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Specialist Mortgage Advice in York

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Getting a mortgage should be a simple affair, but many times, it is not.  Mortgage brokers like us can search 1000s of products to try and find you the best mortgage for your circumstances. As Mortgage Advisors in York, providing specialist Mortgage Advice in York is what we do best.

 

Don’t be put off by complex criteria

We work with a wide range of lenders, some of which offer specialist mortgage products, with varying lending criteria.

 

Our experienced and knowledgeable Mortgage Advisors in York will do everything to help. Even if you feel you’re under unusual circumstances in your mortgage situation.

 

Our goal is a simple one. To offer an efficient and reliable mortgage advice service and let our Mortgage Advisors in York find you the best product tailored to your mortgage circumstances.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

Mortgage Lenders 007

Specialist Mortgage Advice in York

When a customer is seeking the best Specialist Mortgage Advice in York, we often get approached by many who are after our guidance and Mortgage Advice in York on various topics seeking guidance. Whatever your situation, we’ll try our best to find the most fitting solution for your circumstances.

Frequent topics we’ve encountered include:

  • Marital status i.e. married buying in sole name, divorce, separation.
  • Credit score troubles?
  • Income mix, i.e. salary, dividend, benefits, drawings, net profit etc.
  • Buying directly from your landlord.
  • Buying from or with a family member.

 

The above list is just a brief overview of what customers have contacted us about in the past. There may be a situation you’re in that isn’t on our list, in which case please get in touch as we’d still love to help you through the mortgage process.

 

Contact us to book your free specialist mortgage consultation.

In need of a Specialist Mortgage Advisor in York?

  • We’re open and honest with our customers.
  • Also, we offer our customers a free mortgage consultation.
  • Our Mortgage Advisors in Newcastle is fully equipped and able to handle complicated situations on a regular basis.
  • We have special connections with specialist mortgage lenders to find you the best deal.
  • We know our criteria and very experienced in mortgages.
  • We offer you help and support throughout the whole process.
  • Mortgage appointments are available daytimes, evenings or weekends.

 

Check out our feedback at Reviews.co.uk and see why so many people choose us when looking for a buy to let mortgage.

 

For the best Mortgage Advice in York, talk to us. We are available 8 am – 10 pm 7 days.

 

As your Mortgage Advisor in York, we are here to help you and will be on hand whenever you need us.  Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

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

  • Photographic ID (Driving license, Passport, etc.).
  • Proof of Address (Utility bills, tax bills, credit card statements, etc.).
  • Latest 3 months’ payslips & Latest P60 (employed applicants)
  • Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
  • 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.

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.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in York!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

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.

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Yorkmoneyman.com & Yorkmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Yorkmoneyman

Yorkmoneyman, York Hub, Popeshead Court Offices, Peter Lane, York, YO1 8SU.

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