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Yorkmoneyman Single M Home Page

Mortgage Broker
in York

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01904 405975Speak to an Advisor - It's Free!

Mortgage Broker
in York

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Enquire Online 01904 405975 Malcolm Davidson Managing Director of Newcastlemoneyman - Mortgage Broker in Newcastle
Malcolm and Amy - UK Moneyman Directors

We love helping customers that really need mortgage advice in York - Something our Managing Director, Malcolm Davidson has been doing since 1997.

To speak with a mortgage advisor in York, book your FREE mortgage appointment online.

We love helping customers that really need mortgage advice in York - Something our Managing Director, Malcolm Davidson has been doing since 1997.

Malcolm and Amy - UK Moneyman Directors

About Us

Our Customers Love Us

Reviews Stars4.95 Rating183 Reviews

Mortgage Broker in York
Mortgage Advice in York

Welcome to Yorkmoneyman.com, your reliable mortgage broker in York and a name that has been synonymous with excellence in the city and its surroundings since our establishment in 2009. Committed to addressing the unique needs of our customers, we approach their situations with the utmost care.

Leveraging our extensive knowledge and experience in the property market, we go the extra mile to ensure our customers receive tailored solutions. Our profound understanding of the mortgage landscape empowers us to navigate through numerous deals, identifying the one that perfectly aligns with your requirements.

Feel free to schedule your complimentary mortgage appointment today and engage in a conversation with our skilled mortgage advisor in York. Let’s embark on a journey to explore the possibilities together.

Benefit From Open and Honest Mortgage Advice in York

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We take great pride in being transparent and trustworthy mortgage advisors in York, committed to helping customers with their mortgage inquiries and providing the necessary support.

Our dedication to delivering excellent service is reflected in the consistently positive reviews we receive. The Yorkmoneyman team of reliable mortgage advisors in York is here to navigate you through your mortgage journey with both simplicity and confidence.

Whether you’re stepping into the property market as a first time buyer in York or you’re an existing homeowner exploring options like moving home, remortgaging in York, or considering later life lending solutions, we are here to help you achieve your mortgage objectives.

At Yorkmoneyman, we adopt a hands-on approach to mortgage advice in York, guiding you through every step, from the initial consultation to the successful completion of your mortgage application. Our goal is to simplify the mortgage process and make it as stress-free as possible for all those who turn to us.

Find Out How a Mortgage Broker in York Can Help You

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At Yorkmoneyman, our dedicated team of mortgage advisors in York takes a thorough look at a variety of mortgage deals to find the one that precisely matches your specific goals. Our aim is not only to save your time but also to ensure your peace of mind by simplifying the often complex and demanding mortgage landscape.

With our highly skilled mortgage administrators and experienced mortgage advisors in York, you can trust that you are in capable hands. It’s rare for us to encounter a situation we haven’t navigated before, meaning we are well-prepared to handle various scenarios and offer you sound guidance.

Finding Solutions for Both First Time Buyers in York and Existing Homeowner Remortgages

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Whether you’re a first time buyer in York or someone re-entering the property market, our service is tailored to be a valuable resource for you. Recognising the challenges of buying a new home, we aim to provide steadfast support throughout the entire process. No matter the obstacles we encounter, we’ll collaborate to overcome them.

For existing homeowners in York considering remortgaging options, our expertise shines as we meticulously review numerous deals to pinpoint the one that best suits your needs. During the remortgage process, many clients explore capital-raising solutions, such as funding home improvements or consolidating debts like credit cards and loans.

This is a specialised area, and we are dedicated to offering transparent and honest advice, always prioritising your best interests in our recommendations.

Expertly Answering Your Mortgage Questions

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Your reliable mortgage advisor in York is here to offer assistance and guidance on all aspects of mortgages. Our expertise is accessible seven days a week, spanning from early morning to late evening.

Whether by phone or email, our dedicated team is prepared to provide support and address any questions you may have about your mortgage.

Mortgage Advice in York for Complex Cases

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With a legacy as a trusted mortgage broker in York dating back to 2009, we’ve navigated through a wide range of mortgage scenarios. No challenge is too formidable for us to tackle. Don’t hesitate to reach out, even if you perceive your situation as intricate.

Whether you’re self-employed, a business owner, a partner, a contractor, or currently on probation with a new employer, our seasoned mortgage advisor in York can offer invaluable assistance.

This holds true even if you’ve encountered credit challenges in the past, faced bankruptcy, dealt with CCJs, or carry a less-than-ideal credit score. Our team possesses a profound understanding of lending criteria and a wealth of experience in delivering expert advice tailored to clients with diverse individual circumstances.

Bank versus a Mortgage Broker in York

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A significant number of individuals often turn to their local bank for mortgage advice in York, only to encounter obstacles such as not meeting the bank’s criteria, facing stringent affordability checks, challenges in securing timely appointments, or finding it difficult to borrow the necessary amount.

