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”.
4.96 Rating169 Reviews
Hayley
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
Peter
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 😬
Jack
Charlie outstanding once again, 2nd Mortgage I’ve now got from him and referred everyone I know! Thanks again to you and your team!
Jack
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.
Helen
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.
Nicholas
Why do you make me write in this box?
Wei
Both Matt and Debbie are very kind and patient! They are skillful and help me a lot! Appreciate them!
Sandra
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.
Daniel
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
Anonymous
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...
Jamie
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.
Liam
Great service - quick, efficient and honest. Will be using again.
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...
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...
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...
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.
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.
Anonymous
5* service throughout the process. Look no further, can 100% recommend.
Paul
Easy to deal with, sound advice following a review of your needs. Would highly recommend to anyone
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.
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
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!