As a mortgage broker in Bradford, our job is to provide our full support and guidance through the whole mortgage process. As soon as you are in contact with our team, you’ll be in safe hands.
You’ll also be able to benefit from a free mortgage consultation with us – no matter your mortgage situation.
1 – You get in touch and we get you booked in for your free mortgage consultation.
2 – You undergo your free mortgage consultation with your own dedicated mortgage advisor in Bradford. They will get some more information from you regarding your mortgage situation. This will help them find the perfect more deal for you.
3 – Your advisor will do their best to find you a competitive mortgage product. If they find one that you like and you want to continue with us, then we can start preparing your mortgage application.
4 – If you haven’t already found a property that you want to make an offer on, it’s now time to go and find one! If you’ve already had your offer accepted, it’s now time to submit your application and wait for the lender’s response. We will keep you up-to-date with the progress of your application once submitted; a formal offer can usually take around 3 weeks.
Our job isn’t complete without you feeling 100% satisfied with your experience. That’s why we try to do everything we can to make your mortgage journey as memorable as possible.
In Bradford, we work mornings, evenings and during late business hours so that you can contact us at a time you’re most suited to. We want you to feel comfortable and secure at all times whilst communicating with us.
Get in touch at a time that suits you. Book your free mortgage consultation today.
More often than not, we get applicants who have recently been declined by their bank and need expert help. A bank only has access to their own in-house products, whereas, a mortgage broker in Bradford like us has access to 1000’s of competitive mortgage deals, with some being more specialist than banks and building societies.
Our responsive team, also work to ensure that you get to speak with a mortgage advisor in Bradford as soon as possible during the process. This means that you aren’t held up in a queue to speak to someone, you get to talk right away!
Our responsive team, also work to ensure that you get to speak with a mortgage advisor in Bradford as soon as possible during the process. This means that you aren’t held up in a queue waiting to speak with someone, you get to talk right away!
We take great pride in our customer service; from responsiveness to transparent mortgage advice in Bradford, we will always make you feel like you’ve been looked after throughout the whole of your journey.
Take a look at our brilliant customer reviews. You may find someone who was in the same situation as you are now.
Get in touch with us and we will arrange your free mortgage consultation with a specialist mortgage advisor in Leeds.
Take a look at our 5-Star Reviews. We love it when our customers feed back the experience that they had with us.
We operate during out of office house so that you can call us at time best suited to your personal circumstances.
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.