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Mortgage Broker In Garforth

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"Book your free mortgage appointment online and speak with me or one of our knowledgeable mortgage advisors in Garforth today."

Book Online for your FREE mortgage appointment with a mortgage advisor in Garforth.

Book Online

Book Online for your FREE mortgage appointment with a mortgage advisor in Garforth.

Malcoms Image

"Book your free mortgage appointment online and speak with me or one of our knowledgeable mortgage advisors in Garforth today."

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.98 Rating197 Reviews

Providing Mortgage Advice in Garforth

If you are looking for help on your obtaining a mortgage in Garforth, you have come to the right place! Welcome to the page of a fast & friendly Mortgage Broker in Garforth. Utilising our 20 plus years in the mortgage industry, we can help you throughout the mortgage journey. We have helped many different customers with varying mortgage situations so please don’t hesitate to get in touch.

 

When you get in touch with our team, we will ask for more detail about your mortgage situation. From this, we will then book you a free appointment with an expert Mortgage Advisor in Garforth. Another option is to book your appointment online through our ‘book online’ process where you can choose a date and time that best fits your situation. We have appointments available 7 days a week from early until late.

 

Here at Leedsmoneyman, our overall goal is to help you through the mortgage process by providing a simple and stress-free service. We will get you through the process of finding you a suitable mortgage product that’s both competitive and appropriate to your personal and financial state.

Your Mortgage Options in Garforth

We have all kinds of mortgage options on offer, however, below are the most popular in Garforth.

First Time Buyer Mortgages in Garforth

Starting the mortgage process as a First Time Buyer in Garforth can be daunting. You might not know where or how to start, this is when we can help. If you are wondering how much you will be able to borrow for your first mortgage and are wondering if you are able to evidence this affordability.

 

Your first mortgage appointment with an expert Mortgage Advisor in Garforth will give you the chance to ask as many questions as you want. This can give you the chance to learn about things that you may not have a lot of knowledge of too.

Moving Home Mortgages in Garforth

As a Moving Home applicant, you may have a lot more knowledge of the mortgage process compared to a First Time Buyer in Garforth. Despite you going through the mortgage process before, seeking Mortgage Advice in Leeds & Garforth would still benefit you.

 

Here at Leedsmoneyman, our expert team works hard to find you a brilliant mortgage deal that is fitting for your new home and can help with the mortgage aspect of the process. This gives you time to go through the process of selling your current property. One factor of the Moving Home process that can be challenging is buying and selling at the same time.

Buy to Let Mortgages in Garforth

If you are a Buy to Let landlord, having a Mortgage Broker help you through the process could be a huge benefit. For over 20 years, we have dealt with many Buy to Let landlords in Leeds and the surrounding areas building up extensive experience and close customer relationships.

 

Our job is to look through the Buy to Let mortgage products that are offered to us by our large panel of lenders. We will look through these deals with the goal of finding you the deal that is fitting for your personal and financial circumstances. To obtain a Buy to Let property, you will be required to provide a 25%-40% deposit and be able to manage two of mortgage payments each month. Our team will carry out an affordability assessment to determine if you are able to take out a Buy to Let mortgage.

Remortgaging in Garforth

If you are coming to the end of your fixed mortgage term, it’s time to Remortgage! The two most common things people do around this time are either forget to remortgage or find they don’t have time to look for a new product. Doing this can result in you being placed on the lender’s standard variable rate which could mean your monthly mortgage payments would increase.

 

Having a Mortgage Broker with you in the process means we can try and find you a better deal so you don’t have to! Our Remortgage Advisors in Garforth are professional in finding the best deal for your mortgage circumstances and with years of experience in this, we know where to look and which deal would suit you.

 

In the circumstance that you are Self Employed in Garforth, the process is very similar to the other mortgage types. One factor that differentiates them though is that you are required to provide more evidence to support your income. During your mortgage appointment, your allocated Mortgage Advisor in Garforth will go through these details with you.

Leedsmoneyman – Mortgage Broker in Garforth

We pride ourselves in providing a responsive and honest service by always being transparent to our customers. This means that your dedicated Mortgage Advisor in Garforth will work hard in finding you a product that is competitive and is fitting for your personal and financial circumstances. Sometimes, they won’t be a better product for you out there so they will be honest with you and recommend you stick to the product that you already have in place.

 

With our book online system, you don’t have to wait around for an appointment. We have availability 7 days a week which means you can choose a date that is appropriate for your personal and working life.

 

Through the years, our Mortgage Advisors in Leeds & Garforth have dealt with every mortgage situation. We have helped customers with varying mortgage goals so take a look at more of the services we offer across our website.

 

Our team can search thousands of deals and products to find the perfect deal for your circumstances. With a large panel of lenders available to us with both specialist and high street products, we are here to find you the best one!

 

Our Simple 4-Step Process

Book online or get in touch to book your free mortgage appointment. This can give your allocated Mortgage Advisor in Garforth a rough idea of your mortgage situation.

 

Within this appointment, your advisor will look at your mortgage situation and see what deals we can recommend for you by searching through 1000s of different products.

 

Once you have agreed with the recommendation provided and you want to proceed, it’s then time to prepare your mortgage application.

 

Finally, it’s time to submit your mortgage application.

 

Our 4 step process is all part of the fast & friendly advice service we provide.

Have you been declined by your bank?

It’s common for customers to approach Leedsmoneyman after being declined by their bank. If your application is declined, it’s best that you steer away from applying to other banks as this will have a detrimental effect on your credit score if you get declined again.

 

There could be a number of reasons as to why you have got declined. You could be applying for the wrong product or it may be more complicated than that. If this is the case, you should get in contact with our team and see how we can help you with this.

 

Our team are here to provide a helping hand throughout your mortgage journey.

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 Garforth 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 Garforth

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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