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Mortgage Broker in Driffield

& 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 Driffield

& 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 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.

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Your Mortgage Options in Driffield

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 Driffield. 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 Driffield. You will also be able to ask as many questions as you would like regarding your mortgage situation. Here your mortgage advisor in Driffield 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 Driffield 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.

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Your Mortgage Options in Driffield

First Time Buyer Mortgages in Driffield

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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 Driffield 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 Mortgages in Driffield

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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 Driffield

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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

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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 Mortgages Driffield

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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.


Mortgage Options for Over 50s in Driffield

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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 Driffield. As a responsive mortgage broker in Driffield, 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 Driffield 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 Driffield

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As a responsive mortgage broker in York, 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.

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in York 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.

Our Service

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Providing open and honest mortgage advice in York you can get mortgage advice in Driffield 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 Driffield, simply follow our “Get Started” process and get in touch!

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in York

Common Mortgage Questions in Driffield

How does the free initial mortgage appointment work in Driffield?

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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 Driffield 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 Driffield?

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Typically speaking, your initial free remortgage consultation in Driffield 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 Driffield?

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When you take out a Remortgage in Driffield, 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 Driffield, 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 Driffield 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 Driffield work?

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As your Mortgage Broker in Driffield, 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 Driffield?

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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 Driffield.

How long does the process take in Driffield?

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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 Driffield?

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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 Driffield?

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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 Driffield?

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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 Driffield, 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 Driffield, 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 Driffield?

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

  • 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 Driffield?

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As a Mortgage Broker in Driffield, 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 Driffield?

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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 Driffield, 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!

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Foundation Home Loans & 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

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