Mortgage Broker in Wakefield | Mortgage Advice in Leeds

Mortgage Broker in Wakefield | Trusted Mortgage Advice Wakefield

Free Mortgage Appointment in Wakefield

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We have been helping customers through their mortgage journey for over 20 years, and we would love to try and help you next!

Book your FREE mortgage consultation in Wakefield online, or call 0113 827 2263

Enquire Online

Book your FREE mortgage consultation in Wakefield online, or call 0113 827 2263

Malcoms Image

We have been helping customers through their mortgage journey for over 20 years, and we would love to try and help you next!

Enquire 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 Rating206 Reviews

Open & Honest Mortgage Advice in Wakefield

“It’s not just about the mortgage, it’s about the journey” 

 

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 understand how difficult it can be to get your mortgage process started, and that’s why we want to help! 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 are very experienced and have knowledge of all mortgage types and circumstances. If by any chance we have not come across a situation like yours, we love a good challenge and we will do our best to get by the problem.

 

As well as helping you along the way, we will look at 1000s of mortgage products before recommending one for you. Your 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 your perfect deal!

Mortgage Options in Wakefield

First Time Buyer in Wakefield

Our team can help you work out how much you can borrow for a mortgage in Wakefield. We will need some further information from you, however. Your Mortgage Advisor in Wakefield will ask 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 documents to make sure that you qualify for getting a mortgage.

 

At the very start of your home buying journey in Wakefield, you are going to need a mortgage agreement in principle, which we can arrange for you within 24 hours of your mortgage appointment. You will definitely need one to make an offer on a property that you are interested in.

Remortgage in Wakefield

As you are approaching the end of your mortgage term, you will need to start thinking about remortgaging your property. If you want to avoid paying your lender’s standard variable rate of interest, you will need to remortgage before your fixed mortgage term ends. If we manage to find you a better deal during the remortgage process, you could potentially save hundreds down the line.

 

There are also other reasons why you may want to remortgage, this includes funding home improvements (loft conversion, conservatory, garage extension, etc.), releasing equity and consolidating debt.

Moving Home in Wakefield

Whether it’s down to wanting a bigger space or that you’ve fallen out of love with the property, if you’re moving home, you’re going to have to think about the implications of moving home. Firstly, you will have to sell and buy a home at the same time, which can be very stressful. Secondly, you will need to arrange the mortgage side of the process; do you try and port your current one or just take out a new one?

 

We can help you make decisions like these and go through the best option based on your financial and personal situation. We always want the best for you and will always be open and honest with you at all times.

Buy to Let in Wakefield

If you are a current or new buy to let mortgage applicant, you will also benefit from our mortgage advice service. Due to our transparent service, we have built strong relationships with many local landlords; we would love to build the same relationship with a landlord like you.

 

Typically, 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.

 

If you are self employed in Wakefield, most of your mortgage process will stay the same, you will just need to supply more evidential documents to show that you can afford a mortgage and the costs of buying a property.

Getting Mortgage Advice in Wakefield

It’s never been easier to get Mortgage Advice in Wakefield thanks to our brand-new booking online system. Once you answer a few questions and pass over your contact information, you will be able to choose a date and time for your mortgage appointment. There are slots available 7 days a week!

 

When you select a date and time, you will be paired with an advisor that specialises in your situation. They will know the best way to handle your situation if it is slightly complicated.

 

There is nothing wrong with getting Mortgage Advice in Wakefield. In fact, you will find that getting advice could save you money down the line and help you understand the ins and outs of the whole process a lot better.

Trusted by Thousands of Customers in Wakefield

Take a look at our fantastic customer reviews and see whether someone has been through a similar situation to you in the past.

 

We take great pride in our reviews and love to share them on our social media channels so that people can see how we helped other people through their mortgage journey.

 

We have been working in the mortgage industry for over 20 years now and have had experience with all different kinds of mortgage scenarios. When faced with a new scenario, we will always do our best to get you over that hurdle, no matter how hard it is.

Mortgage Broker in Wakefield

We can’t wait to hear from you and help you get your mortgage process started. Our Mortgage Advisors in Wakefield are available 7 days a week, so you can get in touch at a time that best suits you.

 

You can give us a call or book a free mortgage appointment online. As a Mortgage Broker in Wakefield, we aim to be as responsive as possible as well as to deliver a fast and friendly mortgage advice service. Get in touch with a member of the team today and see the benefits of using a Mortgage Broker in Wakefield.

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Free Mortgage Appointment

Thanks to our new booking system, you can easily book your free mortgage appointment online! Speak to a mortgage advisor in Wakefield today by simply choosing a date and time for your appointment.

Follow Us Online!

Our social channels provide you with the latest mortgage market updates and useful mortgage explainer videos. You can locate us on Facebook, YouTube, Twitter, LinkedIn, Instagram and even TikTok!

Mortgage Broker in Wakefield

It is important to us that you receive the best service possible when dealing with us. The mortgage process can be very stressful at times, and we want to make sure that you are comfortable and feel secure at all times.

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

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

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