It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
& Surrounding Areas
It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm
01423 788895Speak to an Advisor - It's Free!
& Surrounding Areas
It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm
Enquire Online 01423 788895
Welcome to Harrogatemoneyman, your home of trusted, expert mortgage advice in Harrogate.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
To speak with a mortgage advisor in Harrogate, book your FREE mortgage appointment online.
Welcome to Harrogatemoneyman, your home of trusted, expert mortgage advice in Harrogate.
Our team is committed to making the home buying and remortgaging process stress-free and straightforward.
Whether you’re buying your first home, moving to a new one, remortgaging or dealing with a more complex situation, we’re here to help make your mortgage process easier. We’ll look at your circumstances, explain your options clearly, and search through thousands of mortgage deals to find what suits you best.
Everything we do is built around keeping the process smooth and straightforward. We’ll take care of the paperwork, speak to the lender on your behalf, and keep in touch throughout so you always know what’s happening.
As a trusted mortgage broker in Harrogate, we understand how important it is to feel supported from beginning to end. That’s why we focus on honest advice, clear communication and a service that works around you.
If you’re looking for clear, straightforward mortgage advice in Harrogate, you’re in the right place!
The mortgage process usually begins with a simple chat about your plans and what you’re looking to do. You can book a free appointment with one of our mortgage advisors in Harrogate and choose a date and time that works for you. They’ll talk things through with you and start building a clear picture of your options.
We’ll look at how much you could borrow, what sort of mortgage deals might suit your needs and explain everything in plain English. If you’re happy to move forward, we’ll arrange your agreement in principle and guide you through the application.
From the first steps to your mortgage offer and beyond, we’ll stay by your side, keeping everything on track and making sure you always know what’s happening. If you ever need mortgage advice in Harrogate, we’re here when you need us.
When you go straight to a bank, you’re only seeing the deals they offer. As a mortgage broker in Harrogate, we look beyond that. We search through thousands of mortgage products across a wide range of lenders, including high street names and specialist providers.
That means we can find options that are better suited to your needs, not just what one bank has on offer. We’ll also take care of the application and paperwork, deal with the lender for you, and keep things moving from start to finish.
We work with a variety of mortgages types, whether you’re at the start of your journey or looking to make a change. That includes first time buyers taking their first step onto the property ladder, homeowners planning a move and customers looking to remortgage for a better deal.
We also support landlords with buy to let mortgages, self employed applicants who may not have a straightforward income, and clients looking for age 50+ mortgage options. Our team regularly helps people with more complex needs too, such as gifted deposits, shared ownership or credit issues.
Whatever your situation, we’ll take the time to understand your plans and find a mortgage that works for you. If you’re not sure where you fit in, our mortgage advisors in Harrogate will help you make sense of it all and explain your options clearly.
We’re proud to offer mortgage advice in Harrogate that’s been rated 4.9 out of 5 by hundreds of happy customers.
Whether it’s guiding first time buyers, supporting families as they move home, or helping someone secure a better remortgage deal, we always aim to deliver a service that’s personal, honest and reliable.
We keep things moving, keep you informed, and make sure the process feels as simple as possible. You won’t be passed from person to person or left chasing updates. Just honest advice, tailored support, and a service that works around you.
Many of the people we help don’t have the most straightforward circumstances. You might be self employed, working multiple jobs, earning through bonuses or commissions, or dealing with a less typical income structure. Others may have a history of credit issues or be applying after a recent separation.
As a mortgage broker in Harrogate, we’re used to working with a wide range of situations. Our mortgage advisors in Harrogate will take the time to understand your background and look for mortgage deals that match what you need — even if things feel a little more complicated.
Booking your free mortgage appointment is quick, easy and straightforward. You can choose a date and time that suits you using our online booking system, or get in touch and we’ll arrange it for you. Appointments are available early mornings, evenings and weekends, so you don’t have to work around us.
You’ll speak directly with a mortgage advisor in Harrogate who will listen to your plans, answer your questions and explain what might be possible based on your circumstances. There’s no charge, no pressure, and no obligation to proceed.
Our Customers Love Us
4.94 Rating34 Reviews
Zoe
Jason and the team have been amazing, so helpful!
9 months ago
Shannon
Matt from Harrogate money man was so accessible and supportive throughout our journey to get a mortgage. He has been close at hand every step of the way and gave us so much convince in ourselves and our own finances which we didn’t have to begin...
9 months ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
1 year ago
Lydia
They have been excellent! Couldn’t have asked for better help and communication. They were very understanding and have been very patient with us over the last few months.
1 year ago
Sally
I'm really pleased with the service at Harrogatemoneyman and would definitely recommend them. Leo and Jo have been really helpful and supportive throughout the process.
1 year ago
David
Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...
2 years ago
Rebecca
As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...
3 years ago
Maria
Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the best deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us regularly...
3 years ago
John
Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.
3 years ago
Salvatore
Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.
