Mortgage Advice in Huntington

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First Time Buyer

Remortgage

Moving Home

Right to Buy

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Help to Buy

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Our team strive in providing open and honest Mortgage Advice in Huntington to help achieve your mortgage goals.

For your FREE mortgage consultation call 0190 440 5975

Book Online

For your FREE mortgage consultation call 0190 440 5975

Malcoms Image

Our team strive in providing open and honest Mortgage Advice in Huntington to help achieve your mortgage goals.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.95 Rating150 Reviews

Expert Mortgage Advice in Huntington

Through our time as an experienced Mortgage Broker in Huntington, we have dealt with a range of mortgage circumstances which means there is rarely a situation we haven’t come across before. Our exceptional service has helped a plethora of homeowners and homebuyers achieve their mortgage goals.

Here at Yorkmoneyman, we always strive for successful customer journeys regardless of if you are new to the property world, looking to move to another or are due a remortgage on your family home. We offer many mortgage options as seen below. As well as this, our team can help with various mortgage circumstances that may come up during your mortgage journey.

First Time Buyer in Huntington

Many of our customers who are looking to buy their first home get in touch with our team to get an idea of the suitable steps to take. The process for a First Time Buyer can be a significant milestone in their life which can be both exciting and daunting.

This is where our expert Mortgage Advisors in York & Huntington can help. They can provide support on beginning your mortgage journey by advising the most suitable steps to take to achieve the goal of purchasing your first home. Furthermore, we will be by your side from your initial appointment all the way through to getting the keys to your first home.

Buy to Let in Huntington

Whether you are a first time landlord or you have a large portfolio, our team can search through 1000s of products to find the one that is perfect for achieving your investment goals. Buy to Let is a popular choice as it can be very rewarding in the long run and is one our team encounter on a regular basis.

Here at Yorkmoneyman, our team of Mortgage Advisors in York & Huntington have grown relationships with many landlords who get in touch looking to build their property portfolios. This still applies regardless of if they are making a purchase in their name or with a SPV (Special Purpose Vehicle), like a Limited Company.

Remortgage in Huntington

If you are coming towards the end of your fixed term mortgage, you might want to go down the route of a Remortgage. Our team of Mortgage Advisors in York & Huntington can help you with the options available.

Remortgaging can be beneficial if you are looking to find a better deal, release equity to put towards home improvements, to raise capital or something else. This option is one that is suitable for homeowners who prefer to stay put in their current home.

Self Employed in Huntington

When it comes to self-employed applicants in York & Huntington, the one obstacle that you may encounter in the process is evidencing your income. You need to show that you have a consistent and sufficient income which can be a challenge, however, it still can be done.

Here at Yorkmoneyman, we have extensive experience in supporting many self-employed applicants on their mortgage journey. One of our expert Mortgage Advisors will look through your case in detail, recommend you the most suitable mortgage product as well as the next steps you should take. By doing this, you will more likely go through the process successfully.

Moving Home in Huntington

You might be a homeowner who is coming towards the end of your initial fixed period, you may be looking at the option of moving home. Many homeowners choose to move home instead of remortgaging. It could be for the need for more space for an office or to grow your family. Alternatively, you might want to move to a different location or want better living costs.

 

 

We understand the moving home process can be very stressful with having to find someone to buy your home, pack your belongings and make arrangements for your new home purchase. Our team strive in providing a high level of Mortgage Advice in York & Huntington and work hard in reducing your stress.

Why Yorkmoneyman?

Through our time as a reputable Mortgage Broker, we have helped a variety of customers on their mortgage journey. Our expert Mortgage Advisors in York & Huntington have encountered many mortgage scenarios that are common in the mortgage world.

 

 

As part of our tailored service, our team use their rich knowledge and extensive experience to find the best deal for your circumstance. By carrying out affordability checks and reviewing your credit file, our team will work hard in helping you go through the mortgage process successfully.

 

Our Team Are Available 7 Days A Week

Here at Yorkmoneyman, our hard working team of Mortgage Advisors are available if you have any mortgage questions during the process. We are available 7 days a week from early in the morning until late at night so you can contact us at a time that is best for you.

 

 

Customers are the heart of this company and we strive in providing each one with mortgage success. Get in touch with our team today!

 

Get in touch with your Mortgage Broker in Huntington

If you are looking for help with your mortgage, get in touch with an open and honest Mortgage Broker in York & Huntington today. One of our experienced Mortgage Advisors in York are available to provide a top level Mortgage Advice service in Huntington to help you achieve your mortgage dreams.

 

 

Whether you are looking at getting on the property ladder for the first time, wanting to move home, are a current or new landlord looking at getting a Buy to Let mortgage, or are just looking at obtaining Mortgage Advice in Huntington, our team are here to help in any way they can.

 

 

Book a free mortgage appointment or a free remortgage review today with one of our expert Mortgage Advisors in York & Huntington.

How do I transact with my Mortgage Broker in Huntington?

You’ll benefit from a free initial mortgage consultation with one of our experts. Out of hours mortgage advice isn’t a problem, we have in-house mortgage advisors working until late to take your mortgage enquiries. Give us a call, we may be able to help!

Why shouldn’t I go to my bank for Mortgage Advice in Huntington?

The banks’ mortgage advisors are only able to offer products from one lender – Themselves. Their mortgage advisors can also be rather hard to get an appointment with, so if you’re actively looking at properties or are ready to offer this can be very frustrating. Seeking advice from a professional mortgage broker can also work in your favour, as we can compare deals. We have a large number of mortgage lenders on panel, some with very specialist mortgage products available.

My bank turned me down – Will you be able to get me a mortgage?

Quite often, customers that contact us for mortgage advice have been turned away by their bank for reasons such as income types, credit score, property type and the bank won’t lend enough. More often than not, we are able to help with this.

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

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

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