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Mortgage Broker in Huddersfield

Book your own mortgage appointment online!

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

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Mortgage Advice in Huddersfield - We have experience with every type of mortgage, let us help you through your journey.

For your FREE mortgage consultation in Huddersfield call 0113 8272 263 or Book an appointment online.

Book Online

For your FREE mortgage consultation in Huddersfield call 0113 8272 263 or Book an appointment online.

Malcoms Image

Mortgage Advice in Huddersfield - 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

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Open & Honest Mortgage Advice in Huddersfield

Welcome to our page for dedicated Mortgage Advice in Huddersfield. As a mortgage Huddersfield, we aim to utilise over 20 years of experience working in the industry to help guide you through the entire mortgage process.

 

We are here to save you time, money and advise you on the most appropriate mortgage deal tailored to your circumstances.

 

We understand that the mortgage process can be frustrating, especially if it’s your first encounter with it. It’s our job to step in and help you through the process.

All situations considered

As a mortgage broker in Huddersfield with a vast amount of industry knowledge, we are able to work with all different kinds of mortgage situations. First time buyer? Moving Home? Remortgage? We are here to help no matter your situation!

 

We also offer a free mortgage appointment to every

 

We understand that the mortgage process can be frustrating, especially if it’s your first encounter with it. It’s our job to step in and help you through the process.

Bank vs Broker

A mortgage broker in Huddersfield like us always has your best interests at heart, we will be transparent with you 100% of the time.

 

Also, we will not make you wait around for an appointment and put you in a queue, you can book your own appointment, straight away.

 

Being this responsive allows us to maintain our high levels of customer service. It’s our job to help you through your mortgage journey, to hold your hand through the whole process and be there to answer any mortgage questions you have along the way.

 

There are no upfront fees either! Book in your free mortgage consultation online, over the phone or by completing our contact form.

7 days a week

Contact us at a time that best suits you. We are open 7 days a week, therefore, you can book your appointments on the weekend.

 

We can’t wait to hear from you! Speak to a mortgage advisor in Huddersfield today.

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 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

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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Leedsmoneyman - Mortgage Broker

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

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