Welcome to Harrogatemoneyman. We are a Mortgage Broker in Harrogate aiming to offer you the most effective mortgage service and Mortgage Advice in Harrogate that we can muster so we are able to assist you on your way to getting the best mortgage possible.
When you approach us, we’ll assign you to a Mortgage Advisor in Harrogate who will then be on hand to provide the most effective solutions and Mortgage Advice in Harrogate during your mortgage process.
The assigned Mortgage Advisor in Harrogate will make it their mission to deliver their best open and honest Mortgage Advice in Harrogate that they are able to, to make sure you’re supported along the way from start to finish.
Although we offer Mortgage Advice in Harrogate we make sure it is also available in surrounding areas too. This means that if you’re based around the Harrogate area, there is help also available to you from one of our reliable Mortgage Advisors in Harrogate.
At our Mortgage Broker in Harrogate, we aim to upkeep our professional and efficient service to each and 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, as our experienced Mortgage Advisors in Harrogate have experience across many mortgage situations involving mortgages with the knowledge that they have acquired over the years.
Our Mortgage Advisors in Harrogate work daily with an array of specialist Mortgage lenders who can offer some excellent products. These products are often more than what most banks are able to offer. By using us as your Mortgage Broker in Harrogate, you are opening yourself up to a wider range of options for you and your mortgage meaning you may get a better deal with us, than if you went to a bank.
We’ll do our best to ensure you get the best possible Mortgage Advice in Harrogate and deal on your Mortgage tailored to your own individual circumstances when you approach one of our Mortgage Advisors in Harrogate and you will be informed every step of the way.
Why not give us a try and get in touch
We often find that customers who approach us seeking Mortgage Advice in Harrogate have been turned down by their high street bank. This can be for a variety of reasons including not meeting their difficult lending criteria from Lenders not lending enough which can drastically restrict a person’s chance of getting a mortgage. But at our Mortgage Broker in Harrogate, we aim to help as many people as we can with an efficient Mortgage service and by keeping their welfare as a main priority.
At our Mortgage Broker in Harrogate, we have a large panel of mortgage lenders to choose from, with literally thousands of deals on offer – depending on the circumstance – by approaching us you walk away with a mortgage deal that you may not have usually have found by going elsewhere.
With our Mortgage Advisors in Harrogate, their in-depth knowledge of the property market and mortgage criteria will mean they will be more than happy to assist in your mortgage journey and give up to date Mortgage Advice.
As your friendly Mortgage Broker in Harrogate, we work for you and only you. This means we have no ties to any estate agents, builders or banks.
Our Mortgage Advisors in Harrogate are available from 8 am – 10 pm, seven days a week, to answer your questions, we care as we only to have your best interests at heart and 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.
It is our job as a reliable Mortgage Broker in Harrogate to source you the best mortgage deal for your individual circumstances leaving you happy with our service and to get you started on your next chapter with your new mortgage.
Your free mortgage consultation in Harrogate 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 Harrogate, 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 Harrogate. 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.
The minimum deposit when purchasing a house in Harrogate 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. 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.