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Mortgage Broker in Acomb

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01904 405975Speak to an Advisor - It's Free!

Mortgage Broker in Acomb

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 01904 405975

Mortgage Advice in Acomb

As your trusted mortgage broker in Acomb, our mission is to offer unwavering support and guidance throughout your entire mortgage journey. From the initial steps to the final stages, we are committed to ensuring a seamless and stress-free experience as you navigate the complexities of securing a mortgage.

Our dedicated team doesn’t just stop at finding the right mortgage product for you and your property. We go the extra mile by assisting you in preparing your mortgage application and identifying the most suitable insurance products for you and your family. No matter the specifics of your mortgage situation, we extend an invitation for a complimentary mortgage appointment for every customer. Feel free to reach out, and let’s explore how we can assist you.

With over two decades of experience in the mortgage sector, we have successfully helped a diverse range of applicants secure excellent and competitive mortgage products. This is more than a service; it’s our commitment as your mortgage broker in Acomb!

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Your Mortgage Options in Acomb

All of our Customers Receive a Free Mortgage Appointment!

We have made it nice and easy to book your free mortgage appointment with a mortgage advisor in Acomb. Our modern “Book Online” system allows you to select a date and time for your mortgage appointment there and then. Alternatively, you could give us a call and organise a date and time over the phone with one of our team members.

During your free mortgage appointment, you will get the opportunity to speak with a mortgage advisor in Acomb. You will also be able to ask as many questions as you would like regarding your mortgage situation. Here your mortgage advisor in Acomb will also get to learn a bit more about your personal and financial situation by also asking you questions about your scenario and what you are looking to achieve.

All of this information will help them find you the perfect mortgage product for your specific circumstances. Following your appointment, your mortgage advisor in Acomb will go away and try and find you the perfect mortgage product for you and your property. On our panel of lenders, we are able to search 1000s of mortgage products to try and find one tailored to your needs.

Don’t hesitate to get in touch, even if you are in a slightly bizarre or complicated situation. It is likely that we have already faced the same or if not a similar issue before. We love a challenge and would like to offer a helping hand.

Our Reviews

Your Mortgage Options in Acomb

First Time Buyer Mortgages in Acomb

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Embarking on the journey of purchasing your first home can be a unique and unfamiliar experience, particularly when it comes to the mortgage aspect of the process. Initiating your first time buyer mortgage process in Acomb requires assessing how much you can borrow and determining your overall affordability. As your dedicated mortgage broker in Acomb, we can assist you with this crucial step during your complimentary mortgage appointment.

A significant aspect of your homebuying journey involves preparing your mortgage application. It’s essential to ensure that your application reflects your affordability and includes all the necessary supporting documents. A mortgage broker in Acomb will guide you through this process, assisting in the preparation of your application to meet the criteria and expectations of lenders. Our goal is to ensure your application is in optimal shape, positioning you for success in securing your first home.

Moving Home Mortgages in Acomb

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When transitioning to a new home in Acomb, the process extends beyond simply leaving your current residence; it involves selling your current home and addressing the associated mortgage considerations. Moving homes can undoubtedly be a source of stress, and we’re here to alleviate that burden during this busy period.

If porting your mortgage is not feasible or the associated costs are becoming prohibitive, the next step is finding a suitable mortgage product for your new property. Our team is equipped to search through thousands of mortgages, ensuring we identify a competitive and fitting mortgage product for you and your new home. With access to both high street and specialist lenders on our panel, we can navigate the options on your behalf, simplifying the process and streamlining your transition to a new home.

Buy to let Mortgage Acomb

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Whether you’re considering a mortgage for a buy to let property, holiday let, let to buy, or HMO, our mortgage advisors in Acomb are ready to assist. With over 20 years of experience working with buy to let landlords in York and the surrounding areas, we bring a wealth of knowledge and expertise to the buy to let sector.

If you’re looking to consult with a buy to let mortgage advisor in Acomb, you can easily book a free mortgage appointment online. Simply choose a date and time that suits your schedule. Alternatively, you can reach out to us via phone 7 days a week if you prefer. Our team is dedicated to providing guidance tailored to your specific buy to let needs.

Remortgaging in Acomb

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As your current fixed mortgage term approaches its end, it’s crucial to consider the process of remortgaging. Remortgaging involves transitioning to a new mortgage product to replace your existing deal. Ideally, the search for a new product should commence six months before your current deal expires.

Failing to remortgage before the conclusion of your current fixed term will result in transitioning to your lender’s standard variable rate of interest, likely leading to higher monthly repayments. To secure the most suitable remortgage product for your needs, our team will comprehensively explore the entire remortgage market. Your dedicated remortgage advisor in Acomb will evaluate thousands of offers to identify the best fit for you.

Did you know there are additional remortgage options available? These include remortgaging for home improvements, equity release, and debt consolidation. If you’re interested in exploring these options or planning to achieve specific goals through remortgaging, feel free to reach out or conveniently book a free remortgage review online.

Self Employed Mortgages Acomb

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For self employed individuals in Acomb, the mortgage process closely mirrors other scenarios, with a distinct emphasis on providing evidence of your income.

Our dedicated mortgage advisor in Acomb will assist you in understanding the specific documents required. Similar to other mortgage types, they will conduct a thorough affordability assessment and navigate the available deals to identify those best suited to your unique situation.