In these scenarios, it becomes important to connect with a reliable mortgage broker in York, such as our dedicated team, ready to help you. Seeking guidance from a broker at an early stage positions you strategically for when you’re prepared to secure a mortgage deal. Our team is here to provide the support and expertise you need throughout your mortgage journey.

Searching Through 1000s of Mortgage Deals

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As your dedicated mortgage broker in York, we take a thorough approach to explore a wide range of residential and buy-to-let mortgage options on your behalf. Our extensive panel encompasses a diverse array of mortgage lenders, offering both mainstream and specialised products.

We encourage you to engage with us early in your home-buying journey, even before you commence property viewings with estate agents. This proactive step enables us to provide you with a comprehensive understanding of your budget. Additionally, we can prepare a mortgage agreement in principle document, giving you a potential edge over other homebuyers when it comes to making offers on properties.

At Yorkmoneyman, you can rely on us for clear, honest, and transparent mortgage advice in York. Our dedicated team is available seven days a week to guide you through the intricacies of the mortgage process and ensure you make informed decisions tailored to your unique needs.

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We Search 1000s of Mortgage Deals in York

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Mortgage Questions in York

How long does the process in York take?

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Our initial mortgage consultation, provided at no charge, usually takes around 30 minutes.

As a seasoned mortgage broker in York, we pride ourselves on efficiency, offering an agreement in principle within 24 hours after a brief phone call to gather necessary information. On average, the issuance of a formal mortgage offer typically takes about three to four weeks.

What documents will I need to provide for my mortgage in York?

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For employed individuals, the documentation typically includes three recent payslips and the latest P60 to validate income. Self-employed individuals in York usually need to provide the latest two years’ tax calculations and corresponding overviews.

Proof of identification, such as a driving license or passport, proof of address via utility bills, tax bills, or credit card statements, and a three-month bank statement are also required. This statement demonstrates deposit accumulation and provides explanations for any significant credits.

I’m self employed in York, can I get a mortgage?

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The positive news is that securing a mortgage while being self-employed in York is indeed feasible. To meet requirements, you’ll usually need to provide at least one year’s worth of accounts. Furnishing these documents significantly enhances your chances of mortgage approval.

The maximum mortgage amount is usually calculated by most lenders based on your salary and dividends, while others may consider your net profit, depending on the lender.

Can I get a mortgage in York with previous credit problems?

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Encouragingly, while prior credit issues may pose some challenges, obtaining a mortgage is not out of the question. It’s still achievable! In such cases, some lenders might request a slightly higher deposit, typically around 10-15%.

How much deposit do I need for a mortgage in York?

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Typically, most mainstream mortgage lenders require a minimum deposit of 5%. However, this percentage may be higher, depending on your individual circumstances, particularly if you have a history of previous credit issues.

Can I get a second mortgage in York?

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It is indeed feasible to manage two concurrent mortgages in York, provided you have the financial capacity to handle the monthly repayments for both. If your objectives include debt consolidation or home improvements, exploring the option of securing a second mortgage on your property could be a viable solution.

How long does an Agreement in Principle last?

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The validity of an Agreement in Principle (AIP) typically spans from 30 to 90 days, with the specific duration determined by the lender. If your AIP happens to expire, there’s no need for concern; a simple reconnection with your trusted mortgage advisor in York allows for its renewal.

When should I obtain an agreement in principle in York?

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As a dedicated mortgage broker in York, we strongly recommend obtaining an Agreement in Principle (AIP) as early as possible, ideally before embarking on property viewings. Securing an AIP beforehand may provide the potential advantage of negotiating prices while viewing houses.

How does the mortgage process work?

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Our mortgage process unfolds through several distinct stages, commencing with your initial contact.

A reliable mortgage advisor in York will conduct a thorough Fact Find to grasp the nuances of your unique mortgage situation. Following this, your free mortgage consultation with your designated mortgage advisor in York, lasting around 30 minutes, initiates the search for tailored mortgage deals.

Upon identifying a fitting offer, we proceed to kickstart the mortgage application process. A credit check is then performed to secure an Agreement in Principle, with the request for supporting documents to fortify your application.

The final stage involves the submission of your mortgage application, culminating in the awaited issuance of a formal mortgage offer.

How does the free initial mortgage consultation in York work?

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The initial free mortgage consultation with your dedicated mortgage advisor in York typically spans around 30 minutes. Throughout this session, a deep dive into your mortgage requirements allows us to gain a comprehensive understanding of your needs.

Armed with a clearer picture of your personal and financial situation, we embark on the search for mortgage deals that perfectly align with your preferences.

Free Mortgage Guides

Yorkmoneyman.com & Yorkmoneyman 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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Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm

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