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MoneymanTV
United Kingdom
Registrace 28. 08. 2019
Mortgage Advisor - CZcamsr - Family Man.
Hi, I'm Malcolm Davidson a Director & Mortgage Advisor of UK Moneyman, looking to utilise my 20+ years of experience to provide consumers with clear and simple information regarding popular mortgage scenarios.
Subscribe and turn on notifications to make sure you don’t miss an upload!
We rely on user-generated content for our videos, so if you have a question please feel free to send a message using the email address below. For mortgage enquiries, please call 0800 029 3757.
Moneyman TV is operated by UK Moneyman Ltd.
#MoneymanTV #UKMoneyman
Hi, I'm Malcolm Davidson a Director & Mortgage Advisor of UK Moneyman, looking to utilise my 20+ years of experience to provide consumers with clear and simple information regarding popular mortgage scenarios.
Subscribe and turn on notifications to make sure you don’t miss an upload!
We rely on user-generated content for our videos, so if you have a question please feel free to send a message using the email address below. For mortgage enquiries, please call 0800 029 3757.
Moneyman TV is operated by UK Moneyman Ltd.
#MoneymanTV #UKMoneyman
How To Get A Contractor Mortgage (2024)
Contractor Mortgages
#contractor #mortgages #moneymantv
In this video, Malcom looks into contractor mortgages and whether you can get one. If you are still struggling to wrap your head around contractor mortgages.
For more information, book your free mortgage appointment today to get in touch with our mortgage advisors:
ukmoneyman.com/get-started/?referral=UKMoneyman&id=YT
Follow us Online for News and Updates:
md_moneyman
ukmoneyman
ukmoneyman_ltd
ukmoneyman.com/?id=YT
Check out our Mortgage Guides:
ukmoneyman.com/first-time-buyer-guides/?id=YT
ukmoneyman.com/moving-home-guides/?id=YT
ukmoneyman.com/remortgage-guides/?id=YT
ukmoneyman.com/buy-to-let-guides/?id=YT
All views are purely that of Malcolm Davidson & do not constitute professional mortgage advice. Moneyman TV provides video coverage of the Mortgage Industry with the purpose of informing the consumer. Topics covered refer to popular mortgage situations presented by real customers on a regular basis, including First-Time Buyers, Remortgages, Home Movers and more.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
#contractor #mortgages #moneymantv
In this video, Malcom looks into contractor mortgages and whether you can get one. If you are still struggling to wrap your head around contractor mortgages.
For more information, book your free mortgage appointment today to get in touch with our mortgage advisors:
ukmoneyman.com/get-started/?referral=UKMoneyman&id=YT
Follow us Online for News and Updates:
md_moneyman
ukmoneyman
ukmoneyman_ltd
ukmoneyman.com/?id=YT
Check out our Mortgage Guides:
ukmoneyman.com/first-time-buyer-guides/?id=YT
ukmoneyman.com/moving-home-guides/?id=YT
ukmoneyman.com/remortgage-guides/?id=YT
ukmoneyman.com/buy-to-let-guides/?id=YT
All views are purely that of Malcolm Davidson & do not constitute professional mortgage advice. Moneyman TV provides video coverage of the Mortgage Industry with the purpose of informing the consumer. Topics covered refer to popular mortgage situations presented by real customers on a regular basis, including First-Time Buyers, Remortgages, Home Movers and more.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.
zhlédnutí: 7
Video
How Are Mortgage Repayments Calculated?
zhlédnutí 10Před 2 hodinami
How to Calculate Your Mortgage Payments #rates #calculator #payments #2024 #moneymantv In this video Malcolm explains, how your mortgage repayments are calculated. All you need is the principal loan balance, the loan term, and the fixed annual interest rate. *Repayment Calculator* If you want a quick figure to see what your repayments will be, feel free to use our mortgage calculator here: ukmo...
How Long Do Mortgage Applications Take?
zhlédnutí 4Před 2 hodinami
How long does a mortgage application take? #mortgageprocess #application #moneymantv *Breakdown* Mortgage Agreement in Principle - within 24 hours. Full Mortgage Application Approval - 3-6 weeks. Mortgage Offer will be valid for 3 to 6 months. In this video, Malcolm Davidson director and mortgage advisor, provides the mortgage application process from start to finish. Here is a full explanation...
How to Get a Mortgage? 2024
zhlédnutí 24Před 4 hodinami
First Time Buyer Mortgage UK // What You Need to Know #howto #mortgage #firsttimebuyer #2024 #moneymantv In this video, Malcolm Davidson, Director and Mortgage Advisor, walks you through the steps to obtain a mortgage. If you're a first time buyer, there's three ways you can go about to obtain a mortgage, where I'll break down the pros and cons to each. Don't miss out on these valuable insights...
Do you Need Life Insurance for a Mortgage?
zhlédnutí 8Před 4 hodinami
As a first time buyer - how does life insurance benefit me? #life #insurance #moneymantv As Malcolm will explain, life insurance is optional and no longer mandatory. However, when you purchase your first home, it is vital that your new and most valuable asset is fully protected in case of an unwanted event that could threaten to take everything away, that you are working so hard for. For more i...
How Big Of a Mortgage Can I Afford?
zhlédnutí 29Před 14 dny
How Big of a Mortgage Can I Afford as a First time Buyer UK #how #afford #mortgagecosts #borrow #moneymantv In this video, Malcom looks at how much you can borrow on a mortgage as a first time buyer, discussing how the amount you can borrow is worked out and what lenders will look for when working out how much you can borrow. *Mortgage Calculator* If you want a quick figure to how much you can ...
When Will Mortgage Rates Go Down?
zhlédnutí 198Před 14 dny
Will Mortgage Rates go Down in 2024? #rates #bankofengland #2024 #moneymantv As Malcolm will explain, when times are uncertain, many will wonder if mortgage rates will eventually go down. We look at how mortgage rates are determined and more. If you would like to know your options, book your free mortgage appointment today to get in touch with our mortgage advisors: ukmoneyman.com/get-started/?...
How Much Can I Borrow On A Mortgage?
zhlédnutí 36Před 21 dnem
How Much Can I Borrow for Mortgage UK as a First Time Buyer #mortgagecosts #borrow #moneymantv In this video, Malcom looks at how much you can borrow on a mortgage as a first time buyer, discussing how the amount you can borrow is worked out and what lenders will look for when working out how much you can borrow. *Mortgage Calculator* If you want a quick figure to how much you can borrow on a m...
Residential Bridging Loan
zhlédnutí 54Před měsícem
Residential Bridging Loan Learn more about Bridging Loan: ukmoneyman.com/residential-bridging-loans/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson talk about "Residential Bridging Loan". In the video, mortgage advisor and managing director of UK Moneyman Malcolm explains how a residential bridge is a short term loan used to fund a residential property...
Refurbished Bridging Loan
zhlédnutí 99Před měsícem
Refurbished Bridging Loan Learn more about Bridging Loan: ukmoneyman.com/refurbishment-bridging-loans/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson talks about "Refurbished Bridging Loan". In the video, mortgage advisor and managing director of UK Moneyman Malcolm explains how a refurbishment bridging loan is a type of loan that is designed specifica...
How to Get a Bridging Loan?
zhlédnutí 58Před měsícem
How to Get a Bridging Loan? Learn more about Bridging Loan: ukmoneyman.com/bridging-loans/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson answers the question "How to Get a Bridging Loan?". In the video, mortgage advisor and managing director of UK Moneyman Malcolm explains how you're able to obtain a Bridging Loan. Book a free chat today, it's always ...
How Much Does Bridging Loan Cost?
zhlédnutí 244Před měsícem
How Much Does Bridging Loan Cost? Learn more about Bridging Loan: ukmoneyman.com/bridging-loans/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson answers the question "How Much Does Bridging Loan Cost?". In the video, mortgage advisor and managing director of UK Moneyman Malcolm explains the costs and fees behind bridging loans. Book a free chat today, i...
How Long Does Bridging Finance Take?
zhlédnutí 47Před měsícem
How Long Does Bridging Finance Take? Learn more about Bridging Loan: ukmoneyman.com/bridging-loans/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson answers the question "How Long Does Bridging Finance Take?". In the video, mortgage advisor and managing director of UK Moneyman Malcolm explains how a bridging loan usually takes between 5-21 days to comple...
Regulated vs Unregulated Bridging Loan
zhlédnutí 178Před měsícem
Regulated vs Unregulated Bridging Loan Learn more about Bridging Loan - Regulated: ukmoneyman.com/regulated-bridging-loan/ Unregulated: ukmoneyman.com/unregulated-bridging-loan/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson atalks about "Regulated vs Unregulated Bridging Loan". In the video, mortgage advisor and managing director of UK Moneyman Malcol...
Second Charge Bridging Loan
zhlédnutí 66Před měsícem
Second Charge Bridging Loan Learn more about Bridging Loan: ukmoneyman.com/second-charge-bridging-loan/ In our latest CZcams video, Advisor and Managing Director of UK Moneyman Malcolm Davidson explains about "Second Charge Bridging Loan". In the video, mortgage advisor and managing director of UK Moneyman Malcolm explains what a second charge Bridging Loan is a short-term financing option secu...
What is a Bridging Loan? - How Does a Bridging Loan Work?
zhlédnutí 89Před měsícem
What is a Bridging Loan? - How Does a Bridging Loan Work?
How Easy is it to get a Bridging Loan?
zhlédnutí 114Před měsícem
How Easy is it to get a Bridging Loan?
