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Getting a mortgage isn’t always easy, and we know that from over 20 years of experience!
Our job is to help you overcome these hardships and hurdles to help you secure a mortgage deal that is suited for your individual situation. During your mortgage application, we will look at your affordability, reliability and credit file. If we are not able to offer you lender’s high street products, we may be able to find you a better deal through a specialist lender.
If you are more suited to specialist products, we will recommend that you take one of these up so that you are more likely to be accepted. The only downside to some specialist products is that you may be required to put down a larger deposit; your credit score will play a huge role in this deciding factor.
As a trusted Mortgage Broker in York, we have access to thousands of specialist mortgage products through many different lenders. It’s our job to try and find the right one for you. In the past, we’ve been able to help customers with bad credit secure a mortgage suitable to their situation. Don’t be put off by these types of products, if you’re getting declined by a high street lender, there may be a reason and you may need to consider specialist products.
If you’ve recently been declined by a bank or building society, we would advise you to stop applying. The more that you apply and get declined, the more harm you do to your credit score.
Book your own free mortgage appointment online and speak with a specialist Mortgage Advisor in York.
If you are facing a complicated mortgage situation, it may be more beneficial to get Mortgage Advice in York rather than trying to overcome the problem yourself.
We’ve helped many customers get through their specialist mortgage situation, and they’ve ended up securing a mortgage product that matches their personal and financial situation.
If your offer has been accepted on a property, but your property survey shows that you’re paying more than the property’s worth, your lender may pull out of the deal. They will not want to give you more money than you need.
This is called a down valuation. The situation can get complicated and slow down your process if you don’t act quickly.
During a divorce or separation, your financial commitments with your ex-partner should be sorted sooner rather than later. If you’re still linked to the mortgage that you took out with your ex-partner, it may be beneficial for you to remove yours or your ex’s name from the mortgage.
We will try our hardest to make all of this stress away from you during this difficult time.
If you’re married but want to take out a mortgage that’s just in your name, you’ll need to be able to prove that you can afford it.
Lenders need to know that you’re a reliable applicant that will be able to keep up with your monthly mortgage payments before they can offer you anything.
The shared ownership scheme allows you to take out a mortgage on a percentage of a property. This can be anywhere between 10%-75%.
You can even take 100% ownership of the property further down the line if that’s what you want to do.
Professional mortgages are only available to certain professions. You may fit into one of these categories, contact us to find out what you can access.
If you’re looking to take out a mortgage on another property, you will need to prove that you can afford two sets of payments first.
It’s likely that you’ll have to put down a higher deposit during this purchase.
When you’re buying a holiday home, you’ll have to think about whether you’re going to let it out or not. You may be able to make some extra money if you rent it out whilst you’re not living there.
If you’re looking to purchase a holiday home, feel free to get in touch with our team.
New builds usually come with higher price tags. If you’re struggling to meet your deposit target, perhaps utilising a government scheme, such as the Help to Buy Equity Loan, is an option.
‘Non-standard’ construction properties are pretty much properties that aren’t made of brick and mortar. You’ll need to try and take out a specialist mortgage product on a property like this.
We would also recommend a full structural property survey if you’re buying a property like this.
These mortgages are usually taken out by landlords. If you want to take out an HMO mortgage, you will need to speak with a mortgage specialist.
Our buy to let experts may be able to help you get started.
You can take out a mortgage past retirement through the ways of a lifetime mortgage. You will get a lump sum of money, however, you may struggle to pay it off.
Equity release and lifetime mortgage advice is available at Yorkmoneyman. Get in touch for more information.
This type of mortgage can allow you to link your savings to a mortgage. They can often have competitive interest rates.
Connecting you to a Mortgage Advisor in York straight away is very important to us. We want you to get the mortgage advice that you need as fast as possible.
Get in touch with our mortgage team at Yorkmoneyman today so that we can get an idea of your mortgage situation and how we may be able to help you.
4.95 Rating153 Reviews
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.
Anonymous
Were able to get us a great quote for a structural survey while also helping us all the way throughout the mortgage application process. They were great and I would rate them eight out of eight.
Guy
Friendly and efficient service with excellent communication. I would recommend to anyone seeking mortgage advice, I will be using them again when I come to seek a new mortgage deal.
Anonymous
Leanne was brill , really helped me out 👍🏻
Caitlin
After having a few problems with other companies I feel satisfied and less stressed talking to Leanne and feel my problem will be taken care of.
Harriet
We cannot thank yorkmoneyman enough, Jason and Jennifer are real experts and so professional, helpful, hardworking and kind. We would highly recommend and are two very happy customers. Thank you so much
Stacey
Everyone we dealt with was friendly and informative. Even after the mortgage was secured they checked in to see how things were going and helped out when things were moving slowly. Would highly recommend. ...
Sarah
We can not thank Matt and Louise enough for the help and support they have given. Moving for the first time in 18years, we had no idea what to do so it was amazing to have Matt supporting us through the process, advising us of the best products to...
Emily
Always very happy to chat and answer any questions. Friendly and approachable. Quick to respond by phone or email. As a first time buyer they really helped me understand the whole process.
Olivia
Yorkmoneyman were great, they delivered a friendly and helpful service. We felt like we were in safe hands.
Holly
Chloe, Jason and the rest of the team have been fantastic in guiding us through a complicated buying process. We’d definitely use these again, and would recommend other to do the same.
Anonymous
Very happy with the service I received. Charlie was always there to guide me through the process and answer all my questions. Would highly recommend their services.
Laura
Yorkmoneyman has been super helpful, very friendly and generally prompt to respond. They have helped us secure our mortgage offer super quickly and we are grateful for their support, special thanks to Leo and Meghan.
Guy
Excellent from start to finish. Thorough and understands both the market exceptionally well and identifies your needs effectively. Communication has been first-rate all the way through despite several false starts, they have stood by and ensured a...
Charlotte
My second time using Yorkmoneyman and once again a seamless service from end to end! Couldn’t wish for a better broker to deal with my mortgage! Ryan and Lyndsey made it easier, worry free and had great comms throughout! Thank you both!
Alice
Very helpful and very responsive. Leo was fantastic at helping us understand what our options were and helping us get the mortgage we needed. Once ready Meghan got everything going swiftly and the next we heard we had the mortgage! Would highly...
Felix
Moneyman has helped us find a great deal and have been very patient in a tumultuous house buying process. They have been professional and courteous throughout. Highly recommended.
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
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.