Mortgage Options for Over 50s in Acomb

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If you are looking to explore your mortgage options with a member of our later-life mortgage team, all that you need to do is book your free mortgage appointment online. We have an in-house later-life team dedicated to helping you with your mortgage.

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Our Simple 4-Step Process

Book Online

Step 1

Take control of the first step by reaching out to us and booking your free mortgage appointment with one of our skilled mortgage advisors in Acomb. As a responsive mortgage broker in Acomb, we operate seven days a week, ensuring that you can contact us at a time that suits your schedule.

Free Mortgage Apppointment

Step 2

During this appointment, you’ll have the opportunity to engage with an expert familiar with your mortgage situation. Expect questions about your personal and financial circumstances, allowing your mortgage advisor in Acomb to identify the perfect mortgage product for your needs. Once we’ve found the ideal mortgage product, we’ll present it to you in the form of a mortgage illustration.

Finding a Suitable Product

Step 3

Should you decide to proceed with us and the deal, we can move to the next stage—preparing your mortgage application! At this point, you’ll be assigned your dedicated case manager who will assist you in preparing all the necessary documents to support your mortgage application. They’ll handle all the mortgage-related aspects of the process, and when you’re ready, we can submit your application.

Submit Your Application

Step 4

Following the submission of your mortgage application, all that remains is to await a response from your mortgage lender. Once we receive the good news, we’ll promptly inform you. Now, it’s time to collect the keys to your new property!

Reasons to Choose us

Free Appointment in Acomb

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As a responsive mortgage broker in York, we operate seven days a week. The brilliant reviews we have generated portray the experience we deliver to our customers. Each review shows us how much our service has benefited someone in finding the perfect mortgage product. Take a look at our reviews page for an insight into how we have helped our customers.

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in York we have access to 1000s of mortgage products on our vast panel of lenders. We can search through both high street and specialist products in order to find one with the most suitability to your personal and financial situation.

Our Service

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Providing open and honest mortgage advice in York you can get mortgage advice in Acomb by simply looking at our mortgage guides on our website. Alternatively, if you want to ask a question to one of our mortgage advisors in Acomb, simply follow our “Get Started” process and get in touch!

7 Days a Week

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Even if you are facing a complex situation, we still recommend reaching out to a mortgage broker in York. We have helped applicants through complicated, difficult situations before, in some cases, where the applicant thought that it was impossible to get a mortgage. That’s why we encourage all applicants to still get in touch; you never know, we might have solved the same issue in the past!

Malcolm and Amy Davidson - Mortgage Advice in York

Common Mortgage Questions in Acomb

How does the free initial mortgage appointment work in Acomb?

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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 Acomb 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.

How does the free Remortgage review work in Acomb?

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Typically speaking, your initial free remortgage consultation in Acomb will last around 60 minutes. We will then compare a new deal vs your current product and recommend the most appropriate one, which you are not obligated to accept. You can then decide whether you want to proceed with the deal, or step back; it’s completely up to you!

Are there fees involved in Remortgaging in Acomb?

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When you take out a Remortgage in Acomb, there will be some extra fees that you’ll need to consider. These fees will be similar to the ones you received when you took out your current mortgage. As an open and honest Mortgage Broker in Acomb, we will break down these fees for you so that you know exactly what you’re paying for.

We will also try and save money in areas that you’d think you wouldn’t be able to. We take all fees into consideration and compare the savings of your new deal vs your current one.

Can I get a mortgage in Acomb with previous credit problems?

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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.

How does the Mortgage process in Acomb work?

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As your Mortgage Broker in Acomb , 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.

How Long Does an Agreement in Principle last in Acomb?

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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 Acomb.

How long does the process take in Acomb?

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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 weeks.

How Much Deposit Do I Need in Acomb?

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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.

How much deposit do I need for a Buy to Let in Acomb?

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The deposit needed for a Buy to Let mortgage can vary. It could be anywhere between 20-40%. The typical amount that a lender will ask for is 25% of the property value.

How much deposit do I need for a Right to Buy mortgage in Acomb?

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The council will provide a discount which will likely be used as your deposit. Your lender may use discount as your deposit as well as asking for an additional deposit from your own funds. If you’ve had credit issues in the past, this is the road that the lender is likely to go down.

I'm Self-Employed in Acomb, can I get a Mortgage?

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If you manage to submit at least one year’s accounts, you are able to get a mortgage. As a Mortgage Broker in Acomb, 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.

What Documents Will I Need to Send for my Mortgage in Acomb?

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Here are all of the documents that you’ll need to support your mortgage application in Acomb:

  • 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.

When should I obtain an Agreement in Principle in Acomb?

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As a Mortgage Broker in Acomb, 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.

Why should I bother to Remortgage in Acomb?

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When you finish your fixed mortgage term, you will move straight onto your lender’s standard variable rate of interest (SVR). Your lender’s SVR is likely to be of a higher rate of interest than your current mortgage deal, so you will want to Remortgage in York to avoid these extra monthly costs.

The key to remortgaging is to shop around for deals. As a Remortgage Broker in Acomb, we can help you with this and try to find you a perfect deal that is not only more competitive than your last product but is more suited to your personal and financial situation!

We Search 1000s of Mortgages in Acomb

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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

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

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