Welcome to Yorkmoneyman, the website that will allow you to access sustainable amounts of open & honest Mortgage Advice in York. Within our Mortgage Broker in York, we have an expansive, skilled, and knowledgeable team of efficient Mortgage Admin and Mortgage Advisors in York. They are ready and waiting to help you with all your mortgage needs and queries and offer you the most efficient Mortgage Advice in York that they can.
It is our sole aim as a Mortgage Broker in York to make the mortgage process as simple as possible, getting you a deal tailored to your circumstances that allows us to provide the best Mortgage Advice in York along the way that you deserve.
Our Mortgage Advisors in York work with a large variety of mortgage lenders who offer many products, so that you can end up with the perfect one for your situation. Once you approach our Mortgage Broker in York and have a chat with us, we’ll have gotten to know you a little better, and hopefully, you will walk away knowing that you’ve received some expert Mortgage Advice in York. We will search our system and find the perfect Mortgage for you.
If you want to see feedback from our past customers and how they feel about our service, then check out and read our genuine reviews from some pleased customers over at our Reviews Page. We are proud of our work at our Mortgage Broker in York, and we hope to provide that same level of customer service to you when you approach us. While you are here set up an appointment with one of our Mortgage Advisors in York for a free mortgage consultation that is available to all new or existing customers.
We also have the advantage of being a smaller and friendly Mortgage Broker in York, so unlike others who undergo the same procedure for the majority of their customers, we feel we’re able to add the personal touch to all that we do especially for you. We are here to put your mind at ease and answer all questions you may have.
As your friendly and honest Mortgage Broker in York, we make sure your Mortgage Advisors in York will be by your side throughout your home buying or remortgaging process. You will find that our service at our Mortgage Broker in York is incredibly adaptable and flexible, so we will always work with you to find the best time for our discussions.
Carrying out your mortgage consultation after work is never a problem, and we can be available until 10 pm if necessary. You get assured of receiving professional open & honest Mortgage Advice in York when you take part in one of our free mortgage consultations.
If you find that you need some Mortgage Advice in York, it might be beneficial for you to speak with a Mortgage Advisor in York.
Boasting an experienced team led by the qualified Mortgage Advisor in York, Malcolm Davidson, our team is here from 8 am until 10 pm, 7 days a week to assist you with any of your mortgage questions.
The bank can only offer you a product from their lender, whereas our team of honest Mortgage Advisors in York have a wide variety of options for you to choose from making us an excellent choice as a Mortgage Broker in York!
We are available every day from early until late for you to speak to a Mortgage Advisor in York will be on hand to answer all of your questions. By using our in-depth knowledge of lending criteria and years of experience providing expert Mortgage Advice in York.
Some of the lenders we work with offer specialist mortgage products, all with varying criteria. Due to our many years of experience of providing top quality Mortgage Advice in York, we can tailor our service to a customer’s needs even if you require Specialist Mortgage Advice in York.
Do not feel that you need to fret if your situation is more complicated than your average day-to-day mortgage problem. Our Mortgage Advisors in York will do our very best to make it work for you. We may be able to find a specialised product that will suit your individual circumstances and offer you suitable Specialist Mortgage Advice in York.
We think it is a good idea to get ahead of the process by speaking to an expert Mortgage Advisor in York. Our team can assist you with such things as budget ideas, and arranging your Mortgage Agreement in Principle, of which we can often offer on the day. In any case, this helps you in preparation for any offers you make.
If you’re interested in working out what your monthly repayments may be, you may like our Mortgage Calculators Page. Although only an estimation, it is a useful tool for anyone who would like an idea of what they could be paying back for their mortgage.
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.