Mortgage Broker in Bradford | Mortgage Advice Bradford

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With over 20 years of experience within the mortgage sector, it's our job to provide you with our full help and guidance throughout the whole of your mortgage journey in Bradford.

Give us a call: 0113 8272 263

Book a Free Consultation

Give us a call: 0113 8272 263

Malcoms Image

With over 20 years of experience within the mortgage sector, it's our job to provide you with our full help and guidance throughout the whole of your mortgage journey in Bradford.

Book a Free Consultation

Mortgage advice
your way

First Time Buyer


Buy to Let

Right to Buy

Self Employed

Help to Buy


Reviews Stars4.98 Rating224 Reviews

Mortgage Broker in Bradford

As a mortgage broker in Bradford, we are here to guide you through the entire mortgage process, from start to finish.


Here at Leedsmoneyman, our goal is to make the process as stress-free as possible by taking care of all the challenges that come with obtaining a mortgage.


Our team of dedicated mortgage advisors in Bradford have helped many homeowners and home buyers achieve their mortgage goals.


Whether you are a first time buyer in Bradford, home mover in Bradford, or local landlord looking to invest in a buy to let in Bradford, our mortgage advisors in Bradford are knowledgeable in all things mortgage related and strive for achieving mortgage success.


We aim to provide a 5-star service to remove as much stress as possible and help you overcome any hurdles you may face along the way.


Our mortgage advisors in Bradford will look at thousands of mortgage products before recommending one that matches your personal and financial situation.


With access to many high street and specialist products, we will do our best to find the most suitable mortgage deal for you.


With over 20 years of experience and knowledge, we have encountered various personal scenarios in the past and have helped customers overcome similar situations.


If your situation isn’t listed on our website, don’t hesitate to get in touch to book a free mortgage appointment.


We understand how hard it can be to navigate the mortgage application process when faced with obscure problems, which is why we are here to offer a helping hand and get over these hurdles together.

First Time Buyer in Bradford

Our team of mortgage advisors in Bradford can help you to figure out the maximum amount you can borrow for a mortgage.


Your dedicated mortgage advisor in Bradford will perform an affordability assessment that involves reviewing your income-related documents, such as bank statements and payslips, to make sure that you qualify for a mortgage in Bradford.


Additionally, they will assess your credit report, credit rating, and other documentation to ensure that you meet the necessary qualifications.


After assessing your financial situation, our team will search through thousands of mortgage deals to identify the one that is most suitable for you.


As a fast and friendly mortgage broker in Bradford, we can also help you to obtain an agreement in principle within 24 hours of your free initial mortgage appointment.


An agreement in principle is essential for making an offer on a property that you are interested in.

Moving Home in Bradford

If you’re considering moving to a larger or smaller property, there are a few things to consider that can have an effect on your decision-making process.


Firstly, selling and buying a home at the same time can be a challenging experience that requires careful planning.


Secondly, you’ll need to deal with mortgage aspects and determine whether you can port your current mortgage onto the new property or need to apply for a new one.


To simplify this process, our team of mortgage advisors in Bradford can provide expert guidance and help you make informed decisions based on your financial and personal circumstances.


By assessing your affordability and budgeting needs, we can help you determine the maximum amount you can borrow for a mortgage and estimate your monthly repayments.


This will allow you to plan your move more effectively and make offers with greater confidence.

Remortgage in Bradford

As the end of your fixed mortgage term approaches, it’s important to start considering your options for remortgaging in Bradford.


This typically involves switching to a new mortgage deal to avoid being placed on your mortgage lender’s standard variable rate of interest, which is often higher.


Our team of remortgage advisors in Bradford can help you find competitive rates and products available in the market.


If you have kept up with your repayments, you may be eligible for some of the most competitive rates available.


In addition to securing a better deal, many individuals choose to remortgage to finance home improvements, release equity, or consolidate their debts into their mortgage.

Buy to Let in Bradford

If you are a new or existing buy to let landlord seeking mortgage advice in Bradford, our service is tailored to suit your needs.


We have grown strong relationships with numerous local landlords in Bradford, thanks to our transparent approach.


During your free mortgage appointment with our buy to let mortgage advisors in Bradford, we will conduct credibility and affordability assessments to determine your eligibility.


Typically, a 20-40% deposit is required for a buy to let property in Bradford, depending on your credit score and existing portfolio.


We provide a wide variety of options for buy to let mortgages in Bradford, including HMO, holiday let, and let to buy.


Our mortgage advisors in Bradford can help you in exploring your buy to let options and finding the ideal mortgage for your situation.


Please note that the Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

Mortgages for over 50’s and Equity Release in Bradford

If you’re a homeowner aged 55 and above who meets specific criteria, such as property value, it’s worth exploring your options for equity release in Bradford.


You can obtain equity release in Bradford through a home reversion plan or, more commonly, a lifetime mortgage.


As you approach later life, other mortgage options may also be available to you if you’re over 50, including retirement interest-only (RIO) mortgages, term interest-only (TIO) mortgages, hybrid mortgages, standard mortgages, and remortgages in Bradford.


That being said, mortgages for individuals over 50, especially equity release, are highly specialised areas, and it’s essential to consult a qualified and professional mortgage broker in Bradford to understand your options.


At our brokerage, we always explore alternative options before considering equity release in Bradford.


To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.


A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.


A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.

Bank v Broker

Why choose us as your mortgage broker in Bradford?

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 Leeds & 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!


Customer Service

It’s not just about the mortgage… it’s about the journey

We take great pride in our customer service; from responsiveness to transparent Mortgage Advice in Leeds & 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.


We search 1000's of mortgage deals across a large number of lenders, including:

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Free Mortgage Consultation

Get in touch with us and we will arrange your free mortgage consultation with a specialist mortgage advisor in Leeds.

5-Star Reviews

Take a look at our 5-Star Reviews. We love it when our customers feed back the experience that they had with us.

7 Days a Week

We operate during out of office house so that you can call us at time best suited to your personal circumstances.

Common mortgage questions

Our free initial mortgage consultation can roughly last up to 30 mins. 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 30 mins. 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.

mortgage guides

What Does Remortgage in Leeds Mean?

Taking a look at what remortgage in Leeds means, what defines a remortgage in Leeds & the reasons that people may remortgage in Leeds.

Do You Need a Deposit to Remortgage in Leeds?

A look at whether or not you need a deposit if you are looking to take out a remortgage in Leeds on your property and what to consider. & 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: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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Leedsmoneyman, Wizu Workspace, 32 Park Cross Street, Leeds, LS1 2QH.

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