Mortgage Broker in Huddersfield
Mortgage Advice in Huddersfield
Book Your Free Mortgage Appointment Online
Read our 224 Reviews
As an expert mortgage broker in Huddersfield, we use both our extensive experience & knowledge<\strong> to help customers on their mortgage journey.
For your FREE mortgage consultation in Huddersfield call 0113 8272 263 or book online.
Book OnlineFor your FREE mortgage consultation in Huddersfield call 0113 8272 263 or book online.
As an expert mortgage broker in Huddersfield, we use both our extensive experience & knowledge<\strong> to help customers on their mortgage journey.
Book Online4.98 Rating224 Reviews
Matthew
Our advisor Matt Collinson has been so helpful and a pleasure to deal with. I would definitely recommend him.
2 days ago
Lauren
Wayne was great throughout. Understood our needs really well and catered to when we were free to chat. Followed up and finalized with his colleagues who were really helpful and it’s really such a friendly team. Couldn’t fault the service at all...
1 week ago
Soney
I have been in my current house for 6 years and have always relied on Leedsmoneyman to deal with my mortgage renewal, etc. We will always use Leedsmoneyman for our mortgage needs and highly recommend them to anyone thinking of applying for a...
2 weeks ago
Andie
Absolutely fantastic service from both Chris and Lizzi!! Always responded quickly and answered all our questions. Wouldn’t go to anyone else now.
3 weeks ago
Jessie
Jason and Paula were really helpful all the way through my mortgage application process. Jason answered my questions in detail and promptly. I would definitely recommend and use them again.
1 month ago
Anonymous
Super helpful - as a first time buyer I had no clue about the ins and outs of getting a mortgage but Jason made sure to help me understand the process as well as get me a great deal.
1 month ago
Anonymous
Daniel was super helpful with our remortgage and did everything he could to secure us the lowest rate possible at a time rates are going up so fast!
2 months ago
Michael
We definitely chose the right company to handle our case. They were very professional and efficient and everything went through smoothly. We were delighted with the ongoing service we received up to completion and the icing on the cake is they will...
2 months ago
James
Excellent service from all involved once again. Everything was explained fully at all stages and the whole process was smooth sailing.
2 months ago
Anonymous
Would highly recommend Leedsmoneyman. The service was really great, everyone we spoke with was very responsive and helpful with any questions or queries. It really made the whole process a lot easier and less scary for us as first time buyers.
3 months ago
Anonymous
Really helpful for me and my partner being first time buyers, explained all the ins and outs and helped us get a great deal.
3 months ago
Melanie
Cannot recommend Daniel enough. He was efficient and professional while dealing with my change of mortgage.
5 months ago
Lisa
Very professional & friendly service, I had a very complex case & really didn't think I'd be able to secure a mortgage. Dinah went through every step in a way I could understand & was there anytime I needed to ask anything. I will definitely be...
5 months ago
Connor
Dan was a fantastic help, and gave some grand advice. Very glad I had the chance to contact him!
5 months 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 months ago
Anonymous
Great service. Very efficient and friendly.
6 months 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.
8 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%...
10 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...
10 months ago
Stephen
How can I say anything other than brilliant my best choice.
11 months ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Huddersfield
Welcome to our page for dedicated Mortgage Advice in Leeds & Huddersfield. As a mortgage broker in Huddersfield, we aim to utilise over 20 years of experience working in the industry to help guide you through the entire mortgage process. We have built a fantastic reputation by helping many homeowners and home buyers fulfil their mortgage dreams with the help of our excellent mortgage advisors in Huddersfield.
You may be a first time buyer, home mover or local landlord looking to build your portfolio by investing in a buy to let/let to buy property, either way, our mortgage advisors in Huddersfield are here to help! We are proud to provide a 5 star service and work hard in taking as much stress as possible, helping you overcome any hurdles that you may encounter.
Furthermore, our team will look through our large panel of lenders to find the perfect product to recommend to you. Our expert mortgage advisor in Huddersfield will have access to a number of high street and specialist products and will try and find you the one that is suitable for your situation. Having over 20 years of experience means you can rest assured that we can find you the most suitable mortgage deal.
For those who feel their situation is too complex for mortgage advice in Huddersfield, it is still more than likely that we have come across or helped a customer in the past with a similar situation. Therefore, please get in touch to book your free mortgage appointment! We understand it can be a challenge to go through your mortgage application if you have a challenging situation which is why we are here to provide a helping hand to overcome any hurdles.
Popular Mortgage Scenarios in Huddersfield
First Time Buyer in Huddersfield
A common question we get from first time buyers is how much can they borrow for a mortgage in Huddersfield. This can be answered through an affordability assessment carried by a mortgage advisor in Huddersfield which will involve them asking you to provide documents to evidence your income like bank statements, payslips etc. As well as this, they will look into your credit report, credit rating and other documentation to check that you qualify for getting a mortgage in Huddersfield.
It’s then time for our team to search through 1000’s of mortgage deals to find the one that is appropriate for your situation. As a responsive mortgage broker in Huddersfield, we can obtain an Agreement in Principle for you 24 hours after attending your free mortgage appointment. This document is a helpful tool to have when you are interested in making an offer on a property.
Moving Home in Huddersfield
Many people look to move home as they are in need of a bugger property or the opposite. One thing to keep in mind is that the moving home process can be complicated as it will involve you selling and buying your home simultaneously making it quite stressful to manage. Along with this, you will need to sort out the mortgage aspectsand check if you port your current mortgage onto the new property, or need take out a brand new one instead.