3 years ago
Deanna
Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...
3 years ago
Charlie
Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...
3 years ago
Deanna
Leanne was so friendly and approachable. Extremely helpful.
3 years ago
Laura
Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!
3 years ago
Heather
Polite helpful reassuring conversation. Very helpful.
3 years ago
Richard
Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!
4 years ago
Gregory
First time buyer and the team at Harrogatemoneyman provided a 1st class service from start to finish. Excellent advice really quick service excellent product really cant fault them at all. I highly highly reccomend them just exceptional in everyway....
4 years ago
Alice
Very quick response from Hannah. Very helpful. Highly recommend
4 years ago
Dane
Great service, professional as well as friendly
4 years ago
Paula
Can I say what a great job they have done for us, answered every question when needed and kept me calm through the last few weeks! Great job done! Cannot thank them enough, Thank you Wayne, Jenna and Megan!!
4 years ago
Most lenders will let you borrow around 4 to 4.5 times your annual income, although this can vary based on your credit history, outgoings and overall affordability. Some lenders may offer more, while others may be more cautious depending on your situation.
Our mortgage advisors in Harrogate will look at your full circumstances and let you know what borrowing range is realistic for you.
For a quick estimate, try our free how much can I borrow calculator here.
Most lenders ask for a minimum deposit of 5% of the property value, although putting down more can give you access to better interest rates. For example, a 10% or 15% deposit can make a big difference to the deals available.
As a mortgage broker in Harrogate, we can help you work out what deposit you’ll need based on the type of mortgage you’re looking for.
When you speak to one of our mortgage advisors in Harrogate, they’ll also explain how your deposit affects affordability, loan-to-value, and which lenders may be a good fit for your circumstances.
An Agreement in Principle (AIP) is a document from a mortgage lender confirming how much you may be able to borrow. It’s based on a soft credit check and the information you provide, and it gives both you and the estate agent confidence that you’re in a position to make an offer on a property.
Most AIPs last between 30 and 90 days, and if yours runs out, we can easily renew it. Having an AIP in place shows sellers that you’re serious and can speed up the buying process.
As a mortgage broker in Harrogate, we can arrange an Agreement in Principle for you within 24 hours. One of our mortgage advisors in Harrogate will check your details, explain what’s involved, and help you move forward with confidence.
When applying for a mortgage in Harrogate, lenders will ask for documents that prove your income, identity, and financial situation. This usually includes photo ID, recent payslips or proof of self employed income, bank statements and details of your deposit.
Some lenders may also request a credit report, tax documents or information about any financial commitments you have. The exact paperwork depends on the type of mortgage you’re applying for and your personal circumstances.
Our mortgage advisors in Harrogate will tell you exactly what you need and help you prepare everything in advance.
Once your mortgage application has been submitted, it usually takes around two to three weeks for the lender to make a decision. This can vary depending on how complex your case is, how busy the lender is, and whether they need any extra documents along the way.
Our mortgage advisors in Harrogate will keep you informed at every stage and make sure you always know what’s happening with your application.
It’s never too early to speak to a mortgage advisor. Whether you’re just starting to think about buying, want to know how much you can borrow, or you’ve already found a property, we can help you get everything in place.
As your mortgage broker in Harrogate, we’re here to guide you through the process whenever you’re ready, even if you’re still weighing up your options.
Yes, there are a few schemes available that can help you get onto the property ladder, depending on your situation.
Shared Ownership allows you to buy a percentage of a property and pay rent on the rest, while Right to Buy helps eligible council tenants purchase their home at a discounted price.
If you’re saving for your first home, the Lifetime ISA (LISA) offers a 25% government bonus on your savings, which can then be used towards your deposit.
Our mortgage advisors in Harrogate can explain how these schemes work and check whether you’re eligible.
Yes, it’s possible to get a mortgage if you’re self employed in Harrogate. You’ll usually need to provide at least one to two years of accounts or SA302s and lenders may assess your average income across those years.
As a mortgage broker in Harrogate, we work with lenders who understand how self employed income works, including limited company directors and sole traders.
Our mortgage advisors in Harrogate will help you present your income clearly and guide you through what’s needed.
It can be possible to get a mortgage with bad credit in Harrogate, but it depends on how severe the issues are and how recently they occurred. Some lenders are more flexible than others when it comes to missed payments, defaults or low credit scores.
As a mortgage broker in Harrogate, we work with specialist lenders who understand real-life situations. We will take a look at your credit report and let you know what options may be available based on your circumstances.
Yes, all lenders will carry out a credit check as part of the mortgage process. Some will do a soft search at the Agreement in Principle stage, which doesn’t affect your credit score, while others may go straight to a full check during the application.
As a mortgage broker in Harrogate, we can also check your credit report with you before anything is submitted.
Regulatory Information
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk
Read our 34 Reviews
Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Harrogatemoneyman 2025.
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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Harrogatemoneyman 2025.
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
