Fast & Friendly Mortgage Advice in Leeds
Appointments Available on Evenings and Weekends
"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 8272 263.
Book OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 0113 8272 263.
"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."
Book OnlineWhat our customers say
- Mortgage Advice
- Why Us?
Mortgage Broker in Leeds | Mortgage Advice in Leeds
Welcome to our website Leedsmoneyman.com. We aim to help our customers find the most suitable mortgage by offering our expert mortgage advice in Leeds and surrounding areas.
As a fast and friendly mortgage broker in Leeds, we have an excellent reputation for providing top-level mortgage advice 7 days a week! Covering various mortgage scenarios, including first time buyers, remortgaging, home movers, buy-to-let, Help to Buy, and mortgage protection insurance.
We also offer a free mortgage consultation to every customer who approaches us with their mortgage situation.
Mortgage Advice for New Purchases & Remortgage Advice in Leeds
Our dedicated mortgage advisors in Leeds always go the extra mile to help support customers throughout their mortgage process. We love building long-lasting relationships, which is why most of our customers choose to return to us when it’s time to remortgage.
We work from a large panel of lenders who offer different products. Even if you have a specialist case, our mortgage broker in Leeds deal with these regularly. Your assigned mortgage advisor in Leeds will try their best to give you a solution and find you a tailored mortgage that matches your individual needs.
Mortgage Advice in Leeds – We’re Open & Honest
As a mortgage broker in Leeds, we’ve spoken to many customers in different situations. We often find that the bank has turned many of them away, usually without any explanation of why.
The reason why your application got rejected can come down to various aspects, such as the property value being less than the amount you want to borrow or not meeting the banks strict lending criteria.
Our mortgage advisors in Leeds work with many mortgage lenders that offer a range of products, meaning we have 1000’s of deals to choose from just for you.
We can confidently say that our Mortgage Advisors in Leeds will always try their very best to help you find the most appropriate mortgage for your circumstances. Taking as much stress out of the home buying and remortgaging process as possible.
The team here at Leedsmoneyman have an in-depth knowledge of mortgage criteria, and we will be more than happy to assist you throughout your mortgage journey from start to finish.
Speak to a Mortgage Advisor in Leeds 7 Days a Week
Mortgage Advisors at banks are only able to offer mortgage products from the bank they are working for. You can likely access a better deal elsewhere if you choose to shop around. Our committed Mortgage Broker in Leeds can search through 1000’s competitive products on your behalf, and these include both high street and specialist mortgage deals.
There is usually an extensive waiting list for appointments with banks, especially if you are trying to get a time that fits after work hours and family life. We know what it’s like when you are urging to get the ball rolling, but your appointment date keeps getting pushed back!
If you’re actively searching for properties or are ready to make an offer, you should know that you will usually get a mortgage appointment the same day with one of our Mortgage Advisor in Leeds and sometimes within hours of your enquiry.
As a mortgage broker in Leeds we are not tied to a bank/building society/estate agent, which means that we work for you and have no vested interests. We always aim to be transparent and give you the best advice that will only benefit you and your mortgage journey.
Overcoming mortgage hurdles together
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 mortgage situation.
We help our customers overcome common hurdles, including low credit scores, being self-employed, outside of criteria, low borrowing capacity, and many more. Being an experienced mortgage broker in Leeds, we can usually help.
Our Mortgage Advisors 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.
Mortgage Advice in Leeds
Being a trusted and transparent Mortgage Broker, we offer our new and existing customers a free mortgage consultation.
Your Mortgage Advisor in Leeds will listen to your situation and look over your current financial situation, so that they know precisely how to help. Our customers are our priority, and as a trusted Mortgage Broker in Leeds, we’ll recommend the best deal tailored to your circumstances.
If you decide to come to us for Mortgage Advice in Leeds, you’ll be able to speak to a dedicated Mortgage Advisor. Your Advisor will be right by your side every step of the way, and they can’t wait to hear from you!
Mortgage advice in Leeds – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
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.
