Over the years, moving home has been renowned for being one of the most stressful experience you may ever face. The good news is that with a Mortgage Broker in York by your side, it doesn’t have to be. Our aim as a mortgage advice team is to take the stress away from the experience.
The moving home experience involves you being able to balance both processes of purchasing your new property while selling your current property. This can become stressful because these two processes need to be done simultaneously.
If you do decide to look for Mortgage Advice in York, you can get a conveyancing solicitor sorted out for you that will handle the paperwork and simultaneous completions.
If you are wanting to start your moving home journey in York, our dedicated team work hard to provide a service that ensures that your moving home journey goes as smooth as possible. We are available to you 7 days a week till in order to be there at any time for support and answer any questions you may have.
We take each customers situation as an isolated case which is why we search through 1000s of mortgage products in order to find you the best deal that is appropriate for your personal and financial circumstances.
All our customers who get in touch with us will be offered a free no-obligation mortgage appointment. We can’t wait to help you start your home moving journey in York.
If you are looking to York for a change of scenery or you currently live in York and are looking to move within the city , our dedicated team of mortgage advisors have experience in providing Mortgage Advice in York to a lot of customers in order to help them achieve their moving home goals.
Below, is just a few of the most popular scenarios we have encountered as a Mortgage Broker in York.
Many of our customers usually like to get an idea of how much they would be able to borrow as well as the interest rates at which this amount would be.
Along with this, they might want an idea of how much their monthly repayment could be, which is our customers get in touch for Mortgage Advice in York in the early stages of the mortgage process.
After you have attended our Free Mortgage Appointment, it’s then the job of your dedicated mortgage advisor to explore the best deal for your circumstances by searching through 1000s of mortgage products.
If you agree with the recommendation provided by your mortgage advisor, then the process of obtaining your mortgage agreement in principle can begin.
Having your mortgage agreement in principle (AIP) to hand, you are then ready to back up any offers that you would like to make on a property you are looking at when you are on the journey of achieving your mortgage dreams in York.
As soon as you have had an offer acceptance on your new home in York, you now can get back into contact with your mortgage advisor.
This is where your full mortgage application can begin and is where we can provide assistance in recommending a conveyancing solicitor as well as informing you on the type of property surveys.
You might find yourself in a situation where you have had your mortgage application rejected by the bank or building society. This could be for many reasons such as not meeting the credit scoring criteria or the lender will not lend you an adequate amount.
Whatever the reason behind your rejected application, please don’t hesitate to get in contact with a Mortgage Broker in York like ourselves. Here at Yorkmoneyman, we work with a panel of lenders who offer specialist products that are tailored to these types of customers.
Remember, situations like this will come down to your particular circumstances and what your credit file is currently showing. Here at Yorkmoneyman, our team of knowledgeable mortgage advisors have a lot of experience dealing with these products and providing the support customers need to match up to their criteria.
The most common reasons that are discussed above is what we see commonly as a Mortgage Broker in York. Therefore, it is still worth getting in contact with us for mortgage advice if you are looking to move home.
Our trusted team of mortgage advisors in York are on hand to support you if you are looking at moving home in York and wanting to explore your options. From your initial enquiry to obtaining they keys to your new home, our mortgage advice team will be by your side to provide and answer any questions you may have.
Here at Yorkmoneyman, we have vast experience with providing the help and supporting customers need to get through the moving home journey. Because of our team’s experience over the years, we rarely find a situation that we haven’t dealt with before.
If you come to Yorkmoneyman seeking moving home mortgage advice in York, you will receive a free no-obligation home movers’ appointment.
This will involve getting an insight into what your mortgage goals are and us looking for the most appropriate solution going forward. To determine this, we will look into your monthly payments as well as the maximum you may be able to borrow.
After you have had a conversation with one of our trusted Mortgage Advisor in York about your home moving aims, we will then proceed.
Your dedicated and knowledgeable mortgage advisor in York will then begin by finding the best deal for your situation by searching through 1000’s of mortgage products.
