Read our 150 Reviews
The best thing about our job as a Mortgage Broker in York is helping our clients navigate through the often stressful experience of buying a home or remortgaging. It can be a complicated process and our clients love having someone on their side from start to finish to ensure they get the right advice.
We do pride ourselves on providing a highly responsive service, communication is everything in this job. We work from a large panel of well-known high street banks and building Societies to ensure our clients get the best deal available to them but we also work with smaller, more specialist Lenders too for when we come across clients who don’t “tick all the boxes”.
4.95 Rating150 Reviews
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.
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.
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.
Leanne was brill , really helped me out 👍🏻
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.
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
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. ...
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...
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.
Yorkmoneyman were great, they delivered a friendly and helpful service. We felt like we were in safe hands.
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.
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.
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.
Excellent from start to finish. Thorough and understands both the market exceptionally well and identifies your needs effectively. Communication has been first-rate all the way through despite several false starts, they have stood by and ensured a...
My second time using Yorkmoneyman and once again a seamless service from end to end! Couldn’t wish for a better broker to deal with my mortgage! Ryan and Lyndsey made it easier, worry free and had great comms throughout! Thank you both!
Very helpful and very responsive. Leo was fantastic at helping us understand what our options were and helping us get the mortgage we needed. Once ready Meghan got everything going swiftly and the next we heard we had the mortgage! Would highly...
Moneyman has helped us find a great deal and have been very patient in a tumultuous house buying process. They have been professional and courteous throughout. Highly recommended.
Was introduced to Charlie at initial stage of our remortgaging process. Very friendly and professional.He took us through the process smoothly before handing over to case manager Megan Burch who was equally friendly,helpful and...
Great service from Joe and Kayleigh. Prompt and professional communication, an easy way to apply for a mortgage.
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
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.
Our Managing Director Malcolm founded the company with his wife Amy in 2009. He still loves seeing customers to this day and he eats, sleeps and breathes Mortgages!
His real passion is to help customers get the best mortgage deal available to them and guiding First Time Buyers safely through the daunting process of getting onto the property ladder.
His most embarrassing moment came some years ago when he accidentally got locked in a customer's bathroom - don't ask!