As your trusted mortgage broker in Bedale, 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 Bedale!
We have made it nice and easy to book your free mortgage appointment with a mortgage advisor in Bedale. 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 Bedale. You will also be able to ask as many questions as you would like regarding your mortgage situation. Here your mortgage advisor in Bedale 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 Bedale 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.
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 Bedale requires assessing how much you can borrow and determining your overall affordability. As your dedicated mortgage broker in Bedale, 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 Bedale 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.
When transitioning to a new home in Bedale, 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.
Whether you’re considering a mortgage for a buy to let property, holiday let, let to buy, or HMO, our mortgage advisors in Bedale 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 Bedale, 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.
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 Bedale 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.
For self employed individuals in Bedale, the mortgage process closely mirrors other scenarios, with a distinct emphasis on providing evidence of your income.
Our dedicated mortgage advisor in Bedale 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.
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.
Our Customers Love Us
4.96 Rating172 Reviews
They have been brilliant. Kept me informed and tried their best to get me to a point where I could apply for a mortgage. Only note to say is before committing wait for fully reviewed, not a criticism of UK money man and more just advice.
1 week ago
Excellent service from start to finish very helpful would recommend and use again
1 month ago
Fantastic, efficient service from Wayne & Jo. Would highly recommend
3 months ago
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
5 months ago
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 😬
5 months ago
Charlie outstanding once again, 2nd Mortgage I’ve now got from him and referred everyone I know! Thanks again to you and your team!
6 months ago
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.
6 months ago
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.
6 months ago
Why do you make me write in this box?
6 months ago
Both Matt and Debbie are very kind and patient! They are skillful and help me a lot! Appreciate them!
6 months ago
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.
7 months ago
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
7 months ago
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...
7 months ago
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.
8 months ago
Great service - quick, efficient and honest. Will be using again.
8 months ago
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...
9 months ago
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...
9 months ago
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...
10 months ago
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.
10 months ago
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.
11 months ago
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 Bedale. As a responsive mortgage broker in Bedale, we operate seven days a week, ensuring that you can contact us at a time that suits your schedule.
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 Bedale 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.
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.
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!
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.
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.
Providing open and honest mortgage advice in York you can get mortgage advice in Bedale 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 Bedale, simply follow our “Get Started” process and get in touch!
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!
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 Bedale 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.
Typically speaking, your initial free remortgage consultation in Bedale 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!
When you take out a Remortgage in Bedale, 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 Bedale, 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.
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.
As your Mortgage Broker in Bedale, 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.
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 Bedale.
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.
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.
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.
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.
If you manage to submit at least one year’s accounts, you are able to get a mortgage. As a Mortgage Broker in Bedale, 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 Bedale:
As a Mortgage Broker in Bedale, 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.
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 Bedale, 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!