We know that the thought of buying your first home and taking that leap of faith onto the property ladder can be quite daunting, and that’s why we’re here to help.
We’ve been helping first time buyers for over 20 years; we have the experience and the knowledge to get you through the mortgage process. Once you get in touch with one of our mortgage advisors in York, we can get your mortgage journey started.
Our vast catalogue of both high street and specialist lenders will help you find a competitive product.
We can search through 1000s of deals, trying to locate one that perfectly matches your personal and financial situation. A mortgage broker in York like us only has your best interest at heart, our aim is to also save you time and money.
You can book your own mortgage appointment online! Choose your date and time to speak directly with a mortgage advisor in York.
Although depending on various factors such as your credit score, as a first time buyer in York, you’ll usually require a minimum of 5% of the property purchase price.
Unfortunately, if you do have a low credit score, you may have to put down a higher deposit, e.g., 10%-15%.
If you are struggling to meet the minimum required deposit, you may need to look at other ways of getting onto the property ladder. There are many different types of government-led schemes that can help you out, some may be more suited to your situation than others.
For example, the Shared Ownership Scheme allows you to purchase a share of a property—typically between 25% to 75%—and pay rent on the remaining portion. This can be a practical option if saving for a deposit on 100% of the property value is proving a struggle for you.
If you want to get more information about the different schemes that are available, you should get in touch with our team. We know the ins and outs of every scheme and can check whether you can access any of them or not.
As your mortgage broker in York, we will start with a Fact Find. During this stage of the process, we will get a better view of your personal and financial situation which will help us when selecting a mortgage deal.
You will then have a credit check performed on you, this step is essential in order to obtain an agreement in principle. Once you’ve handed us all of the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be offered.
Your initial mortgage consultation will take around 30 mins, afterwards, we will try and arrange an agreement in principle for you within 24-hours of your consultation. The final step is submitting your application and waiting for a formal mortgage – this can take about three weeks.
As a mortgage broker in York, we always recommend trying to have an agreement in principle in place prior to viewing properties. An agreement in principle could put you in a position that would let you negotiate prices.
Our Customers Love Us
4.95 Rating182 Reviews
Katie
Excellent service. I was provided with support and advice from Leo. I began my journey in March 2023 when I initially started looking. I the did not find a property until March 2024 where I got back in contact with York money man and Leo and...
5 days ago
Dennis
I found york money man online and wasn’t disappointed. Wayne helped us get everything order and was highly efficient. The process was seamless and I would highly recommend.
2 weeks ago
Emma
Brilliant and detailed helped with everything effectively and efficiently. Thank you
2 weeks ago
Mr Henry
Absolutely fantastic service , as first time buyers the team at Yorkmoneyman made the process of applying for our mortgage unbelievably easy and stress free . We cannot recommend them enough!
3 weeks ago
David
Great service, really helpful in understanding our individual circumstances and getting the best deal for us. Communication was top class right throughout the process, would highly recommend.
1 month ago
Mitchell
5 stars. They have been very helpful. Made the initial process of looking for and buying a house simple. Explained all the processes in an easy to understand way. Being able to suggest solicitors and surveyors took away a massive amount of the...
1 month ago
Anonymous
Couldn’t have asked for more from Tom and Jo. Super patient and helpful throughout!
1 month ago
Joseph
Our advisor Leo was incredibly helpful throughout our process. Explained everything clearly and answered any questions we had. I would definitely recommend Moneyman for anyone looking to buy a house.
2 months ago
Imogen
We had a great experience working with Leo and Paula on our mortgage application. As first time buyers we had no idea what the expect from the process but they have both been proactive, easy to contact and helpful throughout. Having the WhatsApp...
2 months ago
SL
They have been brilliant. Kept me informed and tried their best to get me to a point where I could apply for a mortgage. Only note to say is before committing wait for fully reviewed, not a criticism of UK money man and more just advice.
