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 Rating224 Reviews

Open and Honest Mortgage Advice in Chapel Allerton

At Leedsmoneyman, we have over 20 years experience in the mortgage industry, so we have the right knowledge to help you with your mortgage journey. We strive to provide a stress-free, top-level service for new and existing customers, treating each situation as an individual case and tailoring deals to financial circumstances.

Book a Free Mortgage Appointment

If you’d like to speak to one of our expert Mortgage Advisers in Chapel Allerton, you can book in for a free appointment. This will give us an insight into your current situation and what you want to achieve. We are flexible with our availability with appointments available on evenings and weekends.

Different Types of Mortgage Options in Chapel Allerton

There are many types of mortgages available in today’s market, so it’s essential to know which one you need to apply for. Below we have listed the most popular mortgage options in Chapel Allerton.

First Time Buyers in Chapel Allerton

For first time buyers, dealing with a mortgage for the first time with little knowledge or experience can be daunting. This is why having a Mortgage Advisor in Leeds by your side is so important. They can tell you the maximum amount you can borrow, as well as carrying out an affordability assessment. During the free mortgage appointment, you can ask any questions and get insight into anything you may be unsure about.

Moving Home in Chapel Allerton

If you’re looking into moving home in Chapel Allerton, you may have more insight into the mortgage process than a first time buyer. But this doesn’t mean you don’t need the help of a member of our team. Moving home can be a stressful process, so having our service by your side to find the most suitable deal while you focus on packing and selling your property, can be incredibly beneficial.

Buy to Let Mortgage in Chapel Allerton

We have built up a strong working relationship with many landlords over the years, and always advise them to use a Mortgage Broker in Leeds. Our large panel of lenders allows us to search thousands of buy to let mortgage deals to find the most suitable product for your circumstances. You will need to put down a 25-40% deposit.

Remortgaging in Chapel Allerton

If you’re coming to the end of your fixed mortgage term, this is a good time to explore your remortgage options. Many people forget to do this and end up paying the lender’s standard variable rate. We send out reminders to customers 6 months before their fixed term ends to encourage them to look into their options early. Our Remortgage Advisors in Chapel Allerton can help you find the most suitable deal for your situation.

Self Employed in Chapel Allerton

Self employed applicants in Leeds & Chapel Allerton often have to overcome the challenge of evidencing their income. Our team have a wealth of experience helping self employed applicants to achieve their mortgage goals. Your dedicated Mortgage Advisor will go through your case in detail to find you the most suitable product and guide you through the next steps.

Why Choose Leedsmoneyman?

Finding the right mortgage product can be a difficult process, especially when you have a busy lifestyle. Leedsmoneyman are here to provide fast and friendly services to help you find the most suitable and competitive mortgage for your situation.

Our Range of Services

Our Mortgage Advisors in Chapel Allerton have extensive experience with all types of mortgage situations. We offer a range of services, which can be found on our website.

Access to a Large Panel of Lenders

We have access to a large panel of lenders offering both high street and specialist products, meaning our team can search through 1000’s of deals to find the one that is most suitable for you.

Get in Touch

Get in touch with Leedsmoneyman if you are looking for help with your mortgage journey. Our team of Mortgage Advisors in Leeds & Chapel Allerton are here to provide fast and friendly advice to help you achieve your mortgage goals. Whether you are a first-time home buyer, looking to move, or a current or new landlord, we are here to provide support.

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 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.

Malcolm's
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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

© 2023 Leedsmoneyman

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

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