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Mortgage Broker In Skipton

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We offer all our customers a free mortgage appointment which you can book through our 'Get Started' process. From this, you will be able to provide further information about your financial situation to a member of our team and we will connect you with a Mortgage Advisor in Skipton.

Book Online for you FREE mortgage appointment with a mortgage advisor in Skipton.

Book Online

Book Online for you FREE mortgage appointment with a mortgage advisor in Skipton.

Malcoms Image

We offer all our customers a free mortgage appointment which you can book through our 'Get Started' process. From this, you will be able to provide further information about your financial situation to a member of our team and we will connect you with a Mortgage Advisor in Skipton.

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

Mortgage Advice in Skipton – Open & Honest Advice

Hi! We are a reputable Mortgage Broker in Skipton and Leeds who are here to provide you with help and support throughout your mortgage process. Having over 20 years of experience within the mortgage industry getting the opportunity to work with a range of customers in all kinds of circumstances. Therefore, whatever mortgage goals or circumstances you have, let us help you progress on your mortgage journey.

 

We offer all our customers a free mortgage appointment which you can book online through our ‘Get Started’ process. When you book your mortgage appointment with a Mortgage Broker in Skipton like us, we can connect you with an expert Mortgage Advisor in Skipton who will find out more about your mortgage situation. They will be there by your side for the full process to answer any questions and provide support.

 

We provide this supportive and caring service as we understand the mortgage journey can cause some challenges and stress. Our team are always ready to help you in this competitive market.

 

Your Mortgage Options in Skipton

Below is the most popular options we offer at Leedsmoneyman along with many more!

First Time Buyer Mortgages in Skipton

Stepping into the mortgage world for the first time can have you wondering about many aspects of the process. You might be wondering how you start the mortgage process or are unsure if you need to find a house first. These questions are ones we find many First Time Buyers in Skipton asking which is understandable and one of the reasons why you would benefit from our help.

 

You will be able to speak to a knowledgeable Mortgage Advisor in Skipton who can you give an in-depth insight into the full mortgage to you. Along with this, you will have an idea of how much you would be able to borrow and will be able to get an Agreement in Principle arranged for you on your behalf within 24 hours of your appointment. Remember, our team are there to answer any questions so please don’t hesitate to ask.

 

All our customers are offered fast & friendly Mortgage Advice. Book your free mortgage appointment online and select a date and time.

 

Moving Home Mortgages in Skipton

It’s likely the moving home process will be similar to the first time around, however, if you are Moving Home in Skipton it will involve a selling and buying process. It can be a challenge juggling two separate properties, however, you can lift some of the weight off by having a Mortgage Broker in Skipton to help with mortgage tasks.

 

Through our 20 plus years of providing Mortgage Advice, we have helped a plethora of customers fulfil their mortgage dreams. If you are looking for help with starting this new chapter in your dream home, our team could be the one to support you with this.

 

Buy to Let Mortgages in Skipton

Our team have rich knowledge and extensive experience when it comes to helping Buy to Let landlords. In order to get a Buy to Let mortgage, you need to match the precise requirements. This is where our team can help by working hard to show yourself to the lender in the best way possible. The likeliness of you being accepted can usually be down to the size of your Buy to let portfolio, however, this doesn’t make it impossible if you are a First Time Buyer landlord. It will involve you putting forward a strong deposit and showing how you will manage to meet the payments of the Buy to Let mortgage.

 

If you are looking for additional support and Buy to Let Mortgage Advice in Skipton, you can get in touch with our team who will happily answer any questions you may have.

 

Remortgaging in Skipton

If your fixed mortgage period is coming to an end, you will need to start looking into Remortgage options. You may have the option to access a better rate if you have kept up with your repayments. The products available are competitive and are likely to be better than your lender’s standard variable rate of interest which is something you may go on if you do not Remortgage.

 

Our team can help with finding you a remortgage deal that is perfect for your personal and financial circumstances. We will shop around for a range of deals through different lenders. If you are looking to get your Remortgage journey started, follow our book online system.

 

If you are Self Employed, it will require you to evidence your income with additional documents. During your free appointment, your dedicated Mortgage Advisor in Skipton will tell you what you need to provide.

Why Choose us as your Mortgage Broker in Skipton?

One of the factors that make us stand out compared to a bank or building society is that we can provide you with an open and honest service throughout the process as well as find you a deal that saves you both time and money. We are industry experts who can help you achieve a perfect mortgage product to go with your financial circumstance.

 

 

Our team are available 7 days a week with appointment availability spanning across the weekend so you can schedule appointment away from your work and personal commitments.

 

 

With a large variety of both high street and specialist lenders available to us, we can search through 1000’s of mortgage deals. Having different products for all mortgage types allows your assigned Mortgage Advisor in Skipton to look through a range of deals to work hard to find an appropriate product that works with your situation.

 

 

Check out our genuine reviews to see how we have helped many customers on their mortgage journey. We strive in providing high-level customer service and always go the extra mile for our clients. As well as this, we are always open and honest throughout the process.

 

Our Simple 4-Step Process

We offer a free mortgage appointment which you can yourself in for. This can be done either online or by phone.

 

During this appointment, your dedicated Mortgage Advisor in Skipton will look at your situation and will go through your options. From this, they will recommend the best route to take.

 

When they find a mortgage for you and agree with the recommendation, we will proceed with getting your application ready.

 

When you are ready to go, we can put forward your mortgage application to the lender. It’s that easy!

Have you been declined by your bank?

In the case where you are declined by your bank and are looking to get Mortgage Advice in Skipton, we would recommend getting in touch with our team. As well as this, we also recommend that you don’t apply to other banks to reduce the risk of negatively impacting your credit score if you get declined again.

 

Obviously, there will be a reason for this which our team can help you with. You might have adverse credit, a problem in the application, affordability or something else. We recommend that you try and improve the elements that are harming your application. By doing this, you are putting yourself in the best financial position as well as your application.

 

Even though obtaining a mortgage may not be in the cards for you due to your financial state, we will work hard in trying to help and see what advice we may have for you. Our team strive in overcoming any obstacles and challenges that they may encounter. Contact your expert Mortgage Broker in Skipton so we can look into your situation.

We search 1000's of mortgage deals across a large number of lenders, including:

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How do I transact with my Mortgage Broker in Skipton?

You have the option to transact with us by email, over the telephone or through video calls - it's entirely up to you!

Book online for Free

Choose your own appointment date and time; we have time slots available 7 days a week during mornings and evenings.

I've been declined by my bank in Skipton, can you help?

If you have been declined by your bank and need specialist help, we can look and your situation and take it from there.

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 - Mortgage Broker

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

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