Getting a mortgage might require you to think outside the box to achieve the best result. As a specialist Mortgage Broker in Leeds, that’s our job! Our team of Mortgage Advisors works with various mortgage lenders that specialise in a variety of areas.
If you need some expert Mortgage Advice in Leeds, then you’ve come to the right place. We believe the services we provide will be incredibly beneficial to you and your mortgage journey.
We are aware of all the mortgage schemes and products available and will be happy to discuss these in detail with you.
The above list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, in which case please get in touch as we’d still love you help you through the mortgage process.
Contact us to book your free specialist mortgage consultation
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 consultation.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.
Your free mortgage consultation in Leeds will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
As your mortgage broker in Leeds, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Leeds. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
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 always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit when purchasing a house in Leeds with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property in Leeds!
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.
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.
