Mortgage Broker in Wakefield | Mortgage Advice in Wakefield

Mortgage Broker in Wakefield
Mortgage Advice in Wakefield

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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 Online

For your FREE mortgage consultation in Wakefield call 0113 827 2263

Malcoms Image

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 Online

Mortgage advice
your way

First Time Buyer


Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy


Reviews Stars4.98 Rating224 Reviews

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:

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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!

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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.

mortgage guides

What Does Remortgage in Leeds Mean?

Taking a look at what remortgage in Leeds means, what defines a remortgage in Leeds & the reasons that people may remortgage in Leeds.

Do You Need a Deposit to Remortgage in Leeds?

A look at whether or not you need a deposit if you are looking to take out a remortgage in Leeds on your property and what to consider. & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
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