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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Often, getting a mortgage should be straightforward. As long as you have a good credit history, have the correct documentation and have evidence to prove you can afford your mortgage payments.
That said, there is more to it, but being sensible and following guidance like that will generally put you in a much better place to potentially get a mortgage.
For some homebuyers, something might crop up that stopped them from getting a mortgage, be it the bank rejecting their application for not meeting their lending criteria or something else.
As a specialist mortgage broker in Leeds, we can search through thousands of mortgage products. Our team of mortgage advisors in Leeds will take the time required to understand your personal and buying situation because it will give us the information needed to find the best mortgage deal available for your circumstances.
As a reputable mortgage broker in Leeds, we have access to a large panel of lenders providing a range of mortgage products. The specialist mortgage products on offer to customers include some which fit many complex situations.
Our aim is to support you throughout the process, overcoming unexpected obstacles to hopefully a successful end of a mortgage. Our hardworking mortgage advisors are determined to help you towards this success from the beginning of your journey right through to the end.
When you get in touch with us, you can expect open and honest mortgage advice in Leeds by a responsive and dedicated mortgage advice team who will keep you updated throughout the process. They strive in finding you the best deal that is tailored towards your financial and personal needs and are there to be a helping hand all the way through the journey.
Here at Leedsmoneyman, our mortgage advsiors in Leeds are here to welcome and help any mortgage applicants who are struggling with getting accepted by a lender.
We have dealt with a plethora of customers with different mortgage scenarios and varied circumstances through our experience as a fast & friendly Mortgage Broker in Leeds.
Our Customers Love Us
4.98 Rating254 Reviews
Jamie
Chris and Kerry were fantastic, really helpful throughout the whole process. Very friendly and informative. Would highly recommend.
2 weeks 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.
1 month 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%...
1 month ago
Anonymous
Excellent service through a rather complicated moving period which involved two changes of house purchase with attendant changes in mortgage requirements. Dan O was able to obtain a later life mortgage where other brokers had failed. He gave...
1 month ago
Mr Mchale
Very good service Dinah was great and they keep in touch throughout the whole process
2 months ago
John
Great service received by Jason Loft. He took the time to clearly explain our options and to arrange our new mortgage, making the process a lot easier than doing it ourselves.
3 months ago
Anonymous
A very helpful and efficient service, very impressed with the information provided and the mortgage deal which was found for us. Very good value for money.
3 months ago
Ikra
Great service from Matt. From the very beginning he’s been easily contactable and kept me updated at every stage. He’s gone over and beyond to ensure I’ve got the best chance of securing a good mortgage and I can’t thank him enough.
4 months ago
Megan
Excellent and thorough service. Jason was patient with my many questions and was happy to go through different scenarios to work through what would work best for us in our current situation. Would definitley reccommend.
4 months ago
Rachel
Really impressed with the service, second time we have used these! If I ever wanted to move again, we would definitely use these!
4 months ago
Shaun
Leedsmoneyman have been excellent from start to finish keeping us informed along the way. They make a daunting process as painless as possible. I would recommend to anyone
5 months ago
Valerie
Tom we thank you very much and thanks to Malcolm for putting us in touch with you. We very appreciate all the help and advice for our future 😀 and we will be back to you for any further finance advice. Kind regards Val and Tony Ripley
6 months ago
Rob
Excellent service. Helped us through the process with professionalism. It’s a complicated process and a huge decision to most people, but Chris and the team explained everything and helped us get the best deal.
6 months ago
Charlie
Service was amazing! Jason and the team made sure I was always kept up to date and available to answer any questions.
6 months ago
Lucy
Would 100% recommend! Being first time buyers, we didn’t really know the process when searching and applying for a mortgage but Charlie explained the process clearly and we knew what to expect throughout. We had a mortgage offer within a week of...
7 months ago
Anonymous
Professionalism and transparency are key. Less is more, fat free service.
7 months ago
Sithabile
Chris was very efficient, kept to his appointment time and mortgage review was approved instantly.
7 months ago
Heidi
This is the second time using Wayne’s services for a new mortgage on our house purchase and he was phenomenal as always. Explains things in a way that I find easy to understand, and provides excellent advice. Thank you Wayne and team!
7 months ago
Oliver
Incredibly helpful and informative right from the start!
8 months ago
Shaun
As a returning customer I'm pleased to say the service is impeccable as always!
8 months ago
“Bad credit” for a mortgage in Leeds refers to a situation where a potential borrower has a history of financial issues that could pose challenges in obtaining a standard mortgage from mainstream lenders. While having a poor credit history can make securing a mortgage more difficult, there are specialist lenders who may be willing to work with individuals facing adverse credit circumstances.
