It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Locum doctors often face unique challenges when securing a mortgage, particularly due to the fluctuating nature of their income.
For those working in Leeds, lenders offer a range of options tailored to professionals with non-traditional earnings.
With the right preparation and expert advice, achieving homeownership or exploring remortgage opportunities is entirely possible, even with a variable income.
Lenders generally treat locum doctors as self-employed due to the temporary and contract-based nature of their work.
To feel confident about lending, they typically require proof of consistent earnings over a one to two-year period. This often includes presenting documents such as tax returns, contracts, and bank statements.
Despite the complexities of irregular income, many lenders familiar with locum doctor mortgages in Leeds understand the specific needs of professionals in this field.
As a result, a wide range of mortgage products is available, including those suited to first-time buyers in Leeds.
Preparing your financial documents is crucial to presenting a strong mortgage application.
Tax returns and SA302 forms provide a clear overview of your earnings, while ongoing or past contracts demonstrate work stability.
Lenders will also review bank statements to assess cash flow, even if monthly income varies. For locum doctors operating through a limited company, accurate and up-to-date accounts are essential.
Additionally, saving for a larger deposit can significantly improve your options.
While a 10% deposit is a common starting point, offering more can unlock better rates, particularly for locum doctor mortgages in Leeds.
This preparation can also position you favourably for future remortgage opportunities.
Locum doctors in Leeds have access to a variety of mortgage products tailored to meet their needs.
Fixed-rate mortgages provide stability by locking in monthly payments for a set period, offering peace of mind when income fluctuates.
Variable-rate mortgages adjust with market conditions, allowing flexibility for those comfortable managing changing repayment amounts.
Offset mortgages are another option worth considering. By linking a savings account to the mortgage balance, this type of product helps reduce the interest payable.
For locum doctors with substantial savings, offset mortgages provide greater control over finances and can be particularly useful when navigating irregular income patterns.
Proving income stability is often the biggest hurdle for locum doctors seeking a mortgage in Leeds. Clear and comprehensive financial records are essential to demonstrate reliability.
A larger deposit can further reassure lenders, showing financial discipline and potentially leading to more favourable rates.
Maintaining a strong credit score is another critical factor. Regularly monitoring your credit profile ensures there are no unexpected issues that might affect your application.
If you’re already a homeowner, exploring a remortgage in Leeds to access better terms or release equity can also be a smart move.
For locum doctors aged 50 and above, there are specialised mortgage options designed to accommodate later life borrowing.
These products offer flexibility, whether you’re looking to purchase a new home, remortgage in Leeds, or release equity to support retirement plans.
Many lenders understand the evolving financial needs of locum doctors over 50 and can provide solutions that align with both career and personal goals.
Securing the right mortgage as a locum doctor in Leeds can be complex, but a specialist mortgage broker can simplify the process.
Brokers with experience in locum doctor mortgages understand how to present your application to lenders in the best possible light, particularly when income varies.
They also have access to lenders who are more flexible with income verification and can help secure competitive rates.
Whether you’re a first-time buyer in Leeds, planning to remortgage, or exploring tailored products for over 50s, working with a broker ensures you’ll find a solution that suits your unique circumstances.
As a mortgage broker in Leeds, we understand the excitement and relief that comes with receiving a mortgage offer.
It’s a significant milestone in your journey towards owning a home. However, it’s important to know that there are still several steps to take before you can move into your new property.
Here’s what you can expect after your mortgage offer is issued.
Firstly, it’s crucial to carefully review the mortgage offer document. This document outlines the terms and conditions of your mortgage, including the interest rate, repayment schedule, and any special conditions.
As your mortgage broker in Leeds, we will go through this document with you to ensure you fully understand every detail. If anything is unclear, don’t hesitate to ask questions.
Once you are satisfied with the mortgage offer, the next step is to instruct a solicitor or conveyancer.
They will handle the legal aspects of your property purchase, including conducting local searches, checking the contract, and ensuring there are no legal issues with the property.
Our team will help you with this part, recommending which solicitors to use for the legal parts of the mortgage process.
The lender will usually require a property valuation to confirm that the property’s value is in line with the amount you are borrowing.
