What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 2:30pm

Mortgage Advice UK

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Mortgage Advice UK

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A totally personalised service for all your mortgage & protection needs.

29/10/2026

Are you looking at selling your property?

Call Whitehorne Estate Agents on 0114 268 8533 to book in a free valuation

22/10/2026

Wondering why you can’t borrow as much as you expected?
Mortgage affordability isn’t just about your income, it’s about your whole financial picture.
Here’s what lenders look at (and why it matters):
💰 Your income
The more stable and consistent your income, the more confident lenders feel that you can keep up with repayments. Lenders only take basic salary and guaranteed bonus/overtime/commission at 100% and variable incomes are subject to individual criteria.
📉 Your outgoings
Things like loans P*P and interest free arrangement, credit cards, childcare, and subscriptions reduce how much you can comfortably afford each month.
📊 Your credit history
A strong credit profile shows you’re reliable with borrowing, missed payments can lower what you’re offered.
📈 Interest rates & stress tests
Lenders check if you could still afford payments if rates rise, not just today’s deal.
🏡 Deposit size
A bigger deposit lowers the risk for lenders, which can improve how much they’re willing to lend.

If you have tried with your own bank, it is always worth contacting one of our brokers as another lender may be more generous. If you would like any further information, please contact us today on 0114 250 9100.

13/10/2026

1 - When you are moving home. It will be subject to a new mortgage application even if you are staying with the same lender, meaning you will undergo the same checks as the initial mortgage application. This could mean that if you no longer meet the lenders criteria, they will not lend on the new property. 🏡

2 - All lenders use individual affordability calculators, which can make a massive difference between how much you can borrow. If you have tried with your own bank, it is always worth contacting a broker as another lender may be more generous. 💵

3 – Not all lenders will lend on all types of properties. Non-standard construction may be a no go with most lenders, but some lesser known Buildings Societies can be happy with this risk. 🏚️

It is always worth contacting one of our brokers if you would like any further information on these points, please contact us today on 0114 250 9100 📞

01/10/2026

Is looking at protection still on your to do list? Call our office today on 0114 250 9100, to speak to one of our advisors about your insurance needs 📞

25/09/2026

Self Employed?

Think this makes it more difficult for you to get a mortgage?

Think again!!

To speak to one of our experts, call our office on 0114 250 9100 📞

17/09/2026

The Bank of England base rate has been held at 3.75% for the 6th time in a row

08/09/2026

Review ⭐️

Thank you Elli for the wonderful 5 star review⭐️

03/09/2026

Review⭐️

Thank you Liam for the wonderful 5 star review⭐️

20/08/2026

The role of a conveyancer is very important in the mortgage process, they undertake the legal part of the process and without them the house buying process would not be able to take place.

18/08/2026

Review ⭐️

Thank you Charlotte for the wonderful 5 star review⭐️

Address

Unit 2 Acorn Business Park Woodseats Close
Sheffield
S80TB

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 2:30pm

Website

http://www.mortgageadvice.uk.com/

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