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We are an independent, family-run business that searches the whole of the mortgage market to bring you the very best mortgage and insurance products to suit your personal needs. Our experienced advisors are here to help you move into your dream home. Friendly, fast and hassle-free, our service is available to all. We search the “whole of the market”, meaning we won’t stop looking until we find the very best deal to suit your circumstances.
There are so many things to consider when finding the right financial product, which is why we prefer to meet face to face to put you at ease and answer all your questions. That is why you need a local mortgage broker in Oldham. We’re not just ‘whole market providers’ – we’re full-service providers; we will be there for you every step of the way until completion and beyond.
You might be tempted to go to your own bank as the first port of call, but banks have a vested interest in offering only their own products. For the best possible chance of finding a great deal, it’s been shown time and again that independent advice is the way forward. Woodhall Mortgages are always available for a no-obligation, informal chat to get the ball rolling. We will assign you your own dedicated advisor from start to finish, to be ready at all times to take your calls, answer your questions, and guide you on your journey to homeownership. We pride ourselves on making life easier for you and helping you understand how to navigate what can be a complex, jargon-filled industry. This is the advantage of seeing a local mortgage broker Oldham.
Deciding where you want to get your initial residential or commercial property is only the initial action in obtaining the keys to your home. The procedure can appear a little overwhelming if you’re entirely brand-new to the property or business residential or commercial property ladder, but here at Woodhall Mortgages, we can be with you every step of the way. From discovering the best mortgage offers on the marketplace to liaising with estate agents and solicitors in your location, our experts see to it the whole process runs as efficiently as possible.
When you have in fact been through the procedure of purchasing a home before, it’s still worth trying to find expert assistance if you’re moving to a brand-new home. Needing to juggle two residences can be a little facility specifically when you have actually got various other buyers in the mix so it works to have a helping hand along the process.
Whether you’re upgrading your home or downsizing as a result of the reality that the kids have in fact left house or more kids on the way, we can help you find the very best mortgage on the market for you to assure your moving is as stress-free as possible.
If you’re intending to get a buy-to-let residential or commercial property in Oldham, you’ll require a different type of home mortgage than if you were going to make it your home. Our advisors will certainly thoroughly check the whole marketplace for you to ensure you obtain the very best buy-to-let deal for your circumstances.
Regardless of if you’re acquiring your first rental property or you currently have a comprehensive profile, obtaining that added assistance is always useful as it permits you to stress about other points!
Are you considering remortgaging? Are you looking to take advantage of the lowest mortgage rates in years? If you live in the Huddersfield or the surrounding areas and are looking to remortgage then speak to one of our advisors today. Whether you are looking to get a cheaper mortgage deal, add to your investment portfolio or add value to your property, you should know that remortgaging can help you achieve all of these things.
This includes finding out the current worth of your existing house and just how much you can obtain. Your credit history, incomings and also outgoings play an important role in computing cost.
Where do you wish to move to? How many bedrooms would you like? Do you want a yard, a garage, accessibility to a local school? Once you have actually discovered your best house it’s time to make a deal.
Tell us when you have actually made an offer and we’ll find you the most appropriate deal we can. You’ll require to designate a solicitor to look after the sale of your present home in addition to the acquisition of your new one. We will certainly require his or her details to proceed.
A survey is usually carried out by the lender for peace of mind. This is usually paid for up front by the borrower. If the results are satisfactory to all then a Contract for Sale can proceed. It agrees a price and completion date.
Don’t neglect that selling your existing home might take a while. Are you planning to move after you sell? You might need to rent before moving into your new residential or commercial property or take out a Bridging Loan.
Prior to completion, your solicitor must formally request the finance funds from your lender. When this is attained it is just a matter of grabbing your new keys and moving into your new home!
Just before completion, your solicitor needs to formally ask for the funding funds from your lender. Once this is attained it’s a matter of picking up your brand-new secrets and relocating to your new residence!
As your Mortgage Broker Oldham, we carry out a Fact Finder to establish your personal requirements before we suggest the most appropriate mortgage for your needs. A credit check is then needed for an Agreement in Concept. A formal home mortgage offer can be issued as soon as you have provided all the relevant documents and an appraisal of the home has been undertaken. with the mortgage.
To avoid possible frustration, we recommend you acquire an agreement in Principle prior to you start viewing homes in Oldham and the surrounding areas. At the very least you must get one prior to making an offer which can assist your bargaining position when purchasing a home. So if your looking for a mortgage broker Oldham we can help.
Typically, a mortgage in principle is valid for up to 90 days. If it expires before you need it, you can quite easily reapply, but be careful not to request too many mortgages in principle, as too many credit searches could end up damaging your credit profile.
It may be possible to get a second mortgage on your home in Oldham for things like debt consolidation or home improvements/renovations. It may also be possible to take out a mortgage on a 2nd residential or commercial property if you’re wanting to use it for yourself, a relative, a vacation or a Buy to Let.
The minimum deposit when purchasing a house in Oldham with high street lenders is typically 5%. This can be higher if you have had previous credit problems.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.
Daisy Nook Country Park is set within 40 hectares of landscape with a beautiful lake, canal and woodlands. This stunning spot is great for bird watching and a wonderful habitat for wildlife such as woodpeckers, owls, foxes and squirrels. Take your time exploring all that nature has to offer and escape from daily life deep in the sanctuary of the woods.
Alexandra Park is a public park in Oldham, Greater Manchester, England. It was created in response to the Lancashire Cotton Famine of 1861–1865 as an attempt to keep local textile workers employed. The park is located in the Glodwick area of Oldham.
Oldham is a large town in Greater Manchester, England, amid the Pennines and between the rivers Irk and Medlock, 5.3 miles (8.5 km) southeast of Rochdale and 6.9 miles (11.1 km) northeast of Manchester. It is the administrative centre of the Metropolitan Borough of Oldham, which had a population of 237,110 in 2019.
I first used Woodhall mortgages in 2017 when purchasing my house. Naomi, Luke and the team, were fast and efficient and always easy to contact, replying quickly to any information I requested. I have just remortgaged my house 2 years later and Luke and the team remembered me, from 2 years previous. My remortgage was again, carried out very quickly with top class customer service. They even carried on working on my behalf, after completion because they didn’t feel my mortgage lender had provided me with the best possible experience. They really do look after their clients. I will always use Woodhall Mortgages in the future and will not hesitate to recommend them to others!