Bridging Loan For Auction Properties - Auction Bridging Finance
zhlédnutí 134Před měsícem
Bridging Loan For Auction Properties - Auction Bridging Finance
How Much Can You Borrow on a Bridging Loan?
zhlédnutí 266Před měsícem
How Much Can You Borrow on a Bridging Loan?
What is The Maximum Age for a Mortgage?
zhlédnutí 126Před 2 měsíci
What is The Maximum Age for a Mortgage?
Entertaining!
genuinely appreciate how *WHITEDUMPS* and his team is thanks for a job we'll done
Thank you very informative
What happens if you port the mortgage. And the property has increased in value but your next property is the same value as the old one. For example, if property is £190,000 and i sell it for £220,000 but my next property is £190,000. Will the bank give the equity back to you or will they take it off the loan?
Yes, any equity is free for you to use however you wish.
How many time this process
Thanks for being upfront in a timely manner
Never make women the top priority in life. Make your health, career, hobbies, friends, relatives etc the top priority. Learn to live with or without women. Focus on yourself, work hard, make lot of money, have lot of fun. No strings attached.
basically= pay them more money.............thanks
Surely even with children involved, the house can still be handed over to their ex and then they should they not get a mortgage on that property on their own they can sell and use the equity to purchase an affordable place?
Hi sir mortgage transfer to wife this case how much time
Hi, im looking to buy out my partners ex on their mortgage. How do I calculate how much I'll need to pay. Also, she was the only one who paid the deposit. Does the depoit amount need to be considered when im doing the calculation? Thanks 👍🏼
Hi Michael, It’s really between your partner and ex to negotiate. One way of working it out would be to calculate the equity by subtracting the outstanding mortgage balance from the value of the property, dividing it by 2, and then knocking off the deposit your partner put in initially. Hope that helps. Thanks Malcolm.
Is there any chances FHTB house can go for letting. Becaus my base is very far from the home
Hi, yes, this could be a possibility for you.
Do you have to stay in the army for 10 years to pay it back or can you set up payment plans and get out early?
Hi, If you decide to leave the Armed Forces altogether and have a property which was purchased using FHTB and some or all of the loan is outstanding, you will only be allowed to leave if the FHTB has already been repaid in full or you have made acceptable arrangements to repay the FHTB in full prior to your leaving date. Please speak with your Unit HR Administrator about the repayment methods. One method of repayment may come from re-mortgaging the property and repaying the FHTB loan from the re-mortgage money. You cannot leave the Armed Forces and retain the FHTB loan, regardless of whether you are re-mortgaging or not. Your repayments will continue at the allotted rate until you leave. Thanks, Malcolm.
Great video, thanks!
Hi can you help I have been divorced for 3 years now and the court order was to transfer equity into my wife's name as she was not on the mortgage initially, but the mortgage company refused based on affordability, I was indemnified from the mortgage payments so I never paid the mortgage and nor did she and now the mortgage company are going head with repossession, what shall we do ?
Hi, It is a legal matter this rather than one for us, but I would say nothing would really get in the way of a Lender taking possession of a property where mortgage payments have been missed, irrespective of what was agreed between you. I recommend you open dialogue with the Lender if you have not already done so about what you plan to do and seek legal advice. Thanks, Malcolm.
I fall in this category group…would it be possible to get a mortgage under a ltd company or would this be impossible?
Hi, not with any of the lenders on our panel, sorry.
I have a few questions: 1. Why are those chains happening, what are the benefits (the disadvantages are obvious), 2. Why is the government allows them to take place. Only in England my friend, only in England.
Thanks for this info, question though. I'm moving in the with gf who's house is completely paid off but half was left to her sister in the will. Can I buy her sisters half of the house by remortgaging?
Sort of, can you book in for a call and we can explain - 0800 029 3757
Can I port my mortgage if I have a shared mortgage with my parter and we are separating??
Hi, this may well be possible but you would need to be able to satisfy the affordability assessment without your ex’s income.
@@MoneymanTV is it simply worth having a conversation with my mortgage provider (platform) and seing if they can do something for us both? We would both like to port the mortgage separately. As opposed to just one of use getting the rate we are currently on.
@@jrt123able Sure good idea, if they can’t help please feel free to get back in touch 🙂
Nicely explained
Wow, thank you for sharing this great information and knowledge, you were able to articulate it and explain it very well for us to better understand it all. i would love to take this time and openly extend an invitation to have you as a special guest and also an expert on the topic I am sure that our Podcast subscribers' followers would love it. Looking for hearing back from you,
I'm in this position now, I moved out and she's talking about selling and moving. I want to buy her out, I'm definitely on the deeds, does that mean I'm definitely on the mortgage?
