Mortgage Broker in Wakefield
Mortgage Advice in Wakefield
Book Your Free Mortgage Appointment Online
Read our 224 Reviews
Meet Malcolm, director and one of our mortgage advisors in Wakefield, who has earned himself a strong reputation where customers can benefit from getting in touch with an expert mortgage broker in Wakefield
For your FREE mortgage consultation in Wakefield call 0113 827 2263
Book OnlineFor your FREE mortgage consultation in Wakefield call 0113 827 2263
Meet Malcolm, director and one of our mortgage advisors in Wakefield, who has earned himself a strong reputation where customers can benefit from getting in touch with an expert mortgage broker in Wakefield
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 Wakefield
As a Mortgage Broker in Wakefield, our job is to help you through the entire mortgage process. From start to finish, we will be right by your side to take away all of the stress and complexities that come with taking out a mortgage. We have helped many homeowners and home buyers achieve their mortgage goals, thanks to our team of dedicated mortgage advisors in Wakefield who are knowledgeable in all things mortgage related.
Whether you are a first time buyer, home mover, or local landlord looking to invest a buy to let/let to buy property, our mortgage advisors in Wakefield strive for success and excellence. We have encountered this with many of our customers in the past, so we aim to offer a 5-star service to remove as much stress as possible, helping you overcome any hurdles you may face along the way.
As well as helping you along the way, we will look at 1000s of mortgage products before recommending one for you. Our mortgage advisor in Wakefield will have access to many high street and specialist products and will try and pick out one that matches your personal and financial situation. We have been doing this for over 20 years now; this experience and knowledge can lead us to finding you the most suitable mortgage deal.
If your personal scenario isn’t listed below, it is still more than likely that we have encountered or helped a customer in the past with a similar situation. So, don’t hesitate to get in touch to book your free mortgage appointment, as we know how hard it can be to continue through your mortgage application when faced with an obscure problem, that’s why we are here to offer a helping hand so we can get over these hurdles together.
Popular Mortgage Scenarios in Wakefield
First Time Buyer in Wakefield
Our team can help you work out the maximum amount you can borrow for a mortgage in Wakefield. Your mortgage advisor in Wakefield will carry out an affordability assessment, this involves asking you to provide documents that support your income such as bank statements, payslips etc. They will also look at your credit report, credit rating and other documentation to make sure that you qualify for getting a mortgage in Wakefield.
Next, our team will search 1000’s of mortgage deals to find the one that best suits your situation. Being a fast and friendly mortgage broker in Wakefield, within 24 hours of your free appointment, we can also look at obtaining an Agreement in Principle for you. You will definitely need one to make an offer on a property that you are interested in.
Moving Home in Wakefield
Whether you are looking to move into a bigger property or wanting to downsize, you’re going to have to think about the implications of moving home. Firstly, you will have to sell and buy a home simultaneously, which can be very stressful. Secondly, you will need to deal with mortgage aspects and need to see if you can port your current mortgage onto the new property, or need to take out a brand new one instead.
We can help you make decisions like these and go through the best option based on your financial and personal situation. It’s good to check your affordability prior to taking viewing and making offers. We can help you with budgeting so you know what the maximum amount you can borrow for a mortgage is, and how much your repayments will be.
Remortgage in Wakefield
As you are approaching the end of your fixed mortgage term, you will need to start thinking about your remortgage options. This involves switching to another mortgage deal to avoid falling onto your lender’s standard variable rate of interest. Our remortgage advisors in Wakefield can assist you in finding competitive rates and products in the market. If you’ve kept up with your repayments, you may find that you have competitive rates available to you.
Aside from finding a better deal, many individuals choose to remortgage for purposes such as home improvements, releasing equity, or consolidating debt into their mortgage.
Buy to Let in Wakefield
If you are a new or existing buy to let mortgage landlord, you will also benefit from our mortgage advice service. Due to our transparent service, we have built strong relationships with many local landlords in Wakefield. We tend to find, for a buy to let in Wakefield, you will need to have a 20%-40% depending on your existing portfolio and credit score. We will perform credibility and affordability checks during your free buy to let mortgage appointment in Wakefield.
We offer a range of buy to let mortgage options, including HMO, holiday Let, let to buy. Our mortgage advisor in Wakefield can help you explore your Buy to Let options and find the most suitable 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 Wakefield
If you’re a homeowner over the age of 55 who meets certain criteria, such as property value, you may want to consider exploring your options for equity release in Wakefield.
Equity release in Wakefield can be obtained through a home reversion plan or more commonly, a lifetime mortgage in Wakefield. Additionally, if you’re over 50, there may be other mortgage options available to you as you approach later life, including retirement interest-only (RIO) mortgages, term interest-only (TIO) mortgages, hybrid mortgages, standard mortgages, and remortgages in Wakefield.
However, mortgages for individuals over 50, and especially equity release, are highly specialised areas, and it’s crucial to consult a qualified and professional mortgage broker in Wakefield to understand your options. We always explore alternative options before considering equity release in Wakefield.
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 Wakefield
Booking your free mortgage appointment has never been easier with our online process. Subject to availability, you can choose a date and time to speak with one of our mortgage advisors in Wakefield. You will be asked a series of questions, which will help our team understand your situation, and what you are looking to achieve.
Using this information, they will search 1000’s of deals to find you a suitable mortgage product that meets your needs and provide you with open and honest mortgage advice in Wakefield.
Within 24 hours after your free mortgage appointment, your mortgage advisor in Wakefield will provide you with an Agreement in Principle (AIP).
If you choose the broker route, you will also benefit from our amazing customer service. Once your mortgage application has been submitted, to the lender. We will keep you informed throughout the process and answer any questions you may have.
Reasons to Choose Us
If you’re struggling with your mortgage application due to any obscure problem, don’t hesitate to contact us. Our team of experts specialises in various areas and can help you find the right mortgage deal based on your circumstances. As a reputable mortgage broker in Leeds and surrounding areas like Wakefield, we prioritise customer service and strive to provide an exceptional experience to our clients. You can see this in the positive reviews we receive from our satisfied customers.
Our friendly mortgage advisors in Wakefield are committed to supporting you throughout your entire mortgage journey. We pride ourselves on being responsive, caring, open, and honest with you every step of the way. To help you get started, we offer a free mortgage appointment to all customers who contact us.
We’re excited to hear from you and offer our expert mortgage advice in Leeds and surrounding areas to help you achieve your mortgage goals.
We search 1000's of mortgage deals across a large number of lenders, including:
Bank vs Broker
The main difference between a bank and a mortgage broker is that a bank can only offer you their own in-house mortgage deals whereas a mortgage broker in Wakefield 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.
Follow us on Social Media
We are always active on social media, often posting recent guides, market updates, excellent customer reviews and mortgage videos. You should take a look and find out for yourself!
Free Mortgage Appointment
Once you get in touch with our mortgage brokers in Wakefield, we will get you booked in for a free mortgage appointment. This will last around 30-minutes, during this time, your mortgage advisor in Wakefield will get to learn a little more about your mortgage needs and situation.
Common mortgage questions
Your free mortgage consultation with a mortgage advisor in Wakefield will typically take around 30 minutes.
Following an evaluation of your circumstances, your mortgage advisor in Wakefield will provide mortgage advice without any obligation for you to proceed.
Based on the information provided, you can then decide whether or not you wish to proceed with the mortgage process.
If you plan to make a deposit for a Wakefield property, most high street lenders will require a minimum of 5%, while others may ask for a higher amount based on your situation, such as any prior credit issues.
Although you may have had credit problems in the past, the positive news is that you may still be eligible for a mortgage in Wakefield, although a higher deposit of around 10-15% of the property purchase price may be required.
As an employee, you’ll typically be required to furnish three pay slips as proof of your income, while if you’re self employed in Wakefield, you’ll usually need to provide your latest two years’ accounts, along with proof of identification, address, and three months’ bank statements.
Our complimentary first mortgage consultation usually lasts around 30 minutes. As an experienced mortgage broker in Wakefield, we can obtain an Agreement in Principle within 24 hours once we have all the necessary information. Generally, it takes about three weeks to receive a formal mortgage offer.
To establish your creditworthiness and evaluate your ability to afford a mortgage in Wakefield, it is advisable to obtain an agreement in principle prior to viewing properties.
It is recommended to obtain one before making an offer, at the latest, to improve your negotiating position and demonstrate to the seller that you are prepared to move forward if they accept your offer. Generally, we can obtain an agreement in principle within 24 hours.
Handy quick links
Malcolm's
mortgage guides
