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Fast & Friendly Mortgage Advice in York

Appointments Available on Evenings and Weekends

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

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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.

Book 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.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in York | Mortgage Advice in York  

Welcome to the online home of Yorkmoneyman. We are a mortgage broker in York, ready and waiting to help you with all your mortgage needs. By looking at your personal and financial circumstances to provide helpful advice.

 

We also have the means to help you find mortgage protection insurance, to keep you cover in the event that something unexpected were to happen during your mortgage term.

 

We have many expert Mortgage Advisors in York, each well-versed in varying lender criteria and possessing the necessary knowledge to handle a wide range of mortgage types. These can include but are not limited to, first time buyers, remortgages, people moving home in York, buy to lets, Right to Buy mortgages, mortgages for the self-employed, and the government Help to Buy Scheme.

 

If you want trustworthy mortgage advice in York, please feel free to get in touch with us. We can help you get your mortgage process started. With access to 1000s of mortgage products from a vast panel of lenders, we will always try and find the mortgage deal that’s right for you.

 

Get in touch to book a free mortgage consultation with one of our open and honest mortgage advisors in York today.

 

We aim to make your home buying and remortgaging process as stress-free and straightforward as possible. Going the extra mile, we will be on hand right through your journey seven days a week, from start to finish. 

 

How can we help you obtain a mortgage in York? 

Customers are the heart of this company, and this is something that is reflected when taking a look through our genuine reviews.

 

These are left by customers like yourself, and who benefited from the high level of service that we aim provide to everyone who gets in touch with us.

 

Yorkmoneyman has no ties with an estate agent, bank, or builder. We work solely for you. Our only aim is to help you achieve your mortgage needs by providing a high standard of Mortgage Advice in York.

 

Our Mortgage Advisors will recommend the best options for your circumstances, not only putting your mind at ease but answering any mortgage questions you have.

 

Utilising the large panel of lenders, enables us to search through thousands of deals. We will make sure to pick out the appropriate mortgage based on your situation.

 

Having over 20 years of experience in the industry, we have spoken to and helped so many customers achieve their mortgage dreams. There is rarely a situation that we haven’t come across. 

 

How our Mortgage Advice process works in York 

As a Mortgage Broker in York, our job is to find you the best mortgage or remortgage for your circumstances. But first, we need to get you booked in for a Free Mortgage Consultation. From there, you will speak to a qualified Mortgage Advisor.

 

Your Mortgage Advisor in York will gather essential information regarding your current financial situation during your initial consultation.

 

With this information in hand, we will search our various lenders to find you the most suitable mortgage product.

 

Next, we will then recommend you the best deal available. If you are happy to proceed, we can obtain your mortgage agreement in principle.

 

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 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 your Mortgage Broker in York 

As a experienced Mortgage Broker in York, we are ready to help you achieve your goals. Whether you are purchasing for the first time, moving home, looking to invest in a property, or just needing some Mortgage Advice, we will be happy to help.

 

Our Mortgage Advisors in York are on hand seven days a week. Sometimes, we have same-day appointments available, contact us today and start your mortgage journey.

 

To get in touch, please visit our Contact Page or give us a call on 01904 405975 and we’ll book you in for a Free Mortgage Consultation with a Mortgage Advisor in York.

Why choose us as your Mortgage Broker in York? 

As a Mortgage Broker in York, we have over twenty years of experience in the industry, so you can rest assured that you’re in safe hands.

 

We offer all of our customers a free initial mortgage consultation with a Mortgage Advisor in York. This consultation can be carried out on both evenings and weekends to suit a time convenient for you.

 

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, ensuring we secure you the best mortgage available for your circumstances.

 

If, for any reason, we cannot secure you a mortgage when you contact us. We will always try to advise the right course of action to improve your chances in the future. 

 

Why approach a Mortgage Broker in York rather than a bank? 

As a Mortgage Broker in York, our Mortgage Advisors work from a large panel of lenders. This means that we can search 1000s of deals to find you the best mortgage. Whereas if you approached your bank, they would be limited to offering only their products and not any other lenders.

 

We often find that customers who approach us have previously tried their banks but have declined a mortgage due to the strict lending criteria. In many of these cases, we can help. 

 

Mortgage Advice in York 

To get in touch, please visit our Contact Page or give us a call, and we’ll book you in for a Free Mortgage Consultation with a Mortgage Advisor in York. 

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 an hour, 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 an hour. 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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Yorkmoneyman

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

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