Our team can help you make decisions like these and provide you with the best options based on your financial and personal situation. We do recommend that you check your affordability before taking viewings and making offers. If you are in need of support with budgeting, finding out your maximum borrowing capacity, and how much your repayments will be, please don’t hesitate to get in touch.
Remortgage in Huddersfield
If you are coming to the end of your fixed mortgage term, you will then need to start exploring your remortgage options. The process involves switching to another mortgage deal in order to reduce the risk of falling onto your lender’s standard variable rate of interest. Our remortgage advisors in Huddersfield will help you find competitive rates and products in the market. In the case where you have kept up with your repayments, you may find that you have competitive rates available to you.
Along with finding you a better deal, you may be able to remortgage to fund home improvements, releasing equity, or consolidating debt into their mortgage.
Buy to Let in Huddersfield
Our mortgage advice service has helped many new and existing buy to let mortgage landlords. We have built strong relationships with many landlords in Huddersfield. Usually, a buy to let mortgage in Huddersfield, you will need to have a 20%-40% depending on your existing portfolio and credit score. During your free buy to let mortgage appointment in Huddersfield, our team will perform creditability and affordability.
We have a range of buy to let mortgage options on offer including HMO, holiday let, let to buy. Our mortgage advisor in Huddersfield can help with exploring your Buy to Let options and find the most appropriate mortgage for you.
Please note that the Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.
Mortgages for over 50’s and Equity Release in Huddersfield
In the case where you are over the age 55 and meet certain criteria, like property value, you may want to look into exploring your options for equity release in Huddersfield.
You can get an equity release in Huddersfield through either a home reversion plan or more commonly, a lifetime mortgage in Huddersfield. Furthermore, if you’re over 50, there are alternative mortgage options available to you as you go into later life like retirement interest-only (RIO), term interest-only (TIO) mortgages, regular mortgages and remortgages in Huddersfield.
Mortgage for over 50s do fall into a specialist category especially if you are looking at equity release. This is why it’s important to contact an expert mortgage broker in Huddersfield to understand your options. Our team always look into alternative options before considering equity release in Huddersfield.
To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.
A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.
A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.
Our Simple 4-Step Process in Huddersfield
Our modern online booking process makes speaking to a mortgage advisor in Huddersfield simple. You can speak to one of our mortgage advisors in Huddersfield at a date and time that suits you (subject to availability). To further understand your situation, you will be asked some questions about your financial background and what you are looking to achieve.
Utilising the information they have collated from you, our team will search 1000’s of deals to find you a product that is in line with your mortgage goals as well as provide the appropriate mortgage advice in Huddersfield you need.
Your mortgage advisor in Huddersfield can arrange an Agreement in Principle for you around 24 hours after your free mortgage appointment.
Here at Leedsmoneyman, we strive in offering responsive and professional customer service. When your mortgage application has been submitted to the lender, our team keep you informed throughout the process and answer any questions you may have.
Reason to Choose Us
With over 20 years of experience and knowledge under our belts, we have had the opportunity to help customers in a variety of situations and different mortgage goals. These can be the most straightforward of cases or more complex situations. Therefore, getting in touch with us as your friendly mortgage broker in Leeds can be beneficial regardless of your situation. We go the extra mile for our customers which is strongly shown in our customer’s reviews.
Our mortgage advisors in Huddersfield work hard in supporting you throughout your entire mortgage journey. We understand the process can be daunting which is why we are here to provide a helping hand and answer any questions you may have on the way. To kickstart your mortgage journey, book your mortgage appointment today!
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 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 Huddersfield on Social Media
We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website daily, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we still have someone monitoring the messages ready to respond if needed.
Stress-Free Remortgage Advice in Huddersfield
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
When intending to make a deposit for a property in Huddersfield, the majority of high street lenders typically require a minimum of 5%. However, depending on your specific circumstances, such as any previous credit concerns, some lenders may request a higher deposit amount.
A complimentary mortgage consultation with a mortgage advisor in Huddersfield usually lasts for approximately 30 minutes.
After assessing your situation, the mortgage advisor will offer unbiased mortgage advice without any pressure or obligation to proceed further.
Based on the advice given, you can make an informed decision on whether or not to proceed with the mortgage process.
To assess your creditworthiness and determine your eligibility for a mortgage in Huddersfield, it is recommended that you obtain an agreement in principle before you start viewing properties.
It is advisable to obtain this agreement before making an offer, preferably at the earliest stage possible. Doing so will enhance your negotiating position and show the seller that you are ready to proceed if your offer is accepted. Typically, we can obtain an agreement in principle within 24 hours.
If you are an employee, typically you will need to submit three pay slips as evidence of your income. However, if you are self-employed in Huddersfield, you will usually be asked to provide your most recent two years’ accounts, along with proof of identification, address, and three months’ worth of bank statements.
Typically, our initial mortgage consultation is complimentary and lasts approximately 30 minutes. As a seasoned mortgage broker based in Huddersfield, we can usually secure an Agreement in Principle within 24 hours once we have gathered all the required information. In most cases, you can expect to receive a formal mortgage offer within three weeks.
Despite any previous credit issues you may have had, the good news is that you could still qualify for a mortgage in Huddersfield. However, it’s important to note that a higher deposit, typically ranging from 10% to 15% of the property purchase price, might be necessary.
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