2 months ago
Phil
Excellent service from start to finish very helpful would recommend and use again
4 months ago
James
Fantastic, efficient service from Wayne & Jo. Would highly recommend
6 months ago
Hayley
I find all things mortgage quite daunting yorkmoneyman completely took the worry away. I have taken my first mortgage and remortgaged with them. Lovely team, I highly recommend
7 months ago
Peter
Yorkmoneyman helped us get the right mortgage at the best rate available, Dinah who was our contact was helpful, knowledgable, friendly and made the mortgage procedure simple and quick for us to complete, would definitely recommend 😬
8 months ago
Jack
Charlie outstanding once again, 2nd Mortgage I’ve now got from him and referred everyone I know! Thanks again to you and your team!
8 months ago
Jack
Chris was excellent in guiding us through the process, and very well supported by Stacey. Everyone was always friendly, professional and very quick to respond.
8 months ago
Helen
I couldn't recommend this service highly enough. Dinah, our advisor was so helpful, knowledgeable and patient. She made everything easy and couldn't do enough to make everything happen.
8 months ago
Nicholas
Why do you make me write in this box?
8 months ago
Wei
Both Matt and Debbie are very kind and patient! They are skillful and help me a lot! Appreciate them!
9 months ago
Sandra
We asked Yorkmoneyman for assistance with obtaining our new mortgage, and would absolutely recommend! Their knowledge and expertise was second to none, and nothing was too much trouble. Many thanks to Wayne and Stacey for all they have done for us.
9 months ago
During your free mortgage appointment with a mortgage advisor in York, you'll have the opportunity to discuss your financial situation.
They will conduct a comprehensive evaluation of your income and expenses to provide tailored guidance.
In York, our team of specialists can explore 1000s deals specifically designed for first time buyers.
Following your mortgage appointment, we'll arrange an agreement in principle (AIP) for you, typically within 24 hours. This serves as a valuable tool when making offers on a property.
Once you have received an accepted offer on a property, our case managers will work with you to begin preparing your mortgage application.
Once we are ready to do so, we can send your application off to the mortgage lender.
Now that you have submitted your mortgage application, all that is left to do is to wait for the mortgage lender's response!
Alongside the mortgage, we will recommend insurance products to protect you and your family in the future.
Part of our job as a mortgage broker in York is to be completely transparent with you.
If we cannot find you a better rate than what you’re currently on/have been offered, we will make sure that you’re aware of this. This is what we mean with open and honest mortgage advice in York.
You can book your own mortgage appointment online through our ‘Get Started’ process. We have availability 7 days a week and are open until late!
Book a free mortgage appointment and start your mortgage process today.
Overtime, we’ve collected many customer reviews. Every review shows how invaluable our service is and how much our customers have loved it.
Take a look at our outstanding reviews and see them for yourself.
Yorkmoneyman can access a wide range of competitive mortgage products. We have both specialist and high street products to hand.
We will search the market and try and find you a deal that matches your personal and financial situation perfectly.
During the first stage of your mortgage journey, you’ll need to work out how much you can borrow. There are a couple of different ways that you can do this.
You can either use our free online mortgage affordability calculator or for an accurate measure, you can get in touch with us. We will look at your income, credit file and expenditures to calculate how much you can borrow for a mortgage.
Once you’ve found your dream home that you want to make an offer on, firstly, you’ll need to arrange the mortgage part of the process. Once you’re in this position, it may be wise to speak with a Mortgage Advisor in York.
It’s nice and easy to book a mortgage appointment online. We are open 7 days a week, so you can book in with an advisor on a weekend if that works better for you.
If your offer has already been accepted, you’re ready to start your mortgage process straight away.
Using a mortgage broker in York like us could speed up your mortgage process. We know exactly what we’re doing during every point of the mortgage process.
Having an AIP is an essential part of your mortgage journey. You must have one in order to move forward with your mortgage application.
We can arrange an AIP for you within 24 hours of your enquiry. So, if you need a quick turnaround to support your offer, feel free to get in touch with our team.
Whatever the reason is for being declined by your lender, we would advise that you don’t keep applying. There may be something on your file that you don’t know about that is harming your application.
The more that you apply, the greater the damage on your record. Let us help you if you’re struggling with your mortgage process, we have experience and specialist knowledge in this sector.
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm