If you are seeking mortgage advice in Halifax, then you’ve come to the right place!
We are a responsive mortgage broker in Halifax with over 20 years of mortgage experience. So don’t hesitate if you have a mortgage scenario, then we would like to help.
So get in touch today and receive your free mortgage consultation with an expert mortgage advisor in Halifax today
1. You get in touch and speak to one of our customer care team in Halifax.
2. Book you in for your free mortgage consultation.
3. Your Mortgage Advisor in Halifax learns more about your individual situation.
4. Your Mortgage Advisor in Halifax will try to find you the most suitable mortgage deal whilst you find the perfect home!
Customers are the heart of this company, which is why we always strive for customer satisfaction, check out our fantastic customer reviews to see how we helped them through their mortgage process.
We want to help you from the point of enquiry through to your mortgage application submission! Our whole team will look after you from start to finish.
–We aren’t tied to any particular estate agent or building society; therefore, we are accessible to 1000s of products through all of our lenders.
–We have Mortgage Advisors in Halifax who specialise in all different types of mortgage scenarios. No situation is too tough to take on!
–Our team have your best interests at heart, meaning that you’ll always receive open and honest mortgage advice in Halifax. We’re transparent with you 100% of the time.
–We take care of you from start to finish Our glowing reviews showcase this!
As a responsive Mortgage Broker in Halifax, we work 7 days a week so that you can get in touch at a time that works for you.
Once you get in touch, we will start to get underway with the mortgage process. Despite most applicants thinking that the process can be daunting, it’s not!
Especially when you choose a fast and friendly Mortgage Broker in Halifax like ourselves. We know how to save your time and your money.
The main difference between a bank and a broker is that a bank can only offer you their own in-house mortgage deals whereas a Mortgage Broker in Halifax like us, can access products from our panel of over 30 lenders. We'll only try and find you a deal that is perfect for your personal and financial mortgage situation.
Once you get in touch with our Mortgage Advisors in Leeds, we will get you booked in for a free mortgage consultation. This will last around 30-minutes, during this time, your Mortgage Advisor in Halifax will get to learn a little more about your mortgage needs and situation.
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.