This is typically arranged by the lender, but you might also want to consider an independent survey to identify any potential issues with the property.
There are different types of surveys available, and we can advise on which might be most suitable for your needs.
Your solicitor will work with the seller’s solicitor to finalise the contract. Once both parties are satisfied, you will be asked to sign the contract.
At this point, you will also need to pay a deposit, typically 10% of the purchase price. This stage is known as “exchange of contracts” and is legally binding.
It’s essential to have building insurance in place from the date of the exchange of contracts.
This ensures that the property is protected from any damage that could occur between exchange and completion. We can help you find comprehensive insurance policies that suit your needs.
In the period between exchanging contracts and completion, your lender will prepare the funds for your mortgage.
You will also need to ensure that your deposit is ready to be transferred to your solicitor. During this time, it’s important to stay in close contact with your solicitor and mortgage broker in Leeds to address any last-minute issues that may arise.
Completion is the final step in the process. This is when the remaining balance of the purchase price is transferred from your solicitor to the seller’s solicitor.
Once the seller’s solicitor confirms receipt of the funds, you will receive the keys to your new home.
Congratulations, you are now a homeowner in Leeds!
After completion, there are a few more tasks to take care of.
Your solicitor will register the transfer of ownership with the Land Registry and pay any Stamp Duty Land Tax on your behalf.
It’s also a good time to set up your mortgage repayments and start organising moving into your home.
At Leedsmoneyman, we are dedicated to making the mortgage process as smooth as possible. From the initial application to receiving your mortgage offer and beyond, our team of experienced mortgage advisors are here to guide you every step of the way.
We provide personalised advice tailored to your unique circumstances, ensuring you feel confident and supported throughout your home-buying journey. Whether you are a first time buyer in Leeds or are looking at moving home in Leeds, we highly recommend seeking advice during your mortgage process.
For more information or to schedule an appointment, contact us today. We look forward to helping you secure your dream home in Leeds.
Saving for your mortgage deposit can feel like an uphill climb when you’re looking for a property in Leeds. Over the past couple of decades, escalating property prices have made the prospect of gathering a deposit seem even more daunting.
If you’re new to the property market in Leeds, our insightful guide may help tick off several queries about acquiring a mortgage with a small 5% deposit.
More often than not, mortgage providers typically require an initial deposit of roughly 5% of the overall property value. For instance, if you have set your sights on a home worth £200,000, you’ll need to set aside a deposit of £10,000.
As a mortgage broker in Leeds, we assess your earnings and financial condition to ascertain whether a 5% deposit is within your reach or whether you need to aim a little higher.
In certain circumstances, securing a mortgage with a 5% deposit with a less-than-perfect credit score may be possible.
However, the level of difficulty and the timeline of your credit issues largely determine the feasibility.
Typically, applicants with a bad credit history are requested to provide a larger deposit, usually around 10%-15% of the property’s value.
There are several schemes designed to assist homebuyers up the property ladder. If you are in Leeds and struggling to gather a deposit, these programs might be the boost you need:
Mortgage Guarantee Scheme – This scheme is the perfect fit if you are a first time buyer in Leeds. Its purpose is to help you secure a 95% mortgage, thereby reducing your deposit requirement to just 5%. Eligibility relies heavily on your financial standing and credit history.
Shared Ownership Scheme – The Shared Ownership Scheme in Leeds gives you allows you to own a percentage of a property (typically between 25%-75%). The way that this works is that you take out a mortgage on the percentage that you own, then pay rent on the remaining share to the other property owner. This could be a building society, landlord, etc.
As circumstances change, you can slowly increase your share until, eventually, you own a sizeable chunk, if not all, of the property.
Lifetime ISA – This is an initiative aimed at helping first time buyers build up their mortgage deposit. The scheme is only accessible if you are a first time buyer in Leeds aged between 18-40.
The Lifetime ISA effectively is a savings account where you can accumulate up to £4,000 annually. The government then boosts whatever amount you save by an additional 25% (max £1000).
For more information on these mortgage schemes and to see what else the government offers, visit OwnYourHome.gov.uk.
