4.94 Rating31 Reviews
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.
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.
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...
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...
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...
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.
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.
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...
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...
Leanne was so friendly and approachable. Extremely helpful.
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!
Polite helpful reassuring conversation. Very helpful.
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!
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....
Very quick response from Hannah. Very helpful. Highly recommend
Great service, professional as well as friendly
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!!
Would just like to say what a fabulous job Wayne and his team have done for us over the past few weeks! Excellent service and great to be able to speak to someone whenever needed!!
Fab service from start to end. Got me a mortgage offer and it couldn’t have been any easier. Thanks so much!
Easy to deal with and solved most of the problems that came up quickly.
Welcome to Harrogatemoneyman.com, the online home of Harrogatemoneyman – Mortgage Broker, providers of open & honest mortgage advice in Harrogate. In using our mortgage advisors in Harrogate’s combined experience, we are looking forward to helping to achieve all of your mortgage goals.
Our own personal goal, is to ensure that your home buying process, as well as your remortgage process, stays as stress-free and simple as possible. Our trusted mortgage advice team will be here to help you through each and every leg of your mortgage journey, from when you first get in touch, up until mortgage completion, whether you are getting the keys to a new home or are remortgaging for a better rate.
We are very proud of the mortgage advice service levels that our team are able to provide. Every member our team strives to provide an equal level of service to everyone who gets in touch with us, whether they be new or existing customers.
• First Time Buyer Mortgage Advice in Harrogate
• Remortgage Advice in Harrogate
• Buy to Let Mortgage Advice in Harrogate
• Equity Release Advice in Harrogate (Age 55+
• Moving Home Mortgage Advice in Harrogate
• Right to Buy Mortgage Advice in Harrogate
• Help to Buy Mortgage Advice in Harrogate
• Specialist Mortgage Advice in Harrogate
• Life Insurance Mortgage Advice in Harrogate
As a trusted and experienced mortgage broker in Harrogate, we have been around for many years and have developed a strong reputation. In utilising our teams wealth of experience, we are able to provide customers with high levels of professional mortgage advice in Harrogate, for all kinds of different mortgage situation.
We regularly find that customers get back in touch with for their remortgage, as we are able to take a look through thousands of remortgage deals, to find the best one for you, with favourable interest rates, so you don’t migrate onto your mortgage lenders standard variable rate. We will also always have your best interests at heart. This means that if a deal isn’t right for you, we’ll be upfront and suggest an alternative.
Customer satisfaction motivates everyone here in our mortgage advice team, encouraging them to go above and beyond for our customers, whether they are a first time buyer in Harrogate, moving home in Harrogate, taking on a buy to let in Harrogate, looking to remortgage in Harrogate or considering their options for equity release in Harrogate.
As an experienced mortgage broker in Harrogate, we frequently find ourselves working with quite specialist mortgage cases, having an extensive panel of mortgage lenders that offer various specialist mortgage products, that you may possibly be eligible for.
With all of this beared in mind, your assigned mortgage advisor in Harrogate will make sure their product search is specifically tailored to match your individual, personal needs, so that they can find the absolute best deal out there for you and what it is you are looking to achieve.
A member of our dedicated, hard working mortgage advice team will always be on hand to answer your mortgage enquiry, from early on in the day until later at night, throughout each step of the working week, including weekends and the majority of bank holidays.
We pride ourselves on a responsive service to our customers too, making sure that our customers are kept up-to-date on a regular basis in regards to their current position in the mortgage process. Your mortgage advisor in Harrogate will look after you every step of the way, as you take steps closer to mortgage success.
During our time of working as a mortgage broker in Harrogate, we have had the sincere pleasure of helping out hundreds, if not even thousands of great customers.
In many cases when a customer gets in touch with us, we find that maybe the bank has turned them away. This can be for a variety of reasons and sometimes they won’t even tell you why. Because of this, it can be a little difficult to fix something that you aren’t aware needs fixing, thus halting your mortgage progression for the time being.
Usual suspects we hear of include anything from a lack of available mortgage appointments with mortgage advisors in Harrogate at those high street banks, to the property value being significantly lower than the amount the applicant had initially asked for, just to name a few of these.
If you are ready to enquire for expert mortgage advice in Harrogate, then contact our team today. As a dedicated mortgage broker in Harrogate, we are always ready and waiting to help customers achieve all of their mortgage goals.
Whether you are looking to purchase a new home in Harrogate, invest in the buy to let market, remortgage a property or home you already have, enquire about mortgages for over 50’s, or need some general mortgage advice in Harrogate, we would be glad to help you. Book a free mortgage appointment today and start your journey with Harrogatemoneyman.
As a customer of Harrogatemoneyman, you will be able to reap the benefits of having a caring and honest mortgage advisor in Harrogate by your side throughout the mortgage process. They will always look to do right by you, hearing and advising on any concerns or questions you have throughout the course of your time with us.
Working with a mortgage broker in Harrogate can allow you to worry and stress much less, as you will be regularly kept informed with the goings on of your mortgage progress. Your assigned mortgage advisor in Harrogate, or one of our trusty mortgage administrators will contact you if any changes need to be made, or if any further information or documentation is needed to go forward with your mortgage application.
We would always highly recommend that you get “mortgage ready” ahead of your mortgage or remortgage process. This can be done by speaking with a mortgage broker in Harrogate. Our team of trusted mortgage advisors in Harrogate will take some key mortgage information from you and look to get you an agreement in principle, if applicable. This can usually be obtained within 24 hours of your initial mortgage appointment.
By having this document to hand, if you are looking to make a purchase on a property, you’ll have any offers you make backed up as it shows a mortgage lender is willing to progress further with you. This indicates you are indeed serious about your offer, and puts you in a far better position than someone would be if they didn’t have this.
If you would like to reflect on your monthly repayments and what they could be, you may find that our mortgage calculator is a useful tool for you. That said, our mortgage calculator is only a rough guide, so does not guarantee a certain figure. Even with this in mind, it could still be incredibly useful for those looking to see how much could be going out of their accounts per month.
Our team of experienced and hard working mortgage advisors in Harrogate, as well as our mortgage administrators, are here to help every day of the week. They will answer any mortgage questions you have, and provide you with the appropriate mortgage advice in Harrogate for the circumstances you are working with.
As clear and simple providers of mortgage advice in Harrogate, it is up to us to find you, our loyal customer, the most suitable mortgage or remortgage deal that is available to your mortgage circumstances. The initial step we’d recommend taking, before you do anything else, is to get booked in for a free mortgage appointment with one of our trusted mortgage advisors in Harrogate.
Whilst you are going through your free mortgage appointment, your mortgage advisor in Harrogate will take a selection of key mortgage information from you, to gain insight into your current financial position. From there, we will then move onwards to reviewing thousands of unique mortgage deals, across a strong selection of mortgage lenders, to find the right mortgage deal for you.
We are wholly confident enough to say that we are able to find our customers the perfect mortgage deal for their property plans, as well as take on the stresses of the process, so you don’t have to. This allows us to stay stress-free as you get closer and closer to your end goal of owning a property or remortgage one that you already have. Book online to take advantage of our expert mortgage advice in Harrogate.
Your free mortgage consultation with a Mortgage Advisor in Harrogate will last for approximately 30 mins. 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 30 mins 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.