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Specialist Mortgage Advice in Leeds

Free Specialist Mortgage Consultation

0113 8272263

Declined by the Bank? We May be Able to Help!

We’ve had over 20 years of experience within the mortgage sector. Over this time, we’ve come across 1000s of specialist mortgage situations; each one has led us to understand almost every possible mortgage scenario.

 

We also offer a free Specialist mortgage consultation to every customer, no matter how complex their situation is!

 

Bank vs Broker

The main difference between using a bank and a Mortgage Broker in Leeds is that a broker like us has access to 1000’s of different products unlike a bank would.

 

Our products consist of both high street and specialist rates. A bank will only have access to their own in-house deals which could potentially limit your mortgage options.

 

A Mortgage Broker in Leeds like us, we will also take care of you from start to finish. As soon as you get in touch, you will be in safe safe hands with us. We will take your details and a further look into your situation, analysing your information and helping you through your process.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Specialist Mortgage Advice in Leeds

As a Specialist Mortgage Broker in Leeds, we’ve come across lots of different specialist scenarios. Here are a few examples:

  • Sale Under Value Mortgages
  • Divorce Mortgage Advice
  • Remove a person from a Mortgage
  • Shared Ownership
  • Single Name Mortgages for Married Applicants
  • Professional Mortgages
  • Second Home Mortgages
  • Holiday Home Mortgages
  • New Build Mortgages
  • Non-Standard Construction Property Mortgages
  • Multiple Applicant Mortgages
  • Mortgages Past Retirement Date
  • Offset Mortgages

The list above is only a brief overview of some of the common specialist situations that we come across, so if your situation isn’t listed above, don’t worry, it’s more than likely that we’ve come across your situation or something similar before.

 

Contact us to book your free specialist mortgage consultation.

In need of a Specialist Mortgage Advisor in Leeds?

Why choose us? What makes our mortgage advice service so special? Here are a few reasons why:

  • We’re open and honest with our customers. Your dedicated Mortgage Advisor in Leeds will be transparent with you 100% of the time.
  • We also offer every single one of our customers a free mortgage consultation, no matter their mortgage situation.
  • Our Mortgage Advisors in Leeds are very experienced when it comes to dealing with complicated situations on a regular basis.
  • We have close relationships with both high street and specialist mortgage lenders. This means that we can approach each one to try and find you the best mortgage product available to you and your circumstances.
  • We know how to pass lenders requirements and criteria. We will only submit your application when we know that you’ll pass their criteria.
  • We will hold your hand through the entire mortgage process, from point of enquiry to getting your house keys.
  • Mortgage appointments are available at daytimes, evenings or weekends. Book in your free mortgage consultation at a time that suits you best.

As your Mortgage Advisor in Leeds, we are here to help you through every step of the mortgage process, no matter the hurdles that we are faced with.

 

Get in touch with our team today and get booked in for your free mortgage consultation.

What our customers say

Common mortgage
questions

Our free initial mortgage consultation can roughly last up to one hour. 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.

Suppose you are looking to put down a deposit for a property in Leeds. In that case, most High Street lenders will ask for a minimum deposit of 5%, and others might ask for a higher amount depending on your circumstances, e.g. If you have had any previous credit problems.

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 one hour. 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

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

Step 2

Enjoy finding a property in Leeds!

Step 3

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

Step 4

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.

Handy quick links

Leedsmoneyman.com & Leedsmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Leedsmoneyman

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