

  • Why should I use a mortgage broker in Sheffield?

    There are many benefits to using a mortgage broker in Sheffield. Mortgage brokers have access to a wide range of lenders and mortgage products, which means they can find the best deal for your individual needs. They can also help you with the mortgage application process and provide guidance on how to improve your chances of getting approved.

  • Are there costs to use a mortgage broker in Sheffield?

    Your first meeting with a GHL Direct financial advisor is always free and without obligation. Our mortgage advisors may charge a fee, depending on the complexity of your case.

    Some mortgage brokers charge a fixed fee upfront, ranging from £195 to £499. Others charge a commission from the lender or bank providing the loan. Your mortgage advisor will explain their fee structure to you at the start of your meeting.

    NHS staff and teachers can get free mortgage advice from us, meaning you won’t pay a penny in broker fees.

  • What questions should I ask a mortgage broker in Sheffield?

    Here are some questions you can ask your mortgage adviser:

    – How much can I borrow?
    – What type of mortgage is best for me?
    – What are the interest rates and fees?
    – What are the monthly repayments?
    – What happens if I can’t afford to make my repayments?
    – What are your qualifications and experience?Wha
    – What is your fee structure?
    – How many lenders do you work with?
    – What types of mortgage products do you offer?
    – What is the mortgage application process like?
    – What can I do to improve my chances of getting approved for a mortgage?

  • How much deposit do I need for a mortgage in Sheffield?

    The amount of deposit you need for a mortgage in Sheffield will vary depending on the lender and the type of mortgage you are applying for. However, most lenders require a deposit of at least 5% or 10% of the purchase price of the property.

  • Can I get a mortgage in Sheffield with previous credit problems?

    Yes, you may be able to get a mortgage in Sheffield with previous credit problems. However, you may need to pay a higher interest rate or put down a larger deposit.

  • I'm self-employed in Sheffield, can I get a mortgage?

    Yes, we can help you find the right self employed mortgage in Sheffield However, you would need to provide additional documentation to verify your income which our adviser can explain to you on your call.

Your home or property may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the Financial Conduct Authority.