First Time Buyer Mortgage Advice in Harrogate

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We’ll be With you Every Step of the way!

The very concept of buying your first home can be quite daunting but worry not; Your Mortgage Broker in Harrogate is here to save the day!


We love our customers and aim to make the whole experience as simple and stress-free as possible, especially when they’ve never done it before. The last thing you need is to feel anxious about the whole ordeal, so we work alongside you, being friendly and reducing worry.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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First Time Buyer Mortgage Advice in Harrogate

As an expert Mortgage Broker in Harrogate, we have helped many First Time Buyers in Harrogate onto the property ladder, and there is rarely a situation that we have not come across. Below are some popular First Time Buyer scenarios:


  • Curious of how much you can afford or what costs will be.
  • Wanting to make an offer on a dream home, but need assistance in doing this.
  • The purchase offer has been accepted and you’re in need of a mortgage application.
  • Ready for a Mortgage Agreement in Principle.
  • Bank won’t budge and you’re wondering what else you can do.


Contact us to book your free mortgage consultation.

Why choose us for First Time Buyer Mortgage Advice in Harrogate?

Our brilliant team of Mortgage Advisors in Harrogate are available every day of the week from early until late. Can’t do those times? Some of our advisors may even be able to work later in order to help you achieve your dream.


Concerned about your situation? We’re able to search through thousands of deals, so chances are there’s something out there for you – Don’t worry, we’ve got your back on this!


Everything we do is in your best interests. Our advisors and admin staff will keep up their communication with you answering any questions you may have, avoiding jargon to make it as simple as possible for you.


The last thing you need as a First-Time Buyer is to be stressed out, so our team are always on hand to reassure you when things get overwhelming.

Reviews Stars4.93 Rating28 Reviews

Common mortgage

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.

We make it so easy!
Our 4 step process

Step 1

A telephone test call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & 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: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at

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

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Harrogatemoneyman – Workhub Harrogate, C/O Umbrella Property Group, 12 Station Parade, Harrogate, HG1 1UE.

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