We invite you to book your free mortgage appointment with a mortgage advisor in Leeds. Every customer can benefit from a free mortgage appointment where you will get the chance to discuss your homeownership aspirations and ask any questions that you have.
Depending on your unique financial circumstance, obtaining a mortgage with a 5% deposit could be achievable without the use of a mortgage scheme. During your free mortgage appointment, we will take a look at your situation and work out whether this is something that you can do.
If you’re a first time buyer in Leeds, schedule your free mortgage consultation with us today and embark on your journey towards homeownership.
In the early part of the last decade, the UK government launched the Help to Buy initiative. This was an expansion on their previous FirstBuy Scheme, aiming to assist potential homeowners, particularly first-time buyers, to step onto the property ladder. Over the years, some of these schemes have ceased to exist, while others have persisted without the Help to Buy moniker. The best-known and most frequently used one was the Help to Buy Equity Loan Scheme, which stopped accepting new applications at the end of 2022.
This implies that first-time buyers can no longer use Help to Buy in Leeds or elsewhere in the UK, but this doesn’t mean they’re left without any avenues to homeownership. Other well-designed schemes are still available to assist potential home buyers in Leeds!
The forces help to buy schemes in Leeds was initiated to enable regular personnel of the armed forces to become homeowners. With a significant number of these men and women finding it challenging to secure a mortgage, this initiative was unveiled. It began as a trial program, but due to its successful reception and usefulness, the government decided to permanently implement it.
Eligible borrowers under this scheme can get up to 50% of their yearly salary, capped at £25,000. This borrowed amount can be used towards the deposit or other fees associated with buying a house, for example, solicitor’s and estate agent’s fees. The application process can be done through the Joint Personnel Administration System, or with the aid of a mortgage advisor in Leeds.
As a mortgage broker in Leeds, we’re here to clarify the intricacies of this scheme and help you determine your eligibility. Let us handle the details for a worry-free and straightforward mortgage experience.
With shared ownership, buyers can own a portion of a property, with a housing association owning the remaining percentage. This implies that you will be paying a mortgage based on the percentage you own, and rent on the housing association’s ownership share. Typically the property percentage share to be purchased lies between 25%-75%, though exceptions can be made.
With time, should your financial capability increase, or after you’ve paid off your share, you can decide to purchase the rest of the property if the housing association allows it.
Although it isn’t prominently mentioned in the mortgage market, the Lifetime ISA (Individual Savings Account) scheme greatly contributes to getting first time buyers in Leeds to own homes. It is often confused with the already expired Help to Buy ISA, hence, the underutilization of the scheme.
The Lifetime ISA in Leeds allows you to save for either your first home or for later life. The account lets you save money in an interest-free savings account, with the government adding a 25% top-up for the amount you’ve saved each year.
To access your savings for a property purchase, you must have operated the Lifetime ISA for a minimum of 12 months. There are also penalties for unauthorized withdrawals, usually ranging between 20-25% of the saved amount.
Relocation to a new home is a significant decision that requires thoughtful consideration about your future objectives and possible changes over the next five to ten years. To guide you in making the most suitable selection, we have built a list of ten considerations to take into account when choosing the location for your next move.
Where you opt to live will largely depend on your personal circumstances. For instance, first time buyers in Leeds could be more inclined towards city living, whilst families and older folks might favour the tranquillity of a town, village, or rural home. Nevertheless, the ultimate choice remains in your hands.
Ease of transport is paramount in choosing a home. Commuters should evaluate the accessibility to major roads or motorways. Those depending on public transport may find city living more convenient. Always consider commuting costs and time, and consider walking or cycling to work if feasible.
For families, schools are a top priority when house-hunting. If your children are at school or college, you may grapple with the decision to maintain them in their current institution or move them closer to your new location. Your intended distance of relocation will influence this choice. If you’re planning a family, this factor should also be contemplated, as the proximity to schools will eventually become crucial.
Distinguishing between essentials and luxuries is important. While having a gym around the corner could be nice, more immediate needs like grocery shops should take precedence.
Moving away from friends and family can be difficult, particularly if you spend significant time with them. Many people move to be nearer to their loved ones, as having family and friends nearby can provide helpful support, such as childcare.
Getting good value for your money is essential when acquiring property. Check out prices of comparable properties on websites like Rightmove or Zoopla to gauge if you’re getting a deal. If you’re overpaying, the lender could devalue the property during the mortgage appraisal.
Some prefer vibrant communities with frequent events, while others are more inclined towards tranquillity. Facebook groups can give you a flavour of the local atmosphere.
A primary motivation for relocation is to adapt to new career paths. However, with an increasing option to telecommute, this factor may no longer hold as much weight.
Your preferred type and size of accommodation plays a significant role in the choice of location. You may find semi-detached or terraced houses in the city, with larger homes in the countryside. Family size, future plans, and financial situation are key influencers of this decision.
Before committing, it’s paramount to research if there are any planned local projects. Large-scale housing developments could disrupt your peaceful countryside life.
Our ultimate goal is to arm you with information to make the best decision on where to move. Once you’ve found your dream home in a desirable location and ready to proceed, our team of highly experienced mortgage advisors is here to guide you. Book a free mortgage appointment with one of our certified mortgage advisors in Leeds at your convenience online. We eagerly anticipate working with you on your home moving journey!
Shared Ownership is your key to homeownership, introduced post the Credit Crunch as part of the government’s Help to Buy initiative. This scheme is tailored to help first time buyers in Leeds facing challenges in getting on the property ladder.
In Shared Ownership, you don’t buy the whole property; instead, you own a percentage (usually between 25% and 75%) and pay rent on the remaining share. This option provides financial flexibility, making homeownership more achievable.
To join Shared Ownership, ensure your household income is under £80,000. This scheme exclusively caters to first time buyers in Leeds or those in the process of selling a property. You must not own another property at the time of purchase and demonstrate financial responsibility.
This means showing you have no missed payments on mortgages or rent, and maintain a positive credit history. Additionally, prove you can cover all costs associated with Shared Ownership.
Upon achieving full ownership, you gain the right to sell the property yourself. However, the housing association holds the ‘first refusal’ right for a specific period after your initial purchase. Once this period lapses, you have the freedom to sell to anyone.
If you need advice with a Shared Ownership, our friendly advisors are available 7 days a week.
Whether you’re a seasoned buyer or a first time buyer in Leeds, we’re here to provide support. Book your free mortgage appointment today and we’ll see how we can help.
Navigating the property offer process can be complex, especially for first time buyers in Leeds. The delicate balance of offering less than the asking price while ensuring your bid is still competitive can be challenging.
As seasoned mortgage brokers in Leeds, we understand the intricacies of this negotiation dance. We often advise clients to find the “magic number” – an offer neither too low nor too high, aligning with the property’s true value.
This may not be achieved with the initial offer, making it essential to have a mortgage advisor in Leeds by your side for guidance and support. Our experts can lead you through the process, increasing your chances of success in a competitive market.
A quick tip for property offers: if your first offer is accepted, you may have bid too high. It’s wise to offer less than your maximum to leave room for negotiation.
Estate agents often inquire whether you’re a cash buyer or require a mortgage. Cash buyers can be attractive to sellers for their ability to complete transactions swiftly.
However, if you need a mortgage, having an agreement in principle (AIP) is important. We, as mortgage advisors in Leeds, can arrange your AIP promptly, providing you with a solid foundation for making an offer.
For those moving home in Leeds, selling your current property before making an offer on another is advisable. The sale provides the deposit for your new purchase, streamlining the process.
However, circumstances may lead you to explore potential homes before selling. While not ideal, our advice is to proceed cautiously and be transparent with the seller about your situation.
Preparation is key when making an offer. Ensure all necessary documents are in order, including proof of ID, address, deposit, and financial statements. Working with a dedicated mortgage broker in Leeds, like us, can simplify this process, ensuring your application is comprehensive and appealing to lenders.
Amidst the challenges of the home-buying journey, remember the emotional connection between the buyer and seller can play a role. Sharing your plans for the property, especially if they align with the seller’s experiences, can create a positive connection.
If given the chance, inquire about the seller’s future plans, reasons for moving, and the property’s history with other offers.
These details may provide insights into the property’s value and potential negotiation points. Understanding the seller’s perspective can empower you to make informed and strategic offers.
If you reside in Leeds and currently occupy a property owned by the local authority (either the council or housing association), you may have the opportunity to become a homeowner through the Right to Buy scheme in Leeds.
The Right to Buy Scheme, if you meet the eligibility criteria, empowers you to purchase the property at a discounted price. Instead of paying rent for a property that isn’t yours, with potential variations in the monthly mortgage payment, you can truly call it your home.
If you’re new to the Right to Buy in Leeds or find any information here confusing, feel free to reach out for expert Right to Buy mortgage advice in Leeds. Our dedicated mortgage advisors are available throughout the day to address any queries you may have.
Drawing upon our extensive experience in the industry, we possess in-depth knowledge of Right to Buy mortgages and can guide you through the entire process seamlessly.
If the Right to Buy Scheme in Leeds is unfamiliar to you, and this is your first encounter with it, it’s advisable to contact your local authority to verify your eligibility for purchasing your rented home.
Upon confirmation of eligibility, you can expect to receive a Right to Buy offer from them, detailing property prices when the scheme is active and ready.
Given that the offer typically has an expiry date, it’s important to speak with a fast and friendly mortgage advisor in Leeds well before this period concludes.
Upon reaching out to us, we will schedule a free initial mortgage consultation, where we gather your details to comprehend your unique situation. You’ll engage with an experienced and dedicated mortgage advisor in Leeds, who will provide expert guidance throughout the entire process.
To be eligible for the Right to Buy discount, a three-year residence in your rental property is required, whether this period is continuous or not.
However, the Right to Buy discount is not accessible if any of the following conditions apply:
Additionally, specific living circumstances, such as selected housing for the elderly or having a career in a particular sector, may not qualify for the Right to Buy discount.
A mortgage agreement in principle (AIP), also referred to as a decision in principle or agreement in principle, stands as a valuable resource for prospective homebuyers in Leeds. This initial step offers an estimate of the potential borrowing amount before formally initiating the mortgage application.
To secure an AIP, a soft credit check is performed, causing minimal impact to your credit score. Importantly, obtaining an AIP doesn’t bind you to proceed with a mortgage application.
At Leedsmoneyman, our commitment is to provide you with an AIP within 24 hours of your initial mortgage appointment. The validity of this agreement spans 30-90 days, allowing ample time for property exploration and can be easily renewed if it expires.
When pursuing a mortgage agreement in principle, you have two pathways. You can directly approach a mortgage lender or enlist the assistance of a reputable mortgage broker in Leeds, such as us.
Our seasoned mortgage advisors act as intermediaries with the lender, ensuring a swift AIP process. Every customer is entitled to a complimentary mortgage appointment, during which expert advice is dispensed, and your AIP is delivered within 24 hours.
To proceed with the application, documentation supporting proof of income, employment details, credit history, and other personal information is required. This step offers a reliable estimate of the potential borrowing amount.
Obtaining a mortgage agreement in principle prior to commencing your property search is a prudent move. It offers a preliminary understanding of your borrowing capacity, enabling you to focus on properties within your financial scope.
Moreover, having an AIP can bolster your position when making an offer, signalling to sellers and estate agents that you are a serious buyer.
It’s important to note that while an AIP provides valuable insights, it doesn’t guarantee mortgage approval; comprehensive assessments are conducted during the full application process.
When applying for an agreement in principle, the mortgage lender will request specific personal information to assess your eligibility and determine the potential lending amount.
This includes details like income, employment status, credit history, and relevant personal information. Additional documentation may be requested, such as bank statements or proof of income, to inform the lender’s decision.
An AIP outlines the potential lending amount based on provided information without forming a legal contract. In contrast, a mortgage offer is a formal, legally binding agreement from a lender, confirming their willingness to lend after thorough checks.
Understanding this distinction is key; an AIP aids in estimating borrowing capacity, while a mortgage offer comes with legal implications.
Obtaining an AIP typically has a minimal impact on your credit score, often involving a soft credit check.
While some lenders may perform a hard credit check during the AIP process, visible on your credit report, it’s essential to recognise that the mortgage application itself typically involves a hard credit check. Thus, limiting applications and pursuing an AIP when serious about a property purchase is advisable.
An AIP brings several benefits to the mortgage journey, offering clarity on borrowing capacity, helping streamline property selection, and potentially expediting the application process.
It can also enhance the likelihood of offer acceptance, as sellers and agents often favour buyers with an AIP, viewing it as a sign of commitment and active mortgage efforts.
Typically, obtaining an AIP is free of charge, representing a lender’s willingness to lend based on provided information. Our mortgage advisors in Leeds can facilitate your AIP at no cost; feel free to reach out for a complimentary mortgage appointment.
Rejection for an AIP doesn’t automatically translate to rejection for a full mortgage application.
Understanding the reasons for rejection, exploring alternative options, and refraining from multiple AIP applications are advisable practices. A mortgage broker in Leeds can play an important role in finding the right lender and guiding you through the process.
For first time buyers in Leeds or those moving home in Leeds, engaging with a mortgage broker like us for an AIP before making offers is strongly recommended.
Our experienced mortgage advisors in Leeds strive to provide an AIP within 24 hours, guiding you through every step of the mortgage journey. Book a free mortgage appointment to embark on your homebuying journey with a trusted mortgage broker in Leeds.
Let’s delve into the diverse world of mortgages for home buyers. The market offers a multitude of mortgage types, each possessing unique characteristics with accompanying advantages and drawbacks.
In this article, our focus centres on the tracker mortgage – examining its workings, potential benefits, and why it appeals to homebuyers.
It’s important to note that the suitability of a mortgage deal hinges on the specific circumstances it aligns with, making it essential to conduct thorough research and preparation beforehand.
As a trusted mortgage broker in Leeds with extensive experience, we consistently advocate for being well-prepared and seeking expert advice, especially for first time buyers exploring the property market in Leeds.
For further insights, you can explore our YouTube video on the same topic. Head over to our moneymanTV channel and watch “What is a Tracker Mortgage?” available on this page:
Now, let’s tackle the key question—what exactly is a tracker mortgage? When on a tracker mortgage, your interest rate mirrors the Bank of England’s base rate, with an additional percentage set by your lender.
It’s important to understand that your lender does not have control over this rate; it is externally determined and must be adhered to.
For instance, if the Bank of England’s base rate stands at 1%, your lender may add a fixed percentage, resulting in your interest rate consistently remaining slightly above the Bank of England’s rate.
The efficacy of a tracker mortgage is evident when the Bank of England’s rate is relatively low, typically hovering around 0-1%, subject to fluctuations throughout the year. Historical instances, such as the credit crunch in 2007-2008, saw the interest rate surge to around 5%.
Coupled with the lender’s added percentage, this could lead to a substantial 6% interest on monthly mortgage repayments.
Conversely, during the initial stages of the COVID-19 pandemic in March 2020, a significant drop in the Bank of England’s rate to 0.1% likely resulted in tracker mortgage holders enjoying a reduced 1.1% interest rate.
Securing a tracker mortgage during such periods, however, proves challenging, as lenders aim to strike a balance between profitability and risk.
The tracker mortgage’s appeal lies in its responsiveness to economic conditions. During periods of economic downturn with a high Bank of England rate, it may not be the most suitable option. Conversely, in a thriving economy with a low base rate, a tracker mortgage becomes an attractive choice.
Aspiring first time buyers in Leeds have a wide variety of mortgage options at their disposal. However, selecting the right one requires careful consideration of individual circumstances.
Before committing to any mortgage deal, seeking guidance from a trusted mortgage advisor in Leeds is highly recommended. They can navigate the market to identify the most competitive deals tailored to your specific financial situation.
For first time buyers in Leeds, our mortgage advice service proves invaluable. With over two decades of experience in the mortgage industry, we possess expert knowledge of various mortgage types, ensuring personalised guidance for those taking their first steps into homeownership.
Whether you’re a first time buyer, looking to remortgage, or planning to move home in Leeds, our dedicated and compassionate mortgage broker service accompanies you from the initial stages to the completion of your mortgage journey.
Read our 270 Reviews
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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
Contact
Follow Us
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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm