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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 Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01904 405975.

Malcoms Image

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 Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

See More Mortgage Options

Reviews Stars4.96 Rating157 Reviews

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:

First Time Buyer Mortgage Advice York

Our Mortgage Advisors in York are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice York

Simply, wanting to know how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice York

Seeking a better mortgage deal, to reduce or extend the term, to add or remove a name, or raise money on your home?

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

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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.

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

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
www.financial-ombudsman.org.uk

© 2023 Yorkmoneyman

Yorkmoneyman, York Hub, Popeshead Court Offices, Peter Lane, York, YO1 8SU.

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