Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the best rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the best outcome for you.

Our Customers Love Us

4.98 Rating271 Reviews

Mr Devmith

Daniel was very knowledgeable, friendly and took the time to speak with me and take my point of view into consideration as well. Definitely a return customer!

1 week ago

Joan

Great service

1 month ago

Anonymous

Great company, I have been working with them across many years fo me two properties (a residential mortgage and a buy-to-let), remortgaging many times and always getting sensible advice. In the end they save you a lot of money and time.

1 month ago

Anonymous

Really listened and understood what I needed from my insurance, and did a good job finding something aligned with my price point. I felt they had an in-depth understanding of the market, and used this information to provide me with a tailored...

1 month ago

Mr James

Daniel was brilliant start to finish. Professional, thorough and most of all very patient and accommodating. Reassured me all the way and ensured I'll 100% be using his services again. I hope his hard work is appreciated in the company, thanks very...

1 month ago

Kelly

Best company to use!! Tom and stacey have been amazing! Has a first time buyer I wasn't sure of much of the mortgage process. Tom explained everything to me in terms I would understand and has been great in keeping me up to date. Stacey has carried...

2 months ago

Anna

Chris has been absolutely fantastic walking us through the process of buying our home as clueless first time buyers! All questions were answered promptly and we were able to have evening meetings with him to work around our working hours. Chris has...

2 months ago

James

Extremely helpful and informative

2 months ago

Anonymous

Answered all my questions and very worry free

2 months ago

Miss Megan

I came to Moneyman for help with my first home purchase. Jason and the team went above and beyond to answer every question I had, as well as break down every step that I needed to take with care and professionalism. All correspondence was answered...

2 months ago

Mr Paul

Would highly recommend Leedsmoneyman, have used them every time since securing our mortgage first time around. Lewis Davidson & Daniel Dunning-Hornby have been especially helpful and always on hand when needed

3 months ago

Lisa

Always on hand

3 months ago

Adam

Really quick & helpful

3 months ago

Arvind

As ever, we've had a great experience. Daniel was patient with all our queries and clear in his response. Thank you.

4 months ago

Jahanzaib

Very happy with mortgage deal very good and professional

6 months ago

Samantha

I've used the twice now and they have been exceptional each time. Have also recommended to friends and family, who have had a great service. Completely smooth and seamless process, friendly staff, great communication. Couldn't ask for more.

6 months ago

Jahanzaib

Very happy with service and the mortgage deal provided by Leeds moneyman

6 months ago

Jamie

Chris and Kerry were fantastic, really helpful throughout the whole process. Very friendly and informative. Would highly recommend.

7 months ago

Amy

Great broker company. Chris and Kerry were amazing. They were always on hand to help us and chased our solicitors and calmed us when things weren’t going the way it should. We can’t thank them enough.

8 months ago

Chris

Jason and Jo were very helpful and supportive all the way through the process. They provided me with great support from a mortgage point of view and a mental health point of view (they answered all my worries in a timely manner). I would 100%...

8 months ago