"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 OnlineBook Online for your FREE mortgage appointment with a mortgage advisor in Garforth.
"Book your free mortgage appointment online and speak with me or one of our knowledgeable mortgage advisors in Garforth today."
Book Online
4.98 Rating211 Reviews
Connor
Dan was a fantastic help, and gave some grand advice. Very glad I had the chance to contact him!
11 hours ago
Michael
Charlie had excellent and prompt communication and was supportive especially when a problem came up (not UK Moneyman's fault). Would definitely recommend.
6 days ago
Anonymous
Great service. Very efficient and friendly.
1 week ago
Samantha
They have been incredibly helpful every step of the way and there has always been someone available to speak to us, both during the week and at weekends. I highly recommend them and cannot fault them at all.
2 months ago
Saffron
UK Money Man have been incredible throughout the entire process. We worked with Matt & Lyndsey who have been faultless. We are first time buyers so are very new to the process but they made it stress-free from beginning to end. I would 100%...
4 months ago
Sashiddharan
My advisor is very prompt in replying to messages and will reply as soon as he is available. He discussed the mortgage with me and provide decision, on how to proceed. In my last application he was working late night to submit the applicaiton. I...
4 months ago
Stephen
How can I say anything other than brilliant my best choice.
5 months ago
Anonymous
Excellent advice
6 months ago
Tara
My partner and I used UK Moneyman in order to secure our mortgage. Both Ryan Coulson and Meghan Robinson were extremely knowledgeable and provided exemplary advice/guidance throughout the application process. They always provided swift responses to...
6 months ago
Victoria
The service was absolutely wonderful, everyone I spoke to was lovely and very helpful. I was kept up to date throughout the process. Would recommend.
7 months ago
Philippa
Malcolm and his team were brilliant when helping us secure a mortgage. As first time buyers, we did not know much about the process, but Malcolm and his team put us at ease, answered all of our questions and supported us every step of the way....
7 months ago
Anonymous
Dinah Harros and Meghan Robinson were very helpful to find a competitive mortgage deal. They were able to provide good advice regarding the market and ensured we kept informed of the progress. When there was issues they were able to react quickly...
8 months ago
angeline
Very professional and always go the extra mile. Thank you Chris and Anna.
8 months ago
Anonymous
It was a great service and we're really happy with the offer they helped us secure. Daniel was very helpful and Louise sorted everything very quickly for us. This is the second time we've used Leedsmoneyman for mortgages and we've...
9 months ago
Lucy
Ryan and Meghan couldn’t have been more helpful they made the process clear and stress free from start to finish.
9 months ago
Emma
Our entire experience with Leeds Moneyman has been fantastic, as first-time buyers this was all new to us and Dinah and Louise were such a great help along the way explaining the process in detail. They went above and beyond to secure us a mortgage...
10 months ago
Victoria
First Class Service, Both Louise and Charlie were always available to assist us in our remortgage. The are both very professional and dealt with any queries we had. We would have no hesitation in recomending them. Thank you.
10 months ago
Charmaine
Overall an excellent service and an experienced team. They covered all the basics and answered all our questions in a friendly way for first-time buyers. We really can't thank Wayne and Meghan enough.
10 months ago
Kim
The best customer service I have ever received from all staff members. Kayleigh who looked after my account was certainly the most authentic and approachable person i have come across in a long time, her willingness to help and go the extra mile is...
10 months ago
David
My dealings with Charlie, Meghan and the whole team were exceptional. They made the progress less daunting, provided clear and friendly advice/guidance and always responded promptly to any questions or concerns I had. They secured my loan and I...
10 months ago
- Mortgage Advice
- Why Us?
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:
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.Â
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.Â
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.Â
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.Â
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.Â
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.Â
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.Â
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.
Handy quick links
Malcolm's
mortgage guides
