It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
We frequently receive calls from customers who have been rejected by the bank at the very last minute. This becomes problematic when applicants are well into their process, only to face sudden rejection. As a mortgage broker in Harrogate, it is essential for banks to identify issues at the beginning of the process to prevent such situations.
Mistakes made by the bank’s mortgage advisor can result in customers losing money, leading to unnecessary stress and frustration. If you are uncertain about mortgage criteria before embarking on the process, it could be more detrimental than beneficial. Applying for the wrong mortgage might even hinder your chances of securing one altogether.
Our mortgage advisors in Harrogate have extensive experience in handling complex situations. Therefore, we encourage you to reach out and explore how we may be able to assist you. Feel free to give us a call to discuss your situation and potential solutions.
Obtaining a mortgage can be a simple process if you possess a good credit history, the necessary documentation, and proof of your ability to afford mortgage payments. However, certain situations may arise for some homebuyers that warrant the expertise of a mortgage broker in Harrogate.
Our team of mortgage advisors in Harrogate is dedicated to taking the time to comprehend your goals and striving to identify the most suitable mortgage deal tailored to your specific circumstances.
We work with a large pane of lenders that offer specialist deals that cater to various mortgage situations. We aim to provide you with expert mortgage advice in Harrogate, to find you the most suitable mortgage deal for your current circumstances. We ensure to do everything we can to achieve this.
Bad credit for a mortgage in Harrogate, as in any other location, generally refers to a low credit score or a history of financial mismanagement. Lenders assess creditworthiness based on factors such as late payments, defaults, bankruptcies, and high levels of outstanding debt. The specific criteria may vary among lenders, so it’s advisable to consult with a mortgage advisor in Harrogate for advice based on your financial situation.
Removing a County Court Judgment (CCJ) from your credit file in Harrogate or anywhere else is a complex process. In some cases, you may be able to have a CCJ marked as satisfied upon repayment, but it will still appear on your credit file for a set period. Time is a crucial factor, and CCJs typically stay on your record for six years. Seeking advice from a credit repair specialist or financial advisor in Harrogate can provide guidance on your specific situation.
Whether you need a specialist mortgage advisor in Harrogate depends on your individual circumstances. If you have a complex financial situation, bad credit, or specific mortgage needs, a specialist advisor can provide tailored guidance. However, it’s not always necessary for every individual. Mortgage brokers like ourselves may also offer comprehensive services. Consider consulting with a mortgage advisor in Harrogate to assess your requirements and determine whether a specialist advisor is the right choice for you.
Our Customers Love Us
4.94 Rating34 Reviews
Zoe
Jason and the team have been amazing, so helpful!
3 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...
3 months ago
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
11 months 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...
1 year 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...
2 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...
2 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.
2 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.
2 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...
2 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!
3 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....
3 years ago
Alice
Very quick response from Hannah. Very helpful. Highly recommend
3 years ago
Dane
Great service, professional as well as friendly
3 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!!
3 years ago
During your free mortgage appointment, after giving our with a mortgage advisor in Harrogate, some information about your income and expenses, they can them determine your maximum affordability.
Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you. Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.
Once you accept a purchase offer, your mortgage advisor in Harrogate will proceed to submit your full mortgage application and relevant evidence documents.
Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.
Get in touch with us and get yourself booked in for your free initial mortgage appointment with an experienced mortgage advisor in Harrogate today.
We have access to a large panel of specialist deals, each lender has its own unique mortgage lending criteria for customers, and we may be able to find you the most suitable deal.
You are our responsibility during your mortgage process, and we will always have your best interests at heart. Our mortgage advice team will always aim to give you open and honest mortgage advice in Harrogate and remain by your side through every step of your mortgage process.
You will receive the benefits from this when it comes to your free initial mortgage appointment, where we can get a better picture of your situation 7 days a week and see if we can help you achieve your mortgage goals.
When the assessed value of a property is lower than expected, it may impact the amount a lender is willing to provide for a mortgage. This situation is known as a property down valuation.
Mortgage advice tailored for individuals going through divorce or separation. This may involve refinancing, selling jointly owned property, or determining the mortgage responsibilities of each party.
The process of taking one person’s name off a joint mortgage. This often requires meeting certain financial criteria and the approval of the remaining borrower by the lender.
A mortgage in which only one partner’s name is on the loan, even if the property is jointly owned. This can be a strategic financial decision based on income, credit, or other factors.
A scheme where a buyer purchases a share of a property and pays rent on the remaining portion. Over time, the buyer can increase their ownership share.
Mortgages designed for professionals with unique income structures, such as doctors, lawyers, or entrepreneurs. These mortgages often consider factors beyond standard income assessments.
Mortgages for individuals purchasing a second property, typically for vacation or investment purposes.
Mortgages for properties intended for short-term rentals, like vacation homes or properties used for holiday lettings.
Mortgages specifically tailored for newly constructed homes. These may have different terms or considerations compared to mortgages for existing properties.
Mortgages for properties with unconventional construction materials or methods, such as timber frames or thatched roofs.
Mortgages for properties occupied by multiple individuals or families, such as houses converted into multiple rental units.
Mortgages designed for individuals who are retired or approaching retirement, allowing them to borrow against the value of their property to supplement their income.
Mortgages linked to a savings account, where the balance of the account is offset against the mortgage balance, potentially reducing the interest paid.
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: 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 www.register.fca.org.uk
Contact
Follow Us
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: 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 www.register.fca.org.uk
Speak to an Advisor – It’s Free!
7 Days a Week, 8am – 10pm
