Welcome to our website Harrogatemoneyman.com. We are a Mortgage Broker in Harrogate & surrounding areas, here to help you with a new or existing mortgage. Our trusted team of Mortgage Advisors in Harrogate is available seven days a week. Ready to recommend the best deal for you, offering open and Honest Mortgage Advice in Harrogate.
When you approach our Mortgage Broker in Harrogate, we’ll assign you to a Mortgage Advisor in Harrogate who will then be on hand to provide the most effective solutions towards getting your Mortgage and reliable Mortgage Advice in Harrogate during your mortgage process. They have an excellent reputation and years of experience combined.
We offer all of our customers a free mortgage consultation. As a Mortgage Broker in Harrogate, you have the option of choosing your appointment time over the telephone that best suits you. Out of hours, appointments are fully available too, as we have advisors working from 8 am – 10 pm.
Going to the bank for Mortgage Advice in Harrogate means you’ll only be offered their product, from their in-house Mortgage Advisor in Harrogate. We have hundreds of unique lenders on panel, with a wide variety of mortgage options to choose. Meaning we can tailor the service to your personal needs and find the most appropriate deal for you.
We’ve found with customers that get in touch with us have often spoken to the bank before our conversation. Were here of such obstacles as income types, credit scoring, or they will not lend enough, which is where a Mortgage Broker in Harrogate could be beneficial to you. Our team will work with you throughout every step, ensuring you are provided with a high level of service and giving you a fair chance at your mortgage dreams.
At our Mortgage Broker in Harrogate, we aim to upkeep our professional and efficient service to every potential client who approaches us for Mortgage Advice in Harrogate. No matter your situation, we may still be able to help with whatever mortgage situation you may have.
Our experienced Mortgage Advisors in Harrogate have come across many mortgage situations and overcome many mortgage obstacles due to the knowledge that they have acquired over their mortgage careers. To arrange your Free Initial Mortgage Consultation, please feel free to Contact Us, and we’ll book you in with a Mortgage Advisor in Harrogate to the time that best suits you.
Firstly, we’ll provide Mortgage Advice in Harrogate and support throughout the whole home-buying process and not just with your Mortgage. We search the market on your behalf and tailor the service to your needs and individual situation.
We’ll ensure that your Mortgage Advisor in Harrogate answers all of your questions. Unlike in-house Mortgage Brokers at establishments such as banks, we’re proud to have no vested interests with Estate Agents or Builders, which means our Mortgage Advisors in Harrogate work for solely you and no-one else.
Our Mortgage Advisors in Harrogate are here to provide help and support you throughout the whole mortgage process from start to finish. We will be there for you from the initial contact anytime you need them. It’s our job as your Mortgage Broker in Harrogate to make you feel relaxed, be honest, find you the most suitable mortgage advice and mortgage deals right up until completion and beyond.
As a Mortgage Broker in Harrogate, we make sure to stay loyal to our customers, so that means staying away from estate agents, building societies or banks so that our Mortgage Advice in Harrogate revolves around our customers and their best interests.
Every one of our Mortgage Advisors in Harrogate aims to do right by you. We have your best interests at the heart of our company and listening to any concerns or questions that you may have lingering on your mind so that you don’t feel stressed at any point in your mortgage journey.
We stay by your side throughout the process, rest assured, you’ll be kept up to date and in the loop. Your assigned Mortgage Advisor in Harrogate will be in touch if anything changes or we need anything vital from you to continue with your application.
It’s a great idea to get ahead of the process by speaking to a Mortgage Broker in Harrogate. By obtaining Mortgage Advice in Harrogate our Mortgage Advisors in Harrogate will be able to assist you with such things as budget ideas, and arranging your Mortgage Agreement in Principle which we can often offer on the same day. Allowing you to be ready to support any offers you make, which will get you ahead of anyone else who may be thinking of applying for the same property.
If you would like to work out what your monthly repayments may be, you may appreciate our Mortgage Calculator. Although only a rough guide, it is a handy tool for anyone who would like an idea of what they could be paying back for their Mortgage.
Our Mortgage Advisors in Harrogate are available from 8 am – 10 pm, seven days a week to be able to answer your questions at anytime you need us. We care as we only to have your best interests at heart and our Mortgage Advisors in Harrogate are here to help you throughout the whole process, not just the start.
We believe you should enjoy the mortgage journey and that you should be able to reflect on it with good memories as you begin the next chapter of your new life after obtaining a successful mortgage with us. It is our job as a reliable Mortgage Broker in Harrogate to source you the best mortgage deal for your circumstances helping you get started on your next chapter in your mortgage life.
Your free mortgage consultation with a Mortgage Advisor in Harrogate will last for approximately one hour. They will then recommend a mortgage for you, one that you have no obligation for you to accept if you do not wish to. Proceeding with the mortgage is completely your choice.
As a part of our service as a fast and friendly Mortgage Broker in Harrogate, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you and your personal circumstances. A credit check will then required ahead of obtaining an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been taken out, a formal mortgage offer can then be issued to you.
To avoid being disappointed part way into your process if you don’t get the property you had eyes on, we recommend you obtain an Agreement in Principle ahead of schedule, before you begin viewing properties in Harrogate. At the very latest you should obtain one prior to making any offers to a vendor, as this can aid with your bargaining position.
An Agreement in Principle will generally have a shelf life of between 30 and 90 days, depending on the lender used. If your Agreement in Principle expires, get back in touch with your mortgage advisor and they can get this refreshed for you.
If you are looking to do something like debt consolidation or any potential home improvements, you may have the option of taking out a second mortgage in Harrogate. It may also be possible to take out a mortgage on a second property for other uses, such as for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit a customer will be required to have when purchasing a house in Harrogate with a mortgage lender, is typically 5%. This figure can be somewhat higher if you have had any previous credit problems.
If you have had any kind of credit problems previously, there is a chance you can still get a mortgage. Unfortunately for this, you may possibly be required to put down a higher deposit than usual, typically 15% of the property purchase price.
Once you have submitted at least one year’s accounts to the lender, you may then be able to obtain a mortgage on the property you wish to buy. Most lenders will use a combination of your salary plus dividend to calculate the maximum mortgage, whereas others may go off your net profit.
An employee will generally be required to submit at least three payslips for an employee to prove income and the latest 2 years’ accounts if they are Self Employed. You will also need to provide your mortgage lender with proof of ID, address and the last 3 months’ bank statements.
Our free mortgage consultation offered to all customers will typically last somewhere near an hour or so. The members of our dedicated mortgage advice team are able to turn round an agreement in principle within 24 hours, with a formal mortgage offer taking roughly about three weeks on average.