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Looking for an Independent Mortgage Broker in Sheffield?
Whether you’re buying your first home, moving house, remortgaging or investing in buy-to-let property, Mortgage Links provides straightforward, independent mortgage advice to clients across Sheffield and the surrounding areas.
As a whole-of-market mortgage broker, we compare mortgages from a wide range of UK lenders to help you find a mortgage that suits your circumstances. From your initial enquiry through to completion, we’ll guide you every step of the way.
Whether you live in Ecclesall, Fulwood, Hillsborough, Handsworth, Waverley, Dore, Mosborough, Chapeltown, Crookes, Walkley, Stocksbridge, Woodseats, Meadowhead or anywhere across Sheffield, we’re here to help.
Book your free consultation today.
Choosing the right mortgage isn’t just about finding the lowest interest rate.
We’ll help you understand:
As an independent mortgage broker, we compare mortgages from across the market rather than recommending products from a single bank.
2022
We regularly help clients throughout Sheffield with:
Buying your first home can feel overwhelming. We'll explain every stage of the process, arrange your Agreement in Principle and help you secure a suitable mortgage.
If your current mortgage deal is ending, we'll compare options from your existing lender alongside mortgages available across the wider market.
Planning your next move? We'll explain whether porting your mortgage or arranging a new mortgage is likely to offer better value.
Whether you're purchasing your first rental property or growing an existing portfolio, we'll help you compare landlord mortgage options.
If you're self-employed, a contractor or company director, we'll explain which lenders may be suitable based on your income structure.
We'll discuss your income, deposit, credit history and future plans.
We'll tell you how much you may be able to borrow and explain your monthly repayments.
This gives you confidence when viewing properties and making offers.
Once you've found the right property, we'll submit your full mortgage application.
We'll keep you informed throughout the lender's assessment and answer any questions along the way.
Once everything is complete, you'll collect the keys to your new home.
Like all mortgage brokers, we’re paid by lenders when your mortgage completes. The difference between us and other mortgage brokers is that we simply choose not to charge our customers a fee on top of this.
Looking for an experienced mortgage broker in Sheffield?
Whether you’re buying your first home, moving, remortgaging or investing in property, we’d love to help.
Book your free, no-obligation consultation today and let Mortgage Links help you find the right mortgage.
Common Questions From First Time Buyers
You don't have to use a mortgage broker, but many people choose to because a broker can compare lenders, explain different products and manage the application process on your behalf.
Yes.
Many lenders consider self-employed applicants, although their criteria differ.
We'll explain your options based on your accounts and income.
Potentially.
We'll discuss your circumstances and explain which lenders may still be available.
It may also be worthwhile running off a credit report to remove the risk of us missing anything on the application. We usually recommend clients to run off a PDF report from checkmyfile.com they offer a 7-day free trial, then £14.99 a month - you can cancel online at any time. The report allows you to run off a very detailed report from Experian, Equifax and TransUnion.
As a whole-of-market mortgage broker, we compare mortgages from a wide range of lenders, helping us recommend a mortgage that best suits your needs.
Timescales vary depending on the lender and your circumstances, but we'll keep you updated throughout the process and work to keep everything progressing smoothly.
Mortgage Links provides straightforward, personalised and fee-free mortgage advice to clients across Sheffield and the surrounding areas.
Rather than recommending products from a single bank, we compare mortgages from a wide range of lenders and manage the process from your initial enquiry through to completion.
Our aim is to make arranging your mortgage as simple and stress-free as possible, without charging you a broker fee.
The exact documents required will depend on the lender and your circumstances, but you'll usually need:
Proof of identity (such as a passport or driving licence).
Proof of address (such as a utility bill or bank statement).
Your latest payslips if you're employed.
Recent bank statements.
Your latest P60 (if required).
Evidence of your deposit.
Details of any existing loans, credit cards or financial commitments.
If you're self-employed, lenders will usually ask for your latest tax calculations (SA302s), Tax Year Overviews or company accounts, depending on how your business is structured.
We'll let you know exactly what you'll need before your application is submitted.
Many mortgages are portable, meaning you may be able to transfer your existing mortgage to your new property.
However, being able to port your mortgage doesn't always mean it's the best financial option. Depending on current interest rates, early repayment charges and how much additional borrowing you need, arranging a completely new mortgage may work out better.
We'll compare the cost of porting your mortgage with taking a new mortgage, so you can make an informed decision before you move.
Absolutely.
Helping first-time buyers purchase their first home is one of our most popular services.
No. Mortgage Links provides fee-free mortgage advice, so you will not pay us a broker fee for arranging your mortgage.
We are normally paid a commission by the lender when your mortgage completes. This does not affect the mortgage rate available to you or the advice we provide.
Using a fee-free mortgage broker means you can receive professional mortgage advice without paying a separate broker fee.
At Mortgage Links, we compare mortgages from a wide range of lenders, explain the options available and manage your application through to completion—all without charging you for our mortgage advice.
Yes.
In many cases we can arrange this quickly, allowing you to begin viewing properties with confidence.
Yes.
We offer telephone and video appointments as well as face-to-face meetings where appropriate, making it easy to receive mortgage advice wherever you're based.
We proudly help clients throughout Sheffield, including:
Ecclesall,
Fulwood,
Dore,
Totley,
Crosspool,
Crookes,
Walkley,
Hillsborough,
Handsworth,
Woodhouse,
Waverley,
Mosborough,
Beighton,
Chapeltown,
High Green,
Meadowhead,
Norton,
Woodseats,
Intake,
Gleadless,
Stannington and
Stocksbridge
We also regularly help clients across Rotherham, Chesterfield, Barnsley, Doncaster, Worksop and Nationwide
In many cases, an Agreement in Principle (AIP), sometimes called a Decision in Principle (DIP), can be arranged on the same day, often within an hour once we've received the information we need.
Some lenders provide instant decisions, while others may take a little longer depending on your circumstances.
Having an Agreement in Principle before you start viewing properties can strengthen your position when making an offer.
No. Life insurance isn't a legal requirement when taking out a mortgage.
However, many homeowners choose life insurance because it can help repay the mortgage if they were to pass away during the policy term, providing financial security for their family.
Depending on your circumstances, you may also wish to consider critical illness cover or income protection. We'll explain your options and help you decide whether any protection is appropriate for you, without any obligation.
Yes. It's often possible to get a mortgage after a divorce or separation, although your options will depend on your income, financial commitments and any ongoing arrangements such as maintenance payments.
If you're buying a new home, removing an ex-partner from an existing mortgage or refinancing following a separation, we'll explain the options available and recommend lenders whose criteria suit your circumstances.
Yes. Mortgage Links is authorised and regulated by the Financial Conduct Authority (FCA). You can verify our authorisation and view our official registration details on the FCA Register here:
