Mortgage Brokers in Halifax

Total Result 19 - Page 1

Mortgage Advisory Network Ltd

Mortgage Advisory Network Ltd

17a Wakefield Rd, Hipperholme , Halifax , HX3 8AA 01422 413963

Mortgage Advisory Network - Halifax Office affords complete market mortgage recommendation. We might help with Purchase-to Let Mortgages, Residential Mortgages, and Lifetime/Equity Release Mortgages. ...

The Yorkshire Mortgage Co

The Yorkshire Mortgage Co

8 Cheapside, Shelf , Halifax , HX3 7PJ 01274 605130

...

The Mortgage Desk

The Mortgage Desk

17 King Cross St , Halifax , HX1 2SH 01422 411336

Now we have entry to Over 2000 Mortgage Schemes together with Excessive Road Banks, Personal Banks, Constructing Societies and Dealer Solely Lenders this permits us to supply our shoppers probably the...

Look 4 Mortgages

Look 4 Mortgages

Suite M1 Calder St, Greetland , Halifax , HX4 8AQ 0800 009 6231

With over 15 years of expertise in Mortgages, I supply all of my clients a very personalized {and professional} service in all facets of their mortgage. Whether or not or not it's a full involvement w...

Mortgage Advice Bureau

Mortgage Advice Bureau

8 Silver St , Halifax , HX1 1HS 01422 433849

...

Woodhall Mortgages

Woodhall Mortgages

Office A3 Ground Floor Croft Myl, West Parade , Halifax , HX1 2EQ 01422 354011

...

Major Financial Services

Major Financial Services

28 Lynton Grove, Bradshaw , Halifax , HX2 9XN 01422 246879

...

Yorkshire Building Society

Yorkshire Building Society

12 Corn Market , Halifax , HX1 1TH 01422 229168

At the current time, we ask that you only visit our branches and agencies to carry out essential transactions. Visit our website to find out what essential transactions are, how you can manage your fi...

Refresh Personal Finance Ltd

Refresh Personal Finance Ltd

Holmfield Mill Holdsworth Rd , Halifax , HX3 6SN 01422 231400

...

Mortgage Advice Bureau

Mortgage Advice Bureau

6 Greenholme Court , Halifax , HX4 8LQ 01422 311621

...

Bramleys Mortgage Service Ltd

Bramleys Mortgage Service Ltd

4 Throstle Bower, Wainstalls , Halifax , HX2 7TR 01422 241093

...

Halifax

Halifax

1&3 Market St , Halifax , HX1 1RN 0345 720 3040

Halifax is a unique bank on the high street. Halifax colleagues go the extra mile to make things easier for customers, removing barriers and complexity from their everyday lives whether in a branch, o...

Nationwide Building Society

Nationwide Building Society

1/2 George Square , Halifax , HX1 1HF 0800 554 0828

As a mutual, we’re owned by and run for, the advantage of our members* – that means we’re free to reinvest extra of our earnings into better services and products. Final yr alone, we paid again ...

Yorkshire Bank

Yorkshire Bank

7 Waterhouse St , Halifax , HX1 1XZ 0800 456 1247

Yorkshire Bank PLC offers a range of services for personal and business customers such as financial advice, loans and mortgages....

Santander

Santander

32 Southgate , Halifax , HX1 1DL 0800 912 3123

Santander provide a wide range of banking services, from current and savings accounts to loans, credit cards and mortgages....

Leeds Building Society

Leeds Building Society

31 Commercial St , Halifax , HX1 1BE 01422 362359

Leeds & Holbeck Building Society offer a range of financial services including mortgages, investments, savings, deposits, insurance and financial advice....

Lloyds Bank

Lloyds Bank

Commercial St , Halifax , HX1 1BB 0345 602 1997

Lloyds Bank is proud to serve the people, businesses and communities of Britain. Lloyds Bank is one of the UK’s leading retail and commercial banks, with high-street branches, award-winning online, ...

NatWest Bank plc

NatWest Bank plc

1 Waterhouse St , Halifax , HX1 1JA 0345 788 8444

NatWest is a large high street bank with branches nationwide. They offer various services such as financial advice, loans, mortgages and foreign exchange....

Barclays Bank plc

Barclays Bank plc

203 King Cross Rd , Halifax , HX1 3JL 0345 734 5345

Barclays Bank PLC is a high street bank with branches throughout the UK. They offer many services including personal banking, loans and advice when purchasing a home or a car....


If you are looking for mortgage brokers in Halifax, then you are in the right place. We are an online directory of mortgage brokers in the United Kingdom brokers who will assist you with the complete process of credit and mortgage in Halifax.

All the mortgage brokers in Halifax available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in Halifax solutions including mortgage in Halifax advice, protection advice, and all other mortgage-related financial services. You can filter your search as per your occupation too. It does not matter if you are self-employed, employed or business owner, you can search for a broker with the needed expertise.

Getting a mortgage in Halifax is one of the riskiest financial decisions of your life if not executed with prudence. It involves huge risks added with complex terms and conditions. Hence, it is important to get it done the right way. For a first time buyer, it is even more complicated.

The following guide will help you ascertain if you should get a mortgage in Halifax advisor when to seek advice, where to get free mortgage in Halifax advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in Halifax?

Mortgage in Halifax advice: Yes or no?

Risks of not getting mortgage in Halifax advice.
Speak to your bank and people you know
When to approach a mortgage in Halifax adviser
Browse through different websites
Factors to be considered before choosing a mortgage in Halifax

How to choose the right mortgage in Halifax?

The mortgage in Halifax market is incredibly competitive and fluctuating at the same time. With so many different products and options available from various providers, it gets quite difficult to come to a decision while selecting the best option for you. If you are among first-time buyers, everything is sure to go over your head.

However, there is no need to panic. The best and first is to approach your bank as well as a few independent mortgage in Halifax advisors, to see what they have to offer. These initial discussions will give an idea of what the market is currently offering, how it all works, and which are the options that could serve your best. They will also help you learn about the different mortgage in Halifax and protection features.

Given below is a guide that will navigate you through all the steps to help you study your options carefully before making a final decision.

Mortgage in Halifax advice: Yes or no?

It is always a good idea to get in touch with an advisor.

The Financial Conduct Authority of UK mandates every Lender (banks and financial institutions) and mortgage broker in Halifax to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in Halifax repayments you will be able to afford by analyzing your total income, debt consolidation, and day-to-day spending. They will do the required calculation and adjustment to determine the amount of mortgage in Halifax credit that suits your needs and financial capabilities to be able to keep up repayments on time.

Is it mandatory to go with your broker’s advice?

It is not mandatory to choose what your lender or broker suggests to you. You can select your deal as per your independent research and study too. Taking advice will definitely help you gain clear insights into all the aspects of the terms and conditions of the credit. It will provide you with the requisite answers you are seeking to select the best mortgage in Halifax for you.

When you choose your own mortgage in Halifax without seeking any kind of financial advice it’s termed as an “execution-only” application.

Risks of not getting mortgage in Halifax advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in Halifax. So, gather your financial information before you talk to lenders or brokers. the list of details that need to be ascertained is given as under:

If you are employed, then have your P60 forms (last 2 years) and last three payslips ready with you.
For self-employed people, have your tax returns duly certified by an accountant or professional adviser
Source of income: Take into account your income from all sources including regular, irregular, investments, and speculative income.

Evidence of daily expenses
Evidence of debts
You future affordability: This checks how you would be able to afford if there is an increase in the interest rate in the future
If you avail of a mortgage on the advice of your mortgage broker in Halifax, which turns out to be unsuitable for you later on, then you’ll have more rights when you make a complaint. You will enjoy the right to make a complaint of financial mis-selling if the advice you were given turned out to be unsuitable for you.

However, if you do not take any advice from your mortgage in Halifax advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in Halifax decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in Halifax advice:

If you end up with the wrong mortgage, you won’t enjoy any