Fast & Friendly Mortgage Advice in York
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We love being able to help customers who are after Mortgage Advice in York - it's not just about finding a mortgage, we will hold your hand through the full mortgage process.
To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01904 405975.
Enquire OnlineTo speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01904 405975.
We love being able to help customers who are after Mortgage Advice in York - it's not just about finding a mortgage, we will hold your hand through the full mortgage process.
Enquire Online4.96 Rating157 Reviews
Craig
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...
1 week ago
Carol
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...
2 weeks ago
David
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...
1 month ago
Louise
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.
1 month ago
Valentina
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.
2 months ago
Anonymous
5* service throughout the process. Look no further, can 100% recommend.
2 months ago
Paul
Easy to deal with, sound advice following a review of your needs. Would highly recommend to anyone
2 months ago
Richard
Tom and Chloe handled my mortgage application in a very professional and effective manner making the process simple for me as a first time buyer. I will definitely use them again when it comes to my mortgage review.
8 months ago
Anonymous
Were able to get us a great quote for a structural survey while also helping us all the way throughout the mortgage application process. They were great and I would rate them eight out of eight.
8 months ago
Guy
Friendly and efficient service with excellent communication. I would recommend to anyone seeking mortgage advice, I will be using them again when I come to seek a new mortgage deal.
8 months ago
Anonymous
Leanne was brill , really helped me out 👍🏻
10 months ago
Caitlin
After having a few problems with other companies I feel satisfied and less stressed talking to Leanne and feel my problem will be taken care of.
10 months ago
Harriet
We cannot thank yorkmoneyman enough, Jason and Jennifer are real experts and so professional, helpful, hardworking and kind. We would highly recommend and are two very happy customers. Thank you so much
11 months ago
Stacey
Everyone we dealt with was friendly and informative. Even after the mortgage was secured they checked in to see how things were going and helped out when things were moving slowly. Would highly recommend. ...
11 months ago
Sarah
We can not thank Matt and Louise enough for the help and support they have given. Moving for the first time in 18years, we had no idea what to do so it was amazing to have Matt supporting us through the process, advising us of the best products to...
1 year ago
Emily
Always very happy to chat and answer any questions. Friendly and approachable. Quick to respond by phone or email. As a first time buyer they really helped me understand the whole process.
1 year ago
Olivia
Yorkmoneyman were great, they delivered a friendly and helpful service. We felt like we were in safe hands.
1 year ago
Holly
Chloe, Jason and the rest of the team have been fantastic in guiding us through a complicated buying process. We’d definitely use these again, and would recommend other to do the same.
1 year ago
Anonymous
Very happy with the service I received. Charlie was always there to guide me through the process and answer all my questions. Would highly recommend their services.
1 year ago
Laura
Yorkmoneyman has been super helpful, very friendly and generally prompt to respond. They have helped us secure our mortgage offer super quickly and we are grateful for their support, special thanks to Leo and Meghan.
1 year ago
- Mortgage Advice
- Why Us?
Mortgage Broker in York | Mortgage Advice in York
Welcome to the online home of Yorkmoneyman. We are a long-standing, expert mortgage broker in York, ready and waiting to help everyone we can that gets in touch, with their mortgage needs. We’ll review your circumstances and provide the best mortgage advice we can, that will help you along the way.
Our team of mortgage advisors in York not only have the means of helping you with all of your mortgage goals, but we are also able to offer insurance advice too. Our dedicated protection advisors in York will make sure you’re covered against anything unexpected that could occur, protecting your families finances.
We have a great team of mortgage advisors in York, each well-versed in mortgage lender criteria and possessing the necessary knowledge to handle a wide range of mortgage types. We are able to help with first time buyer mortgages, remortgages, people moving home in York, buy to let mortgages, Right to Buy mortgages, mortgages for the self-employed, and later life lending options, such as equity release or retirement mortgages.
If you are looking for open & honest mortgage advice in York, please feel free to book your free mortgage appointment. We can help you get your mortgage process started. With access to 1000s of mortgage products from a vast panel of mortgage lenders, we will always try and find the mortgage deal that is best for you.
It is our aim to make your home buying and remortgaging process as stress-free and simple as we possibly can. We like to go the extra mile and will be on hand right through your journey, from start until completion.
How can we help you obtain a mortgage in York?
Customers are the heart of everything we do as a company, and this is something that we feel is shown well when you look at our genuine reviews.
These reviews are left by very happy Yorkmoneyman customers who loved the service we provided them. It’s our goal to make sure that everyone who contacts us receives the same level of service.
Here at Yorkmoneyman, our trusted and experienced mortgage advisors in York will recommend the best mortgage options for you, based on your personal circumstances. We hope that we’ll not only be able to answer your questions, but put your mind at ease.
Using a large panel of mortgage lenders, our team are able to take a look through thousands of deals. We will do our best to find the most suitable mortgage deal for you, that is right for your personal and financial circumstances.
Having over 20 years of experience in the world of mortgages, we have spoken to many customers and helped them towards achieving their mortgage dreams. There is rarely a situation that we haven’t come across before.
How Mortgage Advice in York Works
As a dedicated mortgage broker in York, our job is to find you the best mortgage or remortgage for your circumstances. In order to achieve this, you’ll need to get booked in for your free mortgage appointment with a member of our team.
From there, you will get to speak with an experienced and qualified mortgage advisor in York. Your mortgage advisor in York will gather essential information regarding your current financial situation during your initial chat with them.
With this information on hand, we will search through our panel of mortgage lenders to find you the most suitable mortgage product.
Next, we will then recommend you the best deal available to you. If you are happy to proceed with this deal, we can obtain your mortgage agreement in principle, typically within 24 hours of this initial appointment.
Once you have had an offer accepted, you will then need to speak with your mortgage advisor in York to proceed with your full mortgage application.
Then we will submit your full mortgage application and assign you a dedicated case handler who will keep you updated on the process, until the point where we receive your formal mortgage offer.
We will help take the stress away and overcome hurdles that get in the way of your home buying or remortgage journey.
Contact a Mortgage Broker in York
As a experienced mortgage broker in York, we are ready to help you achieve your goals for a mortgage in York. Whether you are a first time buyer, moving home, looking at a buy to let mortgage, or just needing some general mortgage advice in York, we will be happy to help.
Our team of trusted mortgage advisors in York are on hand every day of the week to help from early until late. Book your free mortgage appointment today, subject to availability.
Why choose us as your mortgage broker in York?
As an experienced and reputable mortgage broker in York, we have over two decades of experience within the mortgage industry, so you can rest assured that you’re in safe hands with us.
We offer all of our customers a free initial mortgage appointment with a dedicated mortgage advisor in York. This appointment can be carried out at times convenient to you, early until late, 7 days a week, including weekends and some bank holidays, subject to availability.
Customer service is at the heart of our team here at Yorkmoneyman, and this shines through in our customer reviews. We will always be open and honest with our mortgage advice in York, ensuring that the mortgage deal that we recommend for you is the absolute best one for your personal and financial position.
Whilst we are confident in our abilities to help our customers, sometimes a mortgage just isn’t viable. Worry not, as our dedicated mortgage advisors in York will advise on and ways you can improve your chances of mortgage success in the future. When it becomes an option for you, we’ll be right here to pick up where we left off.
Why approach a Mortgage Broker in York rather than a bank?
As a mortgage broker, our mortgage advisors in York work from a large panel of mortgage lenders. This means that we can search 1000s of deals to find the right mortgage deal for you. Approaching a bank directly on the other hand, would see you only being able to match up with deals from one mortgage lender.
We often find that customers who approach us have previously tried their luck at obtaining a mortgage from going to their bank first, but have found themselves being declined due to the strict lending criteria that is present. Whilst it may seem like the end of the road, do not worry as more often than not, we are able to help.
Get in Touch for Mortgage Advice in York
To speak with a mortgage advisor in York, feel free to either visit our contact page, book in for a free mortgage appointment using the online form, or give us a call today on 01904 405975.
Mortgage advice in York – Options:
We search 1000's of mortgage deals across a large number of lenders, including:
Common mortgage questions
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 relevent documentation and a valutation 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.
Your free initial mortgage consultation will approximately last 30 mins. During the consultation, we will ask you some questions and get a bigger picture of your personal and financial mortgage situation.
After the consultation, your dedicated Mortgage Advisor in York will begin searching for mortgage products, trying to secure you one that’s more competitive than your current rate. Once we find a product for you, it’s up to you whether you want to take the offer or not. If so, we can get the ball rolling and start the mortgage application submission process.
Yes, you can obtain a second mortgage in some cases. Whether it’s for home improvements, debt consolidation, for a Buy to Let or a holiday home, you should know that our Mortgage Advisors in York can help you with this.
When making a deposit on a property, High Street lenders will usually ask for a minimum of a 5% deposit. If you’ve had previous credit problems you may be asked to provide a higher deposit.
You may find it slighter harder to get accepted for a mortgage with previous credit problems, however, it’s not impossible! The difference is that you may be asked to put down a higher deposit than usual, perhaps 10-15% of the property purchase price.
If you manage to submit at least one year’s accounts, you are able to get a mortgage. As a Mortgage Broker in York, we see that a lot of lenders use your salary plus dividend to work out the maximum mortgage amount that you would be able to borrow. We’ve also seen some lenders go off your net profit.
Here are all of the documents that you’ll need to support your mortgage application in York
- Photographic ID (Driving license, Passport, etc.).
- Proof of Address (Utility bills, tax bills, credit card statements, etc.).
- Latest 3 months’ payslips & Latest P60 (employed applicants)
- Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
- 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.
Once you obtain an Agreement in Principle, it should last around 30-90 days. This will depend on the lender that you’ve used.
If your Agreement in Principle expires, you can easily renew it by contacting your Mortgage Broker in York or your lender.
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