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Mortgage Broker in Scarborough

& 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 Scarborough

& 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 Scarborough

As a Mortgage Broker in Scarborough, to make your mortgage process as stress-free and straightforward as possible. Going the extra mile, we will be on hand right through your journey seven days a week, from start to finish.

Whether you are a first time buyer, home mover, or a landlord looking to invest in a buy to let/let to buy property, we want to get your mortgage process started and help! Our team of expert Mortgage Advisors in Scarborough has knowledge and experience of all mortgage types and circumstances.

Your Mortgage Advisor in Scarborough will have access to many high streets and search 1000s of mortgage products to recommend to you the most suitable deal that matches your personal and financial situation. We have worked in the industry for over 20 years, and this experience and knowledge can lead us to find you the most suitable deal!

Speak to a Mortgage Advisor - It's Free!
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Your Mortgage Options in Scarborough

All of our Customers Receive a Free Mortgage Appointment!

Booking a free mortgage appointment with a mortgage advisor in Scarborough 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 Scarborough. Feel free to pose any questions about your mortgage situation. In this session, your mortgage advisor in Scarborough 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 Scarborough 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 Scarborough

First Time Buyer Mortgages in Scarborough

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Our team can help you work out the maximum amount you can borrow for a mortgage in Scarborough. Your Mortgage Advisor in York & Scarborough will ask you to provide documents that support your income and outgoings. They will also look at your credit rating, credit report, and other documentation to make sure that you qualify for a mortgage.

At the very start of your home buying journey in Scarborough, we aim to arrange an agreement in principle within 24 hours of your free mortgage appointment. Armed with an agreement in principle you will be ready to put down any offers on a property.

Moving Home Mortgages in Scarborough

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Whether you fancy living somewhere with a much bigger space or you have fallen out of love with the property, you are going to have to think about the involvement of moving home. Having to sell and buy a home at the same time can be very frustrating. Secondly, you will need to deal with the mortgage aspects; do you try and port your current mortgage, or just take out a new one?

Here at Yorkmoneyman, we can help you make ‘the right’ decision, and go through the most suitable options based on your financial and personal situation. We always want the best for you and will always be open and honest with you throughout the entire process.

Buy to let Mortgage Scarborough

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If you are a new or existing landlord you will also benefit from our mortgage advice service. Due to our transparent service, we have built strong relationships with buy to let mortgage applicants.

Typically, for a buy to let in Scarborough, you will need to have a 20-40% deposit, depending on your existing portfolio and credit score. Here at Yorkmoneyman, we can perform a credit and affordability assessment during your free mortgage appointment.

If you are self employed applicant in Scarborough, the mortgage process will be similar compared to full time applicants, with the main difference being you will just need to supply more evidential documents to show that you can afford a mortgage while being self employed.

Remortgaging in Scarborough

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If you are approaching the end of your fixed term mortgage, you will need to start thinking about your options for remortgaging your property. Failing to do so will wind you up on your lender’s standard variable rate of interest. If we manage to find you a more suitable remortgage deal, you could potentially save loads down the line.

There are also other reasons why you may want to remortgage, this includes funding home improvements, releasing equity, and consolidating debt.

Self Employed Mortgages Scarborough

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Being self employed in Scarborough 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 Scarborough will assist you in understanding the extra documentation required for a self employed mortgage in Scarborough. 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 Scarborough

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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 Scarborough 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 Scarborough.

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 Scarboroughwill 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 Scarborough.

Finding a Suitable Product

Step 3

Your mortgage advisor in Scarborough 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 Scarborough

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Getting mortgage advice in Scarborough 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 Scarborough 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 Scarborough

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

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When considering taking out a mortgage in Scarborough, 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 Scarborough?

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As your mortgage broker in Scarborough, 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 Scarborough?

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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 Scarborough 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 Scarborough

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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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