Open & Honest Mortgage Advice in Driffield

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"Book yourself in for a free mortgage appointment to speak to one of our expert Mortgage Advisors in Driffield."

For your FREE mortgage appointment with a mortgage advisor in Driffield, book online.

Book Online

For your FREE mortgage appointment with a mortgage advisor in Driffield, book online.

Malcoms Image

"Book yourself in for a free mortgage appointment to speak to one of our expert Mortgage Advisors in Driffield."

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.95 Rating149 Reviews

Open and Honest Mortgage Advice in Driffield

If you are looking for a helping hand on your mortgage journey – our team are here to help! With over 20 years of experience, we have had the chance to help thousands of customers with varying mortgage situations. Whether you are looking for a purchase or remortgage deal – we can help you get through your mortgage journey.

Our goal within Yorkmoneyman is to provide a stress-free and top-level service that can help you achieve your mortgage goals. As well as this, we treat each customer’s situation as an isolated case by looking into your personal and financial circumstances to find you the most suitable deal.

 

Furthermore, when you get in touch with our team to give us more insight into your mortgage situation we can book you a free mortgage appointment with one of our expert Mortgage Advisors in Driffield. There is also the option to book your free mortgage appointment online. We know that each customer has a different schedule and lifestyle which is why we have flexible availability with appointments available on weekends.

 

Mortgage Options in Driffield

We offer a range of mortgage options, however, below shows the most popular options in Driffield.

 

First Time Buyer in Driffield

Stepping into the mortgage world for the first time can be a daunting experience with many First Time Buyers having little understanding of mortgage process. With one of our Mortgage Advisors in York by your side, you can begin your mortgage journey knowing that you are in safe hands. The will help with the amount you will be able to borrow for your first mortgage as well as carrying out an affordability assessment.

 

Within your initial free mortgage appointment, you will be able to speak to your dedicated Mortgage Advisor in Driffield. This will give you the chance to ask any questions and get insight on anything you may be unsure about.

Moving Home in Driffield

As an applicant who is looking at Moving Home in Driffield, it’s very likely that you will have more insight into the mortgage process in comparison to a First Time Buyer. Even though you have gone through the mortgage process before, it doesn’t mean our team can’t help.

 

The overall impression of the Moving Home process is that it can be stressful with making sure the buying process and selling process end simultaneously. The good news is that our hard working team can help with finding you a deal suitable for your situation along with the other mortgage aspects while you focus on packing up your belongings and selling your current property.

 

Buy to Let Mortgage in Driffield

Through our 20 years in the mortgage industry, we have built up working relationships with many landlords in York . Having a Mortgage Broker in York by your side as a new or existing landlord can help with achieving your Buy to Let goals.

 

We have access to a large variety of lenders with many offering Buy to Let mortgage products. Our team will search through these deals to find the most that are fitting for your circumstance. When it comes to a Buy to Let property, you are required to put down a 25%-40% deposit as well as be able to afford two lots of mortgage payments on a monthly basis.

Remortgaging in Driffield

Remortgaging usually happens when you come to the end of your fixed mortgage term. This is where you can explore your Remortgage options which is something many people forget to do which will result in you being automatically placed onto the lender’s standard variable rate. This can mean your monthly mortgage payments could increase which is why people look at exploring other options.

 

If you approached us for your initial mortgage you will receive a reminder from us 6 months prior to your fixed term ending. We do this in order to encourage you to look into your options early to prevent you from going onto a lender’s standard variable rate. Our knowledgeable Remortgage Advisors in Driffield can help find you a deal that matches your circumstances and remortgage goals.

 

Self Employed in Driffield

One challenge that many self-employed applicants in York & Driffield have to overcome is evidencing your income. You need to show to the lender that you have a consistent and sufficient income which can be difficult, but not impossible.

 

Our team have dealt with many self-employed applicants achieve their mortgage goal. Your dedicated Mortgage Advisor in Driffield will review you case in detail and will find you the most appropriate mortgage product along with providing guidance on the next steps to take. By doing this, you will likely go through the process successfully.

 

Why Choose Yorkmoneyman?

Being open and honest to our customers is important to us, we want to provide you with the best options for your circumstance. With this in mind, we will look into finding you a mortgage product that is competitive and appropriate for your personal and financial circumstances., however, we will be honest with you if we feel you should stick with your current product.

 

All our customers have varying personal/working lifestyles. With availability 7 days a week, you can book your free mortgage appointment at a time that fits with your schedule.

 

Our Mortgage Advisors in Driffield have extensive experience with every mortgage situation through working with customers with varying mortgage needs. Check out the range of services we offer on our website.

 

With access to a large panel of lenders offering both specialist and high street products, we can search through 1000s of deals to find the most suitable one for your financial situation.

 

Contact your Mortgage Broker in Driffield

Get in touch with a Mortgage Broker in York & Driffield if you are looking for a helping hand on your mortgage journey. Our team of Mortgage Advisors in York are here to provide fast & friendly Mortgage Advice in York & Driffield to help you achieve your mortgage goals.

 

Whether you are looking to buy your first home, wanting to move home, are a current or new landlord looking to obtain a Buy to Let mortgage, or are just looking to obtain Mortgage Advice in Driffield, our team are here to provide support in any way they can.

How do I transact with my Mortgage Broker in Driffield?

Once you get in touch with us or book your free mortgage appointment online, your Mortgage Advisor in Driffield will be right by your side throughout the whole process. You can choose to converse via email, over the phone or over video call.

Book online for Free

Our new 'book online' feature allows you to book online and choose your own date and appointment time. Simply answer the questions and provide us with your contact information so we can get back in touch with you.

I've been declined by my bank, can you help?

We have a range of specialist mortgage products that we can access to help with this situation, however, it does depend on your situation. Reach out to us and we will learn more about your situation so that we can see whether we can help or not.

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.

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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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Yorkmoneyman

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

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