When you are satisfied with the recommendation provided to you, it’s then time to get your mortgage agreement in principle sorted. This is something our team can manage to get it within 24 hours of your initial consultation. Having this with you will help you back up any offers to make on a property.
As soon as you have found your new home in York and your offer has been accepted, our hard working team will then proceed in finalizing your full mortgage application.
At this point, we will responsible for everything that needs to be done in order to complete the application.
At Yorkmoneyman, we always go that step further when providing you the best service. As well as finding you the best mortgage for you, we also can provide information regarding various surveys that are available to you and help with getting any conveyancing solicitor quotes.
In addition to this, your dedicated advisor will also provide any recommendation and information on the insurance that may benefit you when covering your remaining mortgage payments in the case of an unexcepted event occurring.
We always work with the customer’s best interest at heart. Our team are prepared to help reach your moving home goals. We look forward to hearing from you.
4.96 Rating169 Reviews
Hayley
I find all things mortgage quite daunting yorkmoneyman completely took the worry away. I have taken my first mortgage and remortgaged with them. Lovely team, I highly recommend
Peter
Yorkmoneyman helped us get the right mortgage at the best rate available, Dinah who was our contact was helpful, knowledgable, friendly and made the mortgage procedure simple and quick for us to complete, would definitely recommend 😬
Jack
Charlie outstanding once again, 2nd Mortgage I’ve now got from him and referred everyone I know! Thanks again to you and your team!
Jack
Chris was excellent in guiding us through the process, and very well supported by Stacey. Everyone was always friendly, professional and very quick to respond.
Helen
I couldn't recommend this service highly enough. Dinah, our advisor was so helpful, knowledgeable and patient. She made everything easy and couldn't do enough to make everything happen.
Nicholas
Why do you make me write in this box?
Wei
Both Matt and Debbie are very kind and patient! They are skillful and help me a lot! Appreciate them!
Sandra
We asked Yorkmoneyman for assistance with obtaining our new mortgage, and would absolutely recommend! Their knowledge and expertise was second to none, and nothing was too much trouble. Many thanks to Wayne and Stacey for all they have done for us.
Daniel
Jason has been a massive help since i first went to him, is very quick with getting back to any problems we may have! Would recommend
Anonymous
I am genuinely delighted to share my exceptional experience with Dinah at Yorkmoneyman - Mortgage Brokers. From our initial conversation to securing an incredible mortgage rate, Dinah's professionalism, knowledge, and dedication truly stood...
Jamie
Working with Dinah has been an absolute delight. She has supported the application process at every step and has made the whole process as stress-free as possible. I highly recommend her services.
Liam
Great service - quick, efficient and honest. Will be using again.
Craig
Provided an excellent service. Really impressed with the knowledge of the current mortgage market and provide good advice. Weren’t pushy and gave plenty of options based on what we required, wouldn’t have been an issue if we just walked away as...
Carol
The team were brilliant from first contact, talking through our options. And really listened to what we wanted. They were exceptionally thorough checking all the documentation ensuring everything was in place prior to putting the mortgage...
David
York moneyman was very helpful with both finding us the best rate for our initial mortgage and then again when it was time to remortgage. The remortgaging advice was particularly welcome in these challenging times as it was free and helped us get...
Louise
From start to finish, helpful and informative all the way. Sound advice and quick responses. Would absolutely recommend York moneyman to anyone and would use again definitely.
Valentina
I used Yorkmoneyman service second time to remortgage my house and they were brilliant, happy with customer service, quick response, great communication and I would highly recommend.
Anonymous
5* service throughout the process. Look no further, can 100% recommend.
Paul
Easy to deal with, sound advice following a review of your needs. Would highly recommend to anyone
Richard
Tom and Chloe handled my mortgage application in a very professional and effective manner making the process simple for me as a first time buyer. I will definitely use them again when it comes to my mortgage review.
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 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 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 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 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
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.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property in York!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