Hi, I'm almost certain you will be yes 😊
@@MoneymanTV thanks, now i need to speak to the mortgage company despite not having any of the login details etc lol
You're on the deeds i.e. you legally part own the house, simple. She can sell all she likes, when it comes to the deed transfer you can stop the whole process dead in its' tracks, as you never consented in writing.
@@mirola73 I offered to buy her out. Her reply before I even got to that part was you can't make me move until our youngest is 18. I never mentioned making her do anything!. I literally said at some point we need to talk about the house. Guess she's just gonna make my life as hard as possible from now on. ( no different to when we were together tbh haha)
Hello i have a question. Me , my father and my brother was approved by house mortgage. But i have a problem with my bank statements as. I was gambling before we get pre approved. But I was just supporting my father on this mortgage. Will that accept my final approval? Even if im not the principal buyer? Are we fetting declined?
Hi Mike. It’s not a black and white answer, it can depend on the frequency and amounts of the transactions. For example, the odd lottery or football bet is usually fine, but higher and more frequent transactions can sometimes lead to a decline. It doesn't matter whether you are the first or second applicant.
Malcolm, would first-time buyers still be eligible if they have exchanged on a property, but not completed?
Hi, yes you will still be eligible as the stamp duty is payable on completion.
Afternoon, Me and my partner are looking at applying for a mortgage in March next year through yourself. At the minute we are discussing getting a joint bank account to simplify our finances but we are worried this will impact our application because it won’t have been opened for 12 months. Our current bank accounts have been opened for longer than ten year. Not sure what’s the best thing to do at the moment? Thanks
Hi Nathan, no this should not have a negative impact when you come to apply for your mortgage. Many Thanks, Malcolm.
I'd advice working with a mortgage broker for professional advice on how to go about investing in real estate ... just to avoid regrets
It will be over 20% for food inflation, as the majority of products now have less weight, with many at the same price, while others have a price increase too! Therefore, not included in inflation figures. For example, if a product has 10% less ingredients, that is the same as a 10% price rise if the price is the same, but if the price has also risen by 5%, that's the same as a 15% price increase, when only 5% will be included in the inflation figures! Finally, 5 months of recession is actually a depression!
Was this rate hike released early? I thought it was meant to be on the 8th?
Hi Liam, I believe that it was always scheduled to be the 4th of August, with other confirmed MPC dates for 2022 as follows: Thursday 4 August Thursday 15 September Thursday 3 November Thursday 15 December You can keep track of future dates on the BOE website here: www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2022/august-2022 Hope that helps 🙂
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
Hi 👋 I was wondering if anybody could help. I'm planning on getting married in the next couple of months. My partner's family are fairly religious, so we will be having a religious wedding. It won't be a real marriage in the eyes of the law I don't think. If we have a child and she decides that she doesn't want to see me anymore, am I entitled to anything. She owns the house and it's all paid for by her and she is nearly mortgage free. She earns 4 times the amount that I do. Basically I'm just worried that she might become hard to live with if years to come, and she might just kick me out. Would I be entitled to anything if I've had a child with her? I'm guessing not. I hope someone who knows the answer to this can help. Thank you
Are you still offering mortgage service for resi, BTL and commercial mortgages? Thanks
Hi Jesmine, yes we sure are. You can find more information on all our services on our website www.ukmoneyman.com or feel free to email any specific questions to malcolm@ukmoneyman.com, Many Thanks.
💚 All the best and continued success Good luck, great video 🌸 Great video, good luck and continued success
Many thanks for the comment, glad you liked it!
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I have no idea what my first step is re: who best to do what re house and morgage situation
Hi Chris, please feel free to contact our team on 0800 029 3757 who will be able to help answer your questions.
Very short video very useful
Thank you for the comment, glad you found the video useful!
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What is the difference between a tracker mortgage and a variable rate? Does the issuer of the debt control the variable rate and tracker is influenced by the BOE or central bank?
Hi Emile, yes that’s about right.
Good evening, do you have any lenders on your panel what would do a product for 95% ltv with a arrangement to pay over 24month ago?
Hi, in theory yes, but it would be subject to credit score. Thanks, Malcolm.
@@MoneymanTV thanks for the reply Malcolm, at what stage do you require the payment for your service? Is it on the fist meeting or at the point you have got the applicants an offer? Cheers again
@@nathangibbons4721 Hi Nathan, we only get paid when you receive a full mortgage offer. If we can't help you, there is no cost. All of our customers will benefit from a free mortgage appointment where all fees involved with obtaining a mortgage will be discussed. Thanks, Malcolm.
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Hi there, might be a dumb question but how much money does your business need to earn as a minimum to afford a mortgage for your first property?
Hi Ben, Technically there is no minimum as such but most lenders will lend you 4x your profits. Thanks, Malcolm
@@MoneymanTV thanks!
@@benhoward9412 No problem Ben, feel free to email me should you need any further, more personalised advice - malcolm@ukmoneyman.com