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Specialist Mortgage Advice in Leeds

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7 days a week, 8am - 10pm

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Specialist Mortgage Advice in Leeds

Navigate a complex mortgage scenario with ease. Specialist mortgage advice in Leeds tailored for your individual financial situation.

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We look at solutions for specialist mortgages in Leeds for complex situations.

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.

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Specialist Mortgage Advice in Leeds

Our service may benefit you when looking for specialist mortgage advice in Leeds.

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.

We offer all customers a free mortgage appointment in Leeds.

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.

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FAQs for Specialist Mortgage Situations in Leeds

What is bad credit for a mortgage in Leeds?

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“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.

Can I remove a CCJ from my credit file in Leeds?

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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.

Do you require a specialist mortgage advisor in Leeds?

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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

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

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.

We Can Search 1000s of Mortgage Deals

Step 2

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.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Leeds will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

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.

Reasons to Choose us

Free Mortgage Appointment

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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.

1000s of Deals

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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.

Our Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Sheffield

We Search 1000s of Specialist Mortgage Deals in Leeds

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Specialist Mortgage Scenarios in Leeds

Property Down Valuation

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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.

Divorce & Separation Mortgage Advice

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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.

Remove a Person from a Mortgage

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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.

Single Name Mortgages for Married Applicants

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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.

Shared Ownership

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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.

Professional Mortgages

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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.

Second Home Mortgages

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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.

Holiday Home / Let Mortgages

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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.

New Build Mortgages

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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.

Non-Standard Construction Property Mortgages

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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.

Multiple Applicant / House of Multiple Occupation Mortgages

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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 Mortgages

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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.

Mortgage Guides

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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