Welcome to Yorkmoneyman, the website allowing you to look into Open & Honest Mortgage Advice in York. We have an expansive, skilled and knowledgeable team of efficient Mortgage Admin and Mortgage Advisors in York, who are ready and waiting to help you with all your mortgage needs and queries.
It is our aim as a Mortgage Broker in York to make the process as simple as possible, getting you a deal tailored to your circumstances therefore allowing us to provide the best Mortgage Advice in York along the way.
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 been provided some expert Mortgage Advice in York. We will search our system and find the perfect mortgage for you.
If you want to see how our past customers feel about our service, feel free to read our genuine reviews from some very happy customers over at Reviews.co.uk. We’re proud of our work at our Mortgage Broker in York and we hope to provide that same level of customer service to you.
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’re here to put your mind at ease and answer any and 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 are 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 are in need of 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 Experienced Mortgage Advisor in York, Malcolm Davidson, our team are 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 own lender, whereas our team of honest Mortgage Advisors in York have a wide variety of options for you to choose from!
“We are available every day from early until late for you to speak to a Mortgage Advisor 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 are able to tailor our service to a customer’s needs even if you require Specialist Mortgage Advice in York.
Don’t feel that you need to fret if your situation is more complex 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’s a good idea to get ahead of the process by speaking to an expert Mortgage Advisor in York. Our team are able to assist you with such things as budget ideas, and arranging your Mortgage Agreement in Principle, of which we can often offer on the day. 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.
Your free mortgage consultation in York will last round about one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
As your mortgage broker in York, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in York. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.
It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let in York.
The minimum deposit when purchasing a house in York with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed in York. You will also need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.