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Mortgage Broker in Wakefield

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0113 827 2263Speak to an Advisor - It's Free!

Mortgage Broker in Wakefield

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0113 827 2263

Mortgage Advice in Wakefield

As a mortgage broker in Wakefield, we are here to guide you through the entire mortgage process, from start to finish. Here at Leedsmoneyman, our goal is to make the process as stress-free as possible by taking care of all the challenges that come with obtaining a mortgage. Our team of dedicated mortgage advisors in Wakefield have helped many homeowners and home buyers achieve their mortgage goals.

Whether you are a first time buyer in Wakefield, home mover in Wakefield, or local landlord looking to invest in a buy to let in Wakefield, our mortgage advisors in Wakefield are knowledgeable in all things mortgage related and strive for achieving mortgage success.

With over 20 years of experience and knowledge, we have encountered various personal scenarios in the past and have helped customers overcome similar situations. If your situation isn’t listed on our website, don’t hesitate to get in touch to book a free mortgage appointment.

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Your Mortgage Options in Wakefield

All of our Customers Receive a Free Mortgage Appointment!

More often than not, we get applicants who have recently been declined by their bank and need expert help. A bank only has access to their own in-house products, whereas, a mortgage broker in Wakefield like us has access to 1000’s of competitive mortgage deals, with some being more specialist than banks and building societies.

Our responsive team, also work to ensure that you get to speak with a mortgage advisor in Leeds & Wakefield as soon as possible during the process. This means that you aren’t held up in a queue to speak to someone, you get to talk right away! Our responsive team, also work to ensure that you get to speak with a mortgage advisor in Wakefield as soon as possible during the process.

This means that you aren’t held up in a queue waiting to speak with someone, you get to talk right away! Don’t hesitate to get in touch, even if you are in a slightly bizarre or complicated situation. It is likely that we have already faced the same or if not a similar issue before. We love a challenge and would like to offer a helping hand.

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Your Mortgage Options in Wakefield

First Time Buyer Mortgages in Wakefield

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Our team of mortgage advisors in Wakefield can help you to figure out the maximum amount you can borrow for a mortgage. Your dedicated mortgage advisor in Wakefield will perform an affordability assessment that involves reviewing your income-related documents, such as bank statements and payslips, to make sure that you qualify for a mortgage in Wakefield.

Additionally, they will assess your credit report, credit rating, and other documentation to ensure that you meet the necessary qualifications. After assessing your financial situation, our team will search through thousands of mortgage deals to identify the one that is most suitable for you.

As a fast and friendly mortgage broker in Wakefield, we can also help you to obtain an agreement in principle within 24 hours of your free initial mortgage appointment. An agreement in principle is essential for making an offer on a property that you are interested in.

Moving Home Mortgages in Wakefield

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If you’re considering moving to a larger or smaller property, there are a few things to consider that can have an effect on your decision-making process. Firstly, selling and buying a home at the same time can be a challenging experience that requires careful planning.

Secondly, you’ll need to deal with mortgage aspects and determine whether you can port your current mortgage onto the new property or need to apply for a new one. To simplify this process, our team of mortgage advisors in Wakefield can provide expert guidance and help you make informed decisions based on your financial and personal circumstances.

By assessing your affordability and budgeting needs, we can help you determine the maximum amount you can borrow for a mortgage and estimate your monthly repayments. This will allow you to plan your move more effectively and make offers with greater confidence.

Buy to let Mortgage Wakefield

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If you are a new or existing buy to let landlord seeking mortgage advice in Wakefield, our service is tailored to suit your needs. We have grown strong relationships with numerous local landlords in Wakefield, thanks to our transparent approach.

During your free mortgage appointment with our buy to let mortgage advisors in Wakefield, we will conduct credibility and affordability assessments to determine your eligibility. Typically, a 20-40% deposit is required for a buy to let property in Wakefield, depending on your credit score and existing portfolio. We provide a wide variety of options for buy to let mortgages in Wakefield, including HMO, holiday let, and let to buy.

Our mortgage advisors in Wakefield can help you in exploring your buy to let options and finding the ideal mortgage for your situation. Please note that the Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

Remortgaging in Wakefield

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As the end of your fixed mortgage term approaches, it’s important to start considering your options for remortgaging in Wakefield. This typically involves switching to a new mortgage deal to avoid being placed on your mortgage lender’s standard variable rate of interest, which is often higher.

Our team of remortgage advisors in Wakefield can help you find competitive rates and products available in the market. If you have kept up with your repayments, you may be eligible for some of the most competitive rates available. In addition to securing a better deal, many individuals choose to remortgage to finance home improvements, release equity, or consolidate their debts into their mortgage.

Self Employed Mortgages Wakefield

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If you’re self employed in Wakefield, the mortgage process follows a comparable path to other scenarios, yet with a distinctive requirement – the necessity to furnish evidence of your income.

Our knowledgeable mortgage advisor in Wakefield will help you in understanding the additional documents required. Similar to various mortgage types, they will carry out a thorough affordability assessment and investigate potential deals that align with your unique situation.

Mortgage Options for Over 50s in Wakefield

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If you’re a homeowner aged 55 and above who meets specific criteria, such as property value, it’s worth exploring your options for equity release in Wakefield. You can obtain equity release in Wakefield through a home reversion plan or, more commonly, a lifetime mortgage.

As you approach later life, other mortgage options may also be available to you if you’re over 50, including retirement interest-only (RIO) mortgages, term interest-only (TIO) mortgages, hybrid mortgages, standard mortgages, and remortgages in Wakefield.

That being said, mortgages for individuals over 50, especially equity release, are highly specialised areas, and it’s essential to consult a qualified and professional mortgage broker in Wakefield to understand your options. As a mortgage broker in Wakefield, we always explore alternative options before considering equity release in Wakefield.

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Our Simple 4-Step Process

Book Online

Step 1

Take control of your mortgage journey by reaching out to us and scheduling your complimentary mortgage appointment with one of our dedicated mortgage advisors in Wakefield. As an accessible mortgage broker operating seven days a week, we ensure that you can connect with us at your convenience.

Free Mortgage Apppointment

Step 2

During this appointment, engage in a conversation with an expert well-versed in your unique mortgage situation. Expect questions about your personal and financial circumstances, allowing your mortgage advisor in Wakefield to pinpoint the ideal mortgage product tailored to your needs. Once we identify the perfect mortgage product, we’ll present it to you through a comprehensive mortgage illustration.

Finding a Suitable Product

Step 3

If you decide to proceed with us and the proposed deal, we move to the next stage – preparing your mortgage application! At this juncture, you’ll be assigned your dedicated case manager, who will assist you in assembling all the necessary documents to support your mortgage application. They will oversee the mortgage-related aspects of the process, and when you’re ready, we’ll submit your application.

Submit Your Application

Step 4

Following the submission of your mortgage application, the next step is to await a response from your mortgage lender. Once we receive positive news, we’ll promptly notify you. Now, it’s time to collect the keys to your new property!

Reasons to Choose Us

Free Appointment in Wakefield

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Operating seven days a week as a responsive mortgage broker in Leeds, our outstanding reviews are a testament to the positive experiences we consistently provide our customers. Each review reflects the tangible benefits our service brings in helping individuals discover the ideal mortgage product. Gain insight into our customer-centric approach by exploring our reviews page.

Search 1000s of products

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Throughout any mortgage journey, our amiable mortgage advisors in Leeds leverage access to a vast panel of lenders, offering thousands of mortgage products. From high street to specialist offerings, we diligently search for the most suitable solution tailored to your personal and financial situation.

Our Service

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Offering transparent and sincere mortgage advice in Leeds, our mortgage guides on the website serve as a valuable resource for acquiring mortgage insights in Wakefield. Should you wish to pose a question to one of our expert mortgage advisors in Wakefield, simply follow our “Get Started” process and initiate contact!

7 Days a Week

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Even in complex situations, reaching out to a mortgage broker in Leeds is advisable. We have successfully navigated applicants through intricate and challenging circumstances, dispelling the notion that obtaining a mortgage is impossible. We encourage all applicants to connect with us, as we may have resolved similar issues in the past!

Malcolm and Amy Davidson - Mortgage Advice in Leeds

Common Mortgage Questions in Wakefield

How much deposit do I need for a mortgage in Wakefield?

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When considering a mortgage in Wakefield, a minimum 5% deposit is typically required. For individuals with bad credit, the deposit may range from 10% to 15%, although this can vary among lenders.

How does the mortgage process work in Wakefield?

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Engaging a mortgage broker in Wakefield can streamline and economize your mortgage process. Our process involves a comprehensive Fact Find to understand your mortgage situation and requirements. Subsequently, your dedicated mortgage advisor identifies the most suitable mortgage deal. If you choose to proceed, we initiate the preparation of your mortgage application with a dedicated case manager, culminating in the submission and awaiting a formal mortgage offer.

When should I obtain an agreement in principle in Wakefield?

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Ideally, securing an agreement in principle (AIP) before property viewings is crucial. This document, issued by your lender, indicates their willingness to lend, contingent on sufficient evidence of income and affordability. AIPs typically last between 30-90 days, and if expired, can be easily renewed through a mortgage broker in Wakefield within 24 hours.

Can I get a mortgage in Wakefield with previous credit problems?

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While obtaining a mortgage with bad credit presents challenges, it is certainly not insurmountable. Lenders assess your affordability based on credit history to determine lending risk. Connect with a specialist mortgage advisor in Wakefield through a call or by booking a free mortgage appointment online.

Are there fees involved in a remortgage in Wakefield?

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Remortgaging fees mirror those encountered during the initial mortgage acquisition. For a breakdown of costs, consult your remortgage advisor in Wakefield, considering arrangement fees, property surveys, and broker fees.

Can I secure an Agreement in Principle within 24 Hours?

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As part of our exceptional service, we can arrange a mortgage agreement in principle within 24 hours of your mortgage appointment. This document proves invaluable in making property offers and negotiating prices. Lasting 30-90 days, it can be renewed promptly by reaching out to your mortgage advisor in Leeds, showcasing our commitment to stellar customer service.

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Foundation Home Loans & 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

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