You cannot directly remove a CCJ from your credit file unless it was issued in error or if you’ve paid it in full within 30 days of receiving the judgment. Otherwise, a CCJ remains on your credit file for a period of six years from the date of issuance, even if you subsequently settle the debt.
While it’s not strictly mandatory to engage a specialist mortgage advisor in Leeds, it is highly advisable, particularly if you have unique financial circumstances such as bad credit or if you are self employed. Looking into mortgage advice in Leeds can be invaluable in helping you explore suitable mortgage options, especially if you may not qualify for standard mortgages from mainstream lenders
During your free mortgage appointment with a mortgage advisor in Leeds, you will need to provide information about your income and expenses to determine your affordability.
Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you. Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.
Once you accept a purchase offer, your mortgage advisor in Leeds will proceed to submit your full mortgage application and relevant evidence documents.
Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.
Are you uneasy about your credit score? Looking to obtain an up-to-date copy of your credit report can be highly beneficial. This will help you when it comes to attending your free initial mortgage consultation because our mortgage advisors can have a snapshot of your overall financial status. From this, we can look through deals that might work perfectly with your circumstances.
We provide this service in the hopes that you end your mortgage journey satisfied going into your new home happy with a brilliant mortgage deal that fits your circumstances. As a fast and friendly mortgage broker, we will be your helping hand throughout your mortgage journey by providing you with open and honest Mortgage Advice in Leeds. Contact us and book your free mortgage appointment.
As a mortgagebroker in Leeds, we have access to an assortment of mortgage lenders on panel, each with its own unique mortgage lending criteria that customers can be compared and matched up against. Our dedicated team of mortgage advisors in Leeds can provide the best deal for our customer’s financial and personal circumstances through their rich experience and extensive knowledge in mortgage advice.
We work for the customer and have the customer’s interest at heart. Our team’s responsibility is to support and help you throughout the mortgage process. Our friendly and hard-working mortgage advice team strives to provide you the best service to get you through the full mortgage process and constantly updating through every step to hopefully a successful mortgage.
A property down valuation happens in the case where you have had a property survey carried out on the property but you have found the offer you put forward and accepted initially is above the market value of the property.
In the unfortunate situation where you are going through a separation or divorce, it can be challenging to sort out what happens next.
If you are tied into a mortgage together, this can be difficult even more. Being quick with sorting this out is really important as the longer you leave it, the more complex the situation can get.
Leading on from the previous scenario, if you are going through a divorce or separation, there is the option to remove your name or your ex-partner’s name from your mortgage.
The options available to you varies depending on both of your financial stability also your affordability which will be judged through one form of income.
If you are married and are wanting to get a mortgage on a property that both you and your partner will live in, you may wish to take out a mortgage in only one of your names.
This is where you would look to see if you are eligible for a mortgage in a single applicant’s name.
Lenders would prefer both applicants on the mortgage as there would be two incomes instead of one however the option may still be there.
The Shared Ownership Scheme is a way for mortgage applicants to take out a mortgage on only a percentage of the property, as a share. The amount can vary between 25%-75%.
You will pay back rent to whoever to the individual who owns the remaining share, this is usually a local authority, and you will pay this as well as your payment.
This is known as being a niche section of the mortgage market due to this type only being offered to very specific professions. Because of the specifications that comes with this mortgage, it’s best you get in touch with a specialist like ourselves for more information.
Taking out a mortgage for a second property will require you to demonstrate that you will be financially fit for covering two mortgage payments. Our team will be able to help you get ready for this.
Similar to buy to let properties, however, holiday lets means you won’t have a tenant in there constantly which suggest that the property will be empty in periods that are off-season.
Lenders will need to be confident that you will still be able to afford the mortgage payments every time, even if the property is not occupied.
You may find that new builds can be more expensive to invest in compared to properties from previous generations. The Help to Buy Equity Loan Scheme introduced by the government is fitting for only first time buyers who are finding saving up for their initial deposit challenging.
The scheme is a chance for people who are struggling to take their first step on the property ladder.
A building that is not built by the standard building materials like bricks and mortar is known as a ‘non standard’ property.
It’s required that you take out a very specialist mortgage product in order to take out a mortgage under this type. In the instance where you are looking to buy a property that is under the category, we highly recommend you get a full structural property survey.
HMO mortgages are like buy to lets but with 4-6 tenants involved. This one is generally used for student housing. Looking at specialist buy to let mortgage advice in Leeds would be something we would highly suggest to look into. This is because HMOs can be challenging to work with.
Offset mortgage works in tandem with a savings account. Taking an Offset mortgage out could be very beneficial if you are wanting to look at competitive interest rates and mortgage products.
Read our 254 Reviews
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
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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
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