We love helping customers that really need mortgage advice in York - Something our Managing Director, Malcolm Davidson has been doing since 1997.
Our Customers Love Us
4.96 Rating172 Reviews
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.
8 hours ago
Excellent service from start to finish very helpful would recommend and use again
1 month ago
Fantastic, efficient service from Wayne & Jo. Would highly recommend
3 months ago
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
5 months ago
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 😬
5 months ago
Charlie outstanding once again, 2nd Mortgage I’ve now got from him and referred everyone I know! Thanks again to you and your team!
5 months ago
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.
6 months ago
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.
6 months ago
Why do you make me write in this box?
6 months ago
Both Matt and Debbie are very kind and patient! They are skillful and help me a lot! Appreciate them!
6 months ago
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.
7 months ago
Jason has been a massive help since i first went to him, is very quick with getting back to any problems we may have! Would recommend
7 months ago
I am genuinely delighted to share my exceptional experience with Dinah at Yorkmoneyman - Mortgage Brokers. From our initial conversation to securing an incredible mortgage rate, Dinah's professionalism, knowledge, and dedication truly stood...
7 months ago
Working with Dinah has been an absolute delight. She has supported the application process at every step and has made the whole process as stress-free as possible. I highly recommend her services.
8 months ago
Great service - quick, efficient and honest. Will be using again.
8 months ago
Provided an excellent service. Really impressed with the knowledge of the current mortgage market and provide good advice. Weren’t pushy and gave plenty of options based on what we required, wouldn’t have been an issue if we just walked away as...
8 months ago
The team were brilliant from first contact, talking through our options. And really listened to what we wanted. They were exceptionally thorough checking all the documentation ensuring everything was in place prior to putting the mortgage...
9 months ago
York moneyman was very helpful with both finding us the best rate for our initial mortgage and then again when it was time to remortgage. The remortgaging advice was particularly welcome in these challenging times as it was free and helped us get...
9 months ago
From start to finish, helpful and informative all the way. Sound advice and quick responses. Would absolutely recommend York moneyman to anyone and would use again definitely.
10 months ago
I used Yorkmoneyman service second time to remortgage my house and they were brilliant, happy with customer service, quick response, great communication and I would highly recommend.
11 months ago
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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%.
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.
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.
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.
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.
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.
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.
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
The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR