Mortgage Broker in Chapel Allerton | Mortgage Advice Chapel Allerton

Mortgage Broker In Chapel Allerton

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Mortgage Advice in Chapel Allerton - We have experience with every type of mortgage, let us help you through your journey.

For your FREE mortgage consultation in Chapel Allerton call 0113 8272 263 or book online.

Book Online

For your FREE mortgage consultation in Chapel Allerton call 0113 8272 263 or book online.

Malcoms Image

Mortgage Advice in Chapel Allerton - We have experience with every type of mortgage, let us help you through your journey.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Moving Home

Buy To Let

Right To Buy

Self Employed

Help To Buy

Specialist

Reviews Stars4.98 Rating206 Reviews

Open and Honest Mortgage Advice in Chapel Allerton

Having worked in the mortgage industry for over 20 years, we have the right experience to offer a helping hand in your mortgage journey – our team have had the chance to help customers with varying mortgage situations.

 

Whether you are looking for a purchase or remortgage deal – we will be with you every step of the way!

 

Here at Leedsmoneyman, we aim to give all new/ existing customers a stress-free and top-level service to help you achieve your mortgage goals. We do so by treating each customer’s situation as an isolated case, and by looking into your financial circumstances to find you the most suitable deal.

 

If you would like to speak with one of our expert Mortgage Advisors in Chapel Allerton, you can by booking yourself in for a free mortgage appointment, here our team can get more insight into your current situation and what you are looking to achieve.

 

We understand that each customer is entitled to their busy lifestyle, which is why we have adaptable availability with appointments available on evenings and weekends.

 

Different Types of Mortgage Options in Chapel Allerton

There are many types of mortgage available in today’s market and knowing which one you need to apply for is key if you want to get the most suitable deal for you. Below we listed the most popular mortgage options in Chapel Allerton.

 

First Time Buyer in Chapel Allerton

For first time buyers dealing with a mortgage for the very first time having little knowledge or experience might find the mortgage process a little bit daunting.

 

This is why having a Mortgage Advisor in Leeds by your side, you can begin your mortgage journey knowing that you are in safe hands throughout the entire process. They will be able to tell you the maximum amount you can borrow for your first mortgage as well as carry out an affordability assessment.

 

During your initial free mortgage appointment, you will be able to speak to your dedicated Mortgage Advisor in Chapel Allerton. This will give you the chance to ask any questions and get insight on anything you may be unsure about relating to mortgages.

 

Moving Home in Chapel Allerton

If you were looking into Moving Home in Chapel Allerton, you will likely have more insight into the mortgage process in comparison to a first time buyer.

 

Even though you have gone through the mortgage process before, it doesn’t mean you will benefit from the help of a member of our team. Moving Home can be a stressful process trying to balance the home buying process and selling process simultaneously, but this shouldn’t have to be the case.

 

The good news is that our hard-working team can help with finding you the most suitable deal for your situation. As well as, any other mortgage aspects while you focus on packing up your belongings and selling your current property.

 

Buy to Let Mortgage in Chapel Allerton

Over the years, we have built up a strong working relationship with many landlords. We advise all new or existing landlords to go to a Mortgage Broker in Leeds because having our service by your side will be very beneficial to help achieve your Buy to Let goals.

 

By utilising our large panel of lenders, we can search 1000’s of buy to let mortgage deals to find you the most suitable product for your circumstances. If you did not know already, you are required to put down a 25%-40% deposit.

 

Remortgaging in Chapel Allerton

If you are coming to the end of your fixed mortgage term, this is where you can explore your Remortgage options which is something many people forget to do which results in you being placed onto the lender’s standard variable rate.

 

If you approached us for your initial mortgage you will receive a reminder from us 6 months before your fixed term ends. We do this to encourage you to look into your options early to prevent you from going onto a lender’s standard variable rate.

 

Our Remortgage Advisors in Chapel Allerton can help find you the most suitable remortgage deal that matches your circumstances.

 

Self Employed in Chapel Allerton

One challenge that many self employed applicants in Leeds & Chapel Allerton has to overcome is evidencing your income. Our team have dealt with many self employed applicants to achieve their mortgage goal.

 

Your dedicated Mortgage Advisor in Chapel Allerton will go over your case in detail and will find you the most suitable mortgage product along with guiding the next steps to take. By doing this, you will likely go through the process successfully.

Why Choose Leedsmoneyman?

Providing a fast and friendly service to our customers is important to us, we want to provide you with the best options for your circumstance. With this in mind, we will look into finding you the most suitable mortgage product that is competitive and appropriate for your personal and financial circumstances., however, we will be honest with you if we feel you should stick with your current product.

 

We understand that everyone is entitled to have a busy personal and work lifestyles. This is why we have availability 7 days a week, you can book your free mortgage appointment at a time that fits you.

 

Our Mortgage Advisors in Chapel Allerton have extensive experience with every mortgage situation through working with customers with varying mortgage needs. Check out the range of services we offer on our website.

 

With access to a large panel of lenders offering both specialist and high street products, we can search through 1000’s of deals to find the most suitable one for your financial situation.

 

Contact your Mortgage Broker in Chapel Allerton

Get in touch with a Mortgage Broker in Leeds & Chapel Allerton if you are looking for a helping hand on your mortgage journey. Our team of Mortgage Advisors in Leeds are here to provide fast and friendly Mortgage Advice in Leeds & Chapel Allerton to help you achieve your mortgage goals.

 

Whether you are looking to buy your first home, wanting to move home, are a current or new landlord looking to obtain a Buy to Let mortgage, or are just looking to obtain Mortgage Advice in Chapel Allerton, our team are here to provide support in any way they can.

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

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About Us

We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!

Find Your Mortgage Broker in Chapel Allerton on Social Media

We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.

Stress-Free Remortgage Advice in Chapel Allerton

You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.

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.

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: 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 www.register.fca.org.uk

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
www.financial-ombudsman.org.uk

© 2022 Leedsmoneyman

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

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