Mortgage Broker in Leeds | Mortgage Advice Leeds

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"It's not just about the mortgage, it's about the journey. Our Mortgage Advisors in Leeds will hold your hand through the whole mortgage process."

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0113 827 2263.

Enquire Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0113 827 2263.

Malcoms Image

"It's not just about the mortgage, it's about the journey. Our Mortgage Advisors in Leeds will hold your hand through the whole mortgage process."

Enquire Online

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First Time Buyer

Remortgage

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Buy to Let

Right to Buy

Self Employed

Help to Buy

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Reviews Stars4.98 Rating200 Reviews

Mortgage Broker in Leeds | Mortgage Advice in Leeds

 

Welcome to the online home of a reputable Mortgage Broker in Leeds, Leedsmoneyman. With a team of skilled Mortgage Advisors in Leeds available, we can provide help and support throughout your mortgage process keeping you updated every step of the way.

 

We strive in making the mortgage journey as stress-free and simple as possible. Part of our service here is to make sure that all our experienced Mortgage Advisors in Leeds give all new and existing customers an open and honest experience ensuring you are kept in the loop at all times.

Our team can help you obtain a mortgage in Leeds

All new and existing customers who get in touch through the ‘get started’ process or phone are offered a first class service from our Mortgage Advisors in Leeds. If you are wondering how a Mortgage Broker in Leeds like Leedsmoneyman can help you, take a look at our genuine reviews that highlight how we have helped customers in the past on their mortgage journey.

 

The benefit of having a Mortgage Broker in Leeds by your side is that we have access to a large panel of lenders giving us the chance to look through 1000’s of deals to find you the most appropriate product for your circumstance, with a number of them not being on offer from your high street bank. Our team can shop around and compare deals for you to save you time and money which differentiate us from banks.

 

With over 20 years in the mortgage industry, we have helped a plethora of customers achieve their mortgage dreams, Being in this industry for many, we have been able to encounter many situations which means it’s rare for us to come across a situation we haven’t experienced before.

Mortgage Advice in Leeds – How does it work?

As a fast & friendly Mortgage Broker in Leeds, our role is to find you the most appropriate mortgage or remortgage deal for your situation. Take advantage of our free mortgage appointment we offer which you can book at a time that works with your schedule. In some cases, we can offer an appointment on the same day, subject to availability.

 

 

Your free consultation can give you the opportunity to explain your situation to your dedicated Mortgage Advisor in Leeds. They will ask you questions in order to have an idea of your financial situation as well as understand what your mortgage aims are.

 

 

With this information, your Mortgage Advisor in Leeds will search through 1000’s of deals to find you a product that is fitting for your circumstances. This will be explained to you in further detail in your initial mortgage appointment.

 

From this, we will advise the most appropriate deal for your circumstances. When you are satisfied with the deal offered, we will then move on to the next step o obtaining a mortgage agreement in principle.

 

 

Having this agreement in principle with you, it’s then time for you to go find the property of your dreams and place an offer. If you have had an offer accepted, get in contact with your Mortgage Advisor in Leeds and we can then move forward with your mortgage application.

 

 

This is where our team move forward with your full mortgage application. At this time, your allocated case handler will keep you in the loop about the process all the way to receiving your formal application.

 

 

Our team aim for a stress-free process when you are on your home buying or remortgage journey. We also work hard in overcoming any mortgage hurdles that we may encounter in the journey. As part of our responsive service, we always ensured you are updated all the time, even after completion to make sure your mortgage is still appropriate for you.

 

 

Get in touch with your Mortgage Broker in Leeds

Getting the help and support of an expert Mortgage Broker in Leeds could be beneficial if you are beginning your mortgage journey. We are available 7 days a week to work hard in helping you reach your mortgage goals. Whether you are a First Time Buyer, Moving Home or a landlord looking for a Buy to Let mortgage, or simply looking for some expert Mortgage Advice, we are here to help!

 

 

Get started on your mortgage journey by getting in touch any day of the week. Our team can get you booked in for an appointment sometimes on the same day, subject to availability.

Why Leedsmoneyman?

It’s quite common for people to first try their banks’ mortgage advisor in Leeds. Why wouldn’t you? Your finances are already with them, surely, it’s best to keep everything aligned, right?

 

Well, the reality of banks and mortgages is, they are only able to offer their own products. There is a vast amount of different mortgage lenders across the country and also on our panel, who we work with.

 

Each of these mortgage lenders offers various different products with different lending criteria, terms and rates of interest. Just because a deal you’ve found is the best one from your bank, does not mean that’s the best deal for you overall. As an open & honest mortgage broker in Leeds, we are able to search through thousands of mortgage deals across our panel of lenders, in order to find the most suitable one for what you are looking to achieve.

 

There are a lot of deals out there, from standard to more specialist, many that are exclusive to mortgage brokers like us. Your mortgage advisor in Leeds always has your best interests at heart and will always look to find you the best one.

 

How does mortgage advice in Leeds work?

As a trusted and experienced mortgage broker in Leeds, it’s our job to look at your case and the products available to you on the market, to help you with either your purchase mortgage or your remortgage.

 

The first step for you to take is to use our online booking feature or give us a call, and get booked in for a free mortgage appointment with one of our qualified, expert mortgage advisors in Leeds.

 

During your free mortgage appointment, your trusted and dedicated mortgage advisor in Leeds will gather various bits of information from you, about your finances, including spending habits and income.

 

From here they will be able to take a look at our panel of mortgage lenders, searching through 1000s of mortgage deals on the market and reviewing the lending criteria for each, in order to find you the most suitable mortgage deal that exists for what you’re looking to achieve.

 

We pride ourselves on a transparent service. This means that if something you wish to do regarding a mortgage is not feasible or a deal you have found is not the right one for your circumstances, your mortgage advisor will inform you of this. This applies to remortgages too.

 

If you are looking to remortgage in Leeds, but perhaps a product transfer or the rare circumstance of remaining on your lenders’ Standard Variable Rate is a better choice for you, they will openly inform you of such.

 

Whilst there are never any guarantees in the mortgage world, we can say with confidence that we will do our absolute best to get any recommendations we make right first time, hopefully in the process saving you both time and money.

 

We have an in-depth understanding of mortgage lender criteria, using that knowledge to help any customers who enquire for mortgage advice in Leeds. Our customers best interests are always at the heart of what we do as a company, a sentiment reflected in our many fantastic reviews.

 

Mortgage Advice for New Purchases & Remortgage Advice in Leeds

From those who are first time buyers in Leeds, to those moving home, to budding and experienced landlords, homeowners looking to remortgage in Leeds, and all in between. We firmly believe that all will find our service to be beneficial.

 

The process of buying a home is never an easy one, no matter what that is for. For first time buyers it can be daunting, for home movers stressful, thanks in part to the act of selling a home and buying one at the same time. Both of these become more complex if you’re self-employed in Leeds.

 

Buy to lets landlords tend to be busy people. Whether they’re a full time landlord managing multiple properties under their portfolio or are a part time landlord with a busy life outside of properties, it can be difficult finding the time and energy to deal with a mortgage as well.

 

As for remortgages, there are many different routes a customer may wish to take. Some would simply like a better deal; others may wish to raise capital. Remortgages are also popular amongst those who are considering home improvements or looking to consolidate debts.

 

In any of these situations, your process can be made easier by enlisting the services of an expert mortgage broker in Leeds. It’s our job to help customers across any hurdles in their way, reducing their stress levels and doing the bulk of the work on their behalf.

 

Leeds Mortgages | All Situations Considered

Oftentimes we come across specialist situations that perhaps don’t have conclusively simple answers. We’re used to dealing with situations like this, working hard, utilising our knowledge and experience of similar situations, as well as our panel of specialist mortgage lenders to find mortgage solutions.

 

If your situation is a little more complex than the standard mortgage case that’s out there, do not worry. Whilst everyone’s situation is unique and different, it is very likely that our intuitive team have come across something at least similar to yours in the past.

 

With over two decades of mortgage experience, there’s not a lot that our team of mortgage advisors in Leeds hasn’t seen before, you’ll be in safe hands with us. Book an appointment to speak with a member of our mortgage advice team and we’ll see how we are able to help with your case.

 

Trusted & Reliable Mortgage Advice in Leeds

In order to work out what your monthly mortgage repayments could be, you may benefit from using our online mortgage calculator. Though only to be used as a general guide, it is a great tool for finding an estimate of what you could be paying per month.

 

For a much more accurate figure, you may prefer to speak with a real person, one of our mortgage advisors in Leeds. They’ll be able to look at the nitty gritty of your case and determine what the likely monthly cost is for you.

 

Our mortgage advice team of advisors and administrators work from early on in the day until later into the evening, seven days a week, including weekends and some bank holidays. They do this to make sure they have the availability to offer you mortgage guidance and support when you need us.

 

Speak to a Mortgage Advisor in Leeds

During each step of your mortgage process, you will always have a dedicated mortgage advisor in Leeds and our team of mortgage administrators on hand to answer any questions and concerns that you may have about the journey you are on.

 

We pride ourselves on a responsive service, so you can rest assured that you will always be left in the loop and kept up to date with any changes that occur, any updates from the lender and overall general progress from your mortgage advisor.

 

If anything happens that requires your attention, or if we need any additional documents or information from you in order to proceed, your mortgage advisor in Leeds will be in touch with you as soon as they can, to inform you of this.

 

It’s always beneficial for customers to look at getting an agreement in principle as soon as they can. Doing so allows you to progress with the confidence that a lender is willing to lend to you, something which can be used as leverage when negotiating on property price with a seller.

 

We can typically get this for you within 24 hours of your initial appointment, sometimes being able to get this on the same day if you are lucky enough and get in touch earlier on. We’re also able to help you budget for the journey ahead and recommend any additional services such as conveyancing solicitors.

 

Book your free initial mortgage appointment today and speak with a professional, qualified and experienced mortgage broker in Leeds. We will do everything within our power to help you in achieving mortgage success, whether first time buyer in Leeds, looking to remortgage in Leeds or anything else in-between.

Mortgage advice in Leeds – Options:

First Time Buyer Mortgage Advice Leeds

Our Mortgage Advisors in Leeds are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Leeds

Simply, wanting Mortgage Advice in Leeds, such as knowing how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Leeds

Seeking a better mortgage deal by using our Mortgage Broker in Leeds, to reduce or extend the term, to add or remove a name, or raise money on your home?

We search 1000's of mortgage deals across a large number of lenders, including:

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Common mortgage questions

Our free initial mortgage consultation can roughly last up to one hour. As a skilled Mortgage Broker in Leeds, we can get you an Agreement in Principle within 24 hours after we have all the correct information. On average, a formal mortgage offer takes about three weeks. 

If you’re an employee, you will usually have to supply three pay slips to prove your income. If you are Self Employed in Leeds, it is typically the latest two years’ accounts. You will also need to provide proof of ID, address and three months’ bank statements. 

If you can show evidence of at least one year’s accounts, you may be able to get a mortgage. Most lenders in Leeds will use your salary plus dividend to work out your maximum mortgage. However, some can go off your net profit. 

Despite having shown any credit problems in the past, the good news is you may be able to get a mortgage, but it means you may be required to put down a higher deposit, e.g. 10 – 15% of the property purchase price.

Suppose you are looking to put down a deposit for a property in Leeds. In that case, most High Street lenders will ask for a minimum deposit of 5%, and others might ask for a higher amount depending on your circumstances, e.g. If you have had any previous credit problems.

You can have two mortgages running simultaneously, as long as you can afford to repay the monthly instalments on each of them. If you’re looking to accomplish something like debt consolidation or home improvements, you may be able to place a second mortgage on your home. 

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires, it can easily get renewed by speaking to a Mortgage Advisor in Leeds. 

As a committed Mortgage Broker in Leeds, we will carry out a Fact Find to establish your personal needs before we go ahead with advising the most suitable mortgage for your circumstances. From there, you will be credit checked, which is a requirement to obtain an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be issued a formal mortgage offer. 

Your free mortgage consultation with a Mortgage Advisor in Leeds will last around one hour. Once they have evaluated your circumstances, they will advise a mortgage with no obligation for you to proceed. Based on the deal, you can determine whether or not you want to continue the process. 

To help demonstrate that you are creditworthy and assess your affordability for a mortgage, we recommend getting an Agreement in Principle ready before viewing properties in Leeds. At the very latest, you should obtain one before making an offer to assist your bargaining position and show any seller that you are ready to proceed should they accept your offer. We are typically able to obtain an agreement in principle within 24 hours.

Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Leedsmoneyman

Leedsmoneyman, Wizu Workspace, 32 Park Cross Street, Leeds, LS1 2QH.

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