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Speak to an Advisor 7 days, 8am - 10pm
Explore your mortgage affordability with our free, easy-to-use calculators.
Work out how much you can borrow based on your income and deposit size.
Work out your mortgage repayments based on your property value and deposit size.
Work out your mortgage repayments based on your buy to let property value and deposit size.
Our Customers Love Us
4.95 Rating38 Reviews
Anonymous
Dinah Harros helped me figure out everything I needed to as a first time buyer and made me feel at ease. Amy Kerwick would regularly call to update me on my situation - which I was grateful for - especially nearing the end when all you want to hear...
2 months ago
Daniel
Wayne and debbie were excellent. Great service
4 months ago
David
Harrogatemoneyman provided an excellent service. When we contacted our existing lender to increase our loan, it told us we can't even afford the loan we already have despite us never having missed a payment in the 17 years it has run. Dan was able...
4 months ago
Anonymous
Jason & Debbie have been extremely efficient; with our mortgage being offered within 2 weeks from initial contact. Excellent communication and helpful advice throughout, especially as I am self employed. Highly recommend!
4 months ago
Zoe
Jason and the team have been amazing, so helpful!
1 year 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...
1 year ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
2 years 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.
2 years 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.
2 years 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...
4 years ago
Deanna
Leanne was so friendly and approachable. Extremely helpful.
4 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!
4 years ago
Heather
Polite helpful reassuring conversation. Very helpful.
4 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
Helpful Guides
Our mortgage calculators are designed to provide an estimated figure based on the information you input.
While they’re a great starting point to explore your options, it’s always best to speak with a mortgage advisor for a more accurate assessment tailored to your specific circumstances.
Our mortgage advisors will consider factors like your credit history, income details, and personal situation to give you a precise figure.
Our mortgage calculators are simple to use and cover a variety of needs.
Our How Much Can I Borrow Calculator gives you an estimate of your borrowing potential based on your income.
The Repayment Calculator helps you see what your monthly repayments might look like.
For landlords, the Buy to Let Repayment Calculator offers tailored estimates and our Stamp Duty Calculator calculates potential tax costs when purchasing a property.
Additionally, our Remortgage Calculator can help you explore potential savings or new repayment terms when switching your mortgage.
Simply input your details, and the calculators will provide quick insights into your mortgage options.
Yes, all our mortgage calculators are completely free to use.
They’re available to help you gain a better understanding of your mortgage options without any obligation.
Whether you’re curious about how much you could borrow or the monthly repayments on a potential property, you can explore your options at no cost.
No, the information you enter into our mortgage calculators is not collected or stored.
These tools are designed to provide quick and anonymous estimates based on the details you input.
We respect your privacy, no data is saved or shared when using our calculators.
Getting in touch with a mortgage broker like us is recommended at several key stages in your journey.
If you’re starting to explore your options, a broker can provide expert advice tailored to your circumstances.
When you’re ready to apply for a mortgage, they can guide you through the process and help find the most suitable deal.
A mortgage broker is especially helpful if you have complex requirements, such as adverse credit, or if you’re unsure where to begin.
Speaking with a mortgage broker like us ensures you’re supported every step of the way.
The deposit amount you’ll need for a mortgage depends on the type of property and your personal situation.
For most residential mortgages, lenders typically require a deposit of at least 5% of the property value.
For Buy to Let mortgages, the minimum deposit is usually higher, often around 20-25%.
If you have bad credit, lenders may ask for a larger deposit to reduce their risk, which could range from 15% or more.
Using our calculators can give you an estimated figure, but for a personalised approach, speaking with a mortgage advisor is highly recommended to explore your options.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
Read our 38 Reviews
Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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