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Mortgage Broker in Northallerton

& 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 Northallerton

& 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 Northallerton

As your dedicated mortgage broker in Northallerton, our role is to offer our support and guidance throughout your entire mortgage journey. From the initial stages to the completion, we’re committed to ensuring a stress-free and seamless experience with your mortgage.

Our services extend beyond merely identifying a suitable mortgage product for you and your property. We actively assist in preparing your mortgage application and go the extra mile to help you find the most fitting insurance product for both you and your family. Whether you’re facing a straightforward or complex mortgage situation, every customer is welcome to benefit from a complimentary mortgage appointment. Feel free to reach out, and we’ll explore how we can assist you.

With over 20 years of expertise in the mortgage sector, we take pride in our track record of helping all types of mortgage applicants secure excellent and competitive mortgage products. This is not just a job for us; it’s our commitment as your trusted mortgage broker in Northallerton!

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Your Mortgage Options in Northallerton

All of our Customers Receive a Free Mortgage Appointment!

Booking a free mortgage appointment with a mortgage advisor in Northallerton is made easy through our simple “Book Online” system. Simply pick your preferred date and time on the spot. Alternatively, a quick call to our team allows you to arrange a date and time over the phone with one of our team members.

During your free mortgage appointment, you’ll have the opportunity for a conversation with a knowledgeable mortgage advisor in Northallerton. Feel free to pose any questions about your mortgage situation. In this session, your mortgage advisor in Northallerton will delve into your personal and financial landscape, asking questions about your scenario and what you aim to achieve.

All this information forms the basis for finding the perfect mortgage product tailored to your specific circumstances. Post-appointment, your mortgage advisor in Northallerton will diligently explore our extensive panel of lenders, sifting through thousands of mortgage products to discover the ideal fit for you and your property.

Don’t hesitate to reach out, even if your situation seems slightly unusual or complicated. Chances are, we’ve encountered a similar challenge before!

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Your Mortgage Options in Northallerton

First Time Buyer Mortgages in Northallerton

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Embarking on the journey of buying your first home can be a stressful experience, partially because you won’t know where to start!

Starting your first time buyer mortgage journey in Northallerton involves assessing how much you can borrow and determining your overall affordability. As your mortgage broker in Northallerton, we can handle this for you during your free mortgage appointment.

A significant aspect of your journey is the preparation of your mortgage application. Ensuring that it reflects your affordability and is supported by all the necessary documents is crucial. A mortgage broker in Northallerton like us, plays a pivotal role in guiding you through this process, helping you complete and refine your application to align with the expectations of lenders.

Moving Home Mortgages in Northallerton

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The process of moving home in Northallerton involves more than just moving out of the property, you must also sell it and make new mortgage arrangements. Our job is to alleviate this stress during this time and handle all mortgage aspects of the process, allowing you to focus on the moving part!

If porting your mortgage is not feasible or the associated costs are becoming too much, the next step is to find you a suitable mortgage product for your new property. To do this, we can search through 1000s of mortgages to find you a competitive mortgage product tailored to you and your new home. Our panel includes both high street and specialist lenders, and we can access them on your behalf.

Buy to let Mortgage Northallerton

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

If you wish to engage with a buy to let mortgage advisor in Northallerton like us, booking a free mortgage appointment is a simple process. You can conveniently schedule a date and time that suits you through our online booking system.

Alternatively, if you prefer direct communication, feel free to give us a call seven days a week.

Remortgaging in Northallerton

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As your current fixed mortgage term approaches its end, it’s crucial to consider remortgaging in Northallerton. 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.

If you do not remortgage before the end of your current fixed term, it will result in a transition to your lender’s standard variable rate of interest. This rate is likely higher than your current one, leading to increased monthly repayments. Our team will thoroughly explore the entire remortgage market to identify the most suitable product for your switch. Your remortgage advisor in Northallerton will assess thousands of offers to determine the best fit for you.

There are also alternative remortgage options available. These include remortgaging for home improvements, releasing equity, and consolidating debt. If you wish to learn more about these options or are considering them through a remortgage, feel free to reach out or schedule a free remortgage review online.

Self Employed Mortgages Northallerton

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Being self employed in Northallerton won’t drastically alter the mortgage process, but there’s a notable difference, the need to furnish evidence of your income.

Your mortgage advisor in Northallerton will assist you in understanding the extra documentation required for a self employed mortgage in Northallerton. Similar to other mortgage situations, they’ll perform an affordability assessment and delve into the available deals tailored to your circumstances.

Mortgage Options for Over 50s in Northallerton

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If you’re interested in the possibility of taking out a mortgage over the age of 55, first you should explore your options to see what is available.

A member of our later-life mortgage team can look at whether you can still go the traditional mortgage route or whether you need something a little more specialist. Simply book your complimentary mortgage appointment online.

Our later-life mortgage team in Northallerton is committed to assisting you with your mortgage needs.

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Our Simple 4-Step Process

Book Online

Step 1

Get in touch with us and schedule your free mortgage appointment with one of our mortgage advisors in Northallerton.

As a mortgage broker in Anlaby, we work 7 days a week to ensure you can reach out at a time that suits you best.

Free Mortgage Apppointment

Step 2

During your free mortgage appointment, your mortgage advisor in Northallerton will ask you a series of questions to get an idea of what you are trying to achieve.

They will also conduct an affordability assessment and look at your credit to determine how much you can borrow for a mortgage in Northallerton.

Finding a Suitable Product

Step 3

Your mortgage advisor in Northallerton will begin to search through 1000s of mortgages to find one best suited to your personal and financial situation.

Once they find the perfect product for you, they will present it to you in the form of a mortgage illustration. If you are happy to proceed with our service and the mortgage product, we can begin preparing your mortgage application.

Submit Your Application

Step 4

From here, you will work with a case manager. They will help you prepare and submit your mortgage application.

Once we send off your mortgage application to the lender, all that is left to do is wait for a response! Your case manager will keep you up-to-date if any updates are given regarding your application.

Reasons to Choose us

Free Appointment in Northallerton

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Getting mortgage advice in Northallerton has never been easier. Simply book your free mortgage appointment online or by giving us a call.

We have slots available early in the morning, during the afternoon or later in the evening if you would prefer those times. You choose the option which best fits you.

Search 1000s of products

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Our mortgage advisors in Northallerton have access to a vast panel of lenders, offering 1000s of mortgage products.

We meticulously search through both high street and specialist offerings to identify the one that best suits your personal and financial situation.

Our Service

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Being a responsive mortgage broker in York, we are at your service seven days a week.

Our fantastic reviews truly reflect the positive experiences our customers have had. Each review highlights the value our service brings in helping someone find the ideal mortgage product.

Visit our reviews page for a glimpse into how we’ve assisted our customers.

Malcolm and Amy Davidson - Mortgage Advice in York

Common Mortgage Questions in Northallerton

How much deposit do I need for a mortgage in Northallerton?

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When considering taking out a mortgage in Northallerton, you’ll typically be required to put down a minimum of a 5% deposit on the property.

However, if you have a poor credit history, you may be looking at a deposit of around 10%-15%. Keep in mind that these figures can vary among different lenders.

How does the mortgage process work in Northallerton?

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As your mortgage broker in Northallerton, 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 to obtain an agreement in principle. Once you’ve handed us all of the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be offered.

For mortgage advice in York and to begin your mortgage process, get in touch today!

When should I obtain an agreement in principle in Northallerton?

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We always recommend trying to have an agreement in principle in place before viewing properties. An agreement in principle could put you in a position that would let you negotiate prices.

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

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You may find it slightly 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.

Can I secure an Agreement in Principle within 24 Hours?

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Our mortgage advisors in York are able to obtain a mortgage agreement in principle for you within 24 hours of your free mortgage appointment.

Simply book your appointment with us and we can arrange this for you.

We Search 1000s of Mortgages in Northallerton

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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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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