Mortgage Broker in Bradford

The amount you can borrow depends on your income, credit history, deposit, and outgoings.

Most lenders will offer between 4 and 4.5 times your annual salary, although this can vary based on your personal circumstances.

We’ll carry out a full affordability check and help you understand how lenders will assess your application before you start looking at properties.

The minimum deposit is usually 5 percent of the property value. So for a £150,000 home, you’d need at least £7,500. Putting down a bigger deposit may help you secure a better rate.

Some customers also get help from family with a gifted deposit. We’ll explain what’s acceptable and what documentation you’ll need.

Yes, it’s possible. We work with lenders who specialise in helping people with credit issues, including missed payments, defaults or CCJs.

The severity and age of the issue matters, as well as how your finances look now. We’ll check your credit report and match you with lenders who are open to different credit backgrounds.

It starts with a free appointment with one of our mortgage advisors. We’ll gather details about your income, deposit and what you’re hoping to do.

Then search for a mortgage that fits your needs and help you prepare your application. Once it’s submitted, we’ll keep you updated every step of the way.

You’ll usually need ID, proof of address, recent bank statements, and evidence of income. If you’re employed, that means payslips and a P60.

For self-employed applicants, we’ll need SA302s or tax returns and business accounts. We’ll provide a personalised checklist to make the process easier.

Yes. Many self-employed customers secure mortgages every year. Lenders will look at your income history, usually over the past one or two years.

Whether you’re a sole trader, limited company director or contractor, we’ll help you present your earnings clearly and find a lender who understands self-employed income.

A Mortgage in Principle (MIP), or Decision in Principle, is an indication of how much a lender is willing to let you borrow. It’s based on a soft credit check and your basic financial details.

It’s not a full mortgage offer, but it shows estate agents and sellers that you’re serious and ready to proceed.

It begins with a free appointment to understand your situation. Next, we get you a Mortgage in Principle. Once you’ve had an offer accepted on a property, we submit your full application.

The lender assesses it, completes a valuation and, if everything checks out, issues a formal mortgage offer. Then it’s time to complete the purchase and collect the keys.

A fixed-rate mortgage gives you consistent monthly payments for a set period. A variable rate can go up or down depending on the market.

We’ll help you weigh up which one works best for your circumstances, based on how long you plan to stay in the property and how comfortable you are with possible changes in interest rates.

A mortgage advisor gives you access to more deals than most people can find on their own. We’ll search a wide range of lenders and help with paperwork, affordability checks, and applications.

You’ll also get ongoing support from someone who knows your case and the Bradford market inside out.

This is called porting. Many lenders allow you to take your mortgage with you when you move. You’ll need to reapply, and if you’re borrowing more, it may be split into two parts.

We’ll explain whether porting is an option and whether it’s the best route for your next home.

They look at your income, outgoings, existing credit commitments, and even lifestyle costs. This includes things like childcare, travel and entertainment.

The goal is to ensure the mortgage is affordable for you both now and in the future. We’ll help you prepare for this assessment.

Yes. Many buyers use gifted deposits from family. Some government-backed schemes also help reduce how much you need to save.

You’ll need to consider valuation fees, solicitor costs, potential lender fees and a broker fee. Stamp duty may apply depending on the purchase price.

We’ll explain every cost clearly upfront, so there are no surprises.

Yes. Banks only offer their own products, but we work with a wide range of lenders including many that deal with more complex cases.

If you’ve been declined, we’ll review why and help find an alternative route that works for you.

Yes. Remortgaging can allow you to release equity from your home for home improvements, debt consolidation, or even to help family.

We’ll review your current mortgage and compare it with what’s available now to help you decide if this is the right move.

Absolutely. Later life mortgages are available for borrowers in their 50s, 60s and beyond.

These include standard residential mortgages, retirement interest-only and equity release products.

Yes. Lenders assess buy to let differently, usually based on expected rental income. You’ll need a bigger deposit, typically around 20 to 25 percent.

We’ll help you understand the tax, legal and mortgage requirements whether you’re a first-time landlord or experienced investor.

A bridging loan is a short-term finance option. It’s used when you need to buy before you sell, or to secure a property quickly, such as at auction.

We’ll explain the process, costs and risks, and help you apply if it’s the right solution.

From the moment your application is submitted, it usually takes 2 to 4 weeks for a lender to issue a mortgage offer.

We’ll keep everything moving smoothly and provide regular updates, so you’re never left in the dark about what’s happening.