Help to Buy in Leeds | Help to Buy Mortgage Advice in Leeds

Help to Buy in Leeds

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Help to Buy in Leeds – Mortgage Advice Across All Schemes

A Help to Buy in Leeds can be seen as an appealing option, however, it can be very challenging. With our experience as a Mortgage Broker in Leeds, we aim to overcome any surprising obstacles and reassure you that it’s not as daunting as you may think.


We will be the helping hand throughout the full process, updating you on what is going on and when. If you are looking for some advice or wanting any information clarifying, we are only a phone call away. We are here to support you through this time.


It can be very helpful to have a Mortgage Broker in Leeds, like ourselves, working with you through the full help to buy journey.


At Leedsmoneyman, we will be able to provide expert Help to Buy Mortgage Advice in Leeds across all the schemes. Below, is more information about Help to Buy schemes and the most common scenarios when it comes to Help to Buy in Leeds.

How does it work?Get a quote nowMeet your advisor

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Expert Mortgage Advice for Help to Buy in Leeds

We provide a fast and friendly service where we look at your circumstances and financial state to find you the best option. As a mortgage advisor in Leeds, our goal is to make your Help to Buy experience as stress-free as possible so you can complete your full Help to Buy in Leeds process happy.


The advantage of a Help to Buy in Leeds is it provides you with the option to buy a home with just 5% deposit. Whereas Help to Buy Shared Ownership deposits are generally lower than buying traditionally.


We offer all our customers a free mortgage appointment with a mortgage advisor in Leeds.

Do I qualify for a Help to Buy in Leeds?

Firstly, our dedicated team will need to understand your circumstances in order to know if you would qualify or not for any of the schemes that are available. If you would qualify for the mortgage, we would then proceed with finding you a mortgage for your Help to Buy in Leeds.


Our expert mortgage advisors are always here if you are looking to get in touch with us about any types of schemes that could benefit you.


As mentioned, you will only qualify if you are a first time buyer. Whether you match the criteria entirely depends on your own circumstances and the property you are looking at.


You will not qualify for a Help to Buy in Leeds if you own any other property in the time where you are wanting to purchase a new home with the help of the Help to Buy Scheme. Furthermore, it is forbidden to sublet or part exchange.


For more information about the Help to Buy Schemes available, check our the Government’s Own Your Home website.

Why should you choose us as your Mortgage Broker in Leeds?

Our 20 plus years experience as a knowledgeable and friendly Mortgage Broker in Leeds has provided us with the skills of working with a number of customers all with varying circumstances enquiring about different types of mortgage advice.


In this time, we have had numerous opportunities with dealing with customers who are looking to take advantage of a Help to Buy in Leeds. When starting your Help to Buy journey with one of our friendly Mortgage Advisors in Leeds, we will be there all the way until completion.


The Help to Buy Scheme also falls under individuals who have found a new home that they are looking to purchase. We will be able to help by looking at the paperwork with you as well as contacting the home or estate agent on your behalf if necessary.


If you are looking into getting a surveyor or solicitor, we are happy to help in providing you with advice and guidance as well as discussing what requirements you need for that.


Your dedicated Mortgage Advisor in Leeds will be able to provide you with an idea of the amount you will be paying monthly for your mortgage deal as well as looking through all of the figures with you. This is all part of what we offer with our free initial mortgage appointment.


Check out what our customers say about our services and why many people go to Leedsmoneyman when looking to take out a mortgage with the Help to Buy Scheme.


We are with you every step of the way on your home buying journey providing you with open and honest mortgage advice. Contact us and book yourself in for your free mortgage appointment.


As your Mortgage Advisor in Leeds, we are here to help you. Get in touch with us today and make a date for your free mortgage appointment.

Reviews Stars4.98 Rating224 Reviews

Common mortgage

You will need to have at least a 5% deposit.

Our free initial mortgage consultation can roughly last up to 30 mins. 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.

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 30 mins. 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.

We make it so easy!
Our 4 step process

Step 1

Give us a call and a Mortgage Advisor in Leeds will recommend the best Help to Buy scheme based on personal circumstances.

Step 2

Enjoy finding your dream home in Leeds

Step 3

Make an offer on the property and once accepted, we will progress your mortgage application.

Step 4

We will be here to answer all of your mortgage questions right through till you get your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

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.
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

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

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