Welcome to our website Leedsmoneyman. We are a Mortgage Broker in Leeds & surrounding areas that are here to help you with your new or existing mortgage. Our trusted team of Mortgage Advisors in Leeds are available from 8am – 10pm, 7 days a week. We are ready to recommend you with the best deal, offering open and honest Mortgage Advice in Leeds.
As a Mortgage Broker in Leeds with over two decades of experience within the industry, we have developed our service to suit you! We offer out of hours Mortgage Advice in Leeds so that you feel the most comfortable and secure that you can when starting your mortgage process. If you have a question, don’t hesitate to get in touch with our friendly advisors, 8am – 10pm, 7 days a week! We also offer a free mortgage consultation to every customer no matter their mortgage situation.
Being a stand-alone Mortgage Broker in Leeds, we work with a large panel of lenders. Whether you are a first time buyer in Leeds or an existing homeowner looking to remortgage and/or raise capital, we’ll hold your hand throughout the whole process. We’ll also search thousands of mortgage deals on your behalf and recommend the best one for you. Saving both your time and your money.
Feel free to read our genuine reviews from our customers over at Reviews.co.uk. Your Mortgage Advisor in Leeds will pride themselves on providing a responsive service. Customer satisfaction remains at the heart of our business.
Having the advantage of being a smaller and friendly Mortgage Broker in Leeds, we’re able to add the personal touch to everything that we do. We know that the mortgage process can be stressful, and that’s exactly why we want to offer a helping hand.
Mortgage Advisors stationed in banks are only able to offer mortgage products from their own panel. It’s likely that you can access a better deal elsewhere if you choose to shop around. Our committed Mortgage Broker in Leeds can search through 1000’s of competitive products on your behalf, these include both high street and specialist mortgage deals.
There is usually a huge waiting list for appointments with banks, especially if you are trying to get a time that fits after work hours and family life. If you’re actively searching for properties or are ready to make an offer, you should know that you will get a mortgage appointment with one of our Mortgage Advisor in Leeds with days and sometimes hours of your enquiry. We know what it’s like when you are urging to get the ball rolling but your appointment date keeps getting pushed back!
Our Mortgage Broker in Leeds is not tied to a bank/building society/estate agent which means that we can access a large variety of deals across our panel of 30+ lenders. We always aim to be transparent and give you the best advice that will only benefit you and your mortgage journey.
Getting a mortgage can be tricky and it can be hard to get things right the first time around. Having a reputable Mortgage Advisor in Leeds on your side will prove beneficial, we have over two decades of experience in this field and have dealt with almost every single mortgage situation. Common hurdles that we help our customers overcome include low credit score, being Self Employed, outside of criteria, low borrowing capacity, and there are many more. Being an experienced Mortgage Broker in Leeds, we can usually help.
Our Mortgage Advisors in Leeds have worked with many customers in all situations. Using our in-depth knowledge of lending criteria and experience in providing expert Mortgage Advice in Leeds, we are positive that we’ll be able to help during the mortgage process.
Being a trusted and transparent Mortgage Broker in Leeds, we offer all of our new and existing customers a free mortgage consultation.
Your Mortgage Advisor in Leeds will listen to your situation and carefully examine your details so that they know exactly how to help. Our customers are our priority, and as a trusted Mortgage Broker in Leeds, we’ll recommend the best deal that’s tailored to your personal and financial circumstances.
If you decide to come to us Mortgage Advice in Leeds, you’ll be able to speak to a dedicated Mortgage Advisor in Leeds. Your Advisor will be right by your side every step of the way, they can’t wait to hear from you!
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.
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.
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.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
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.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.
Your free mortgage consultation in Leeds will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
As your mortgage broker in Leeds, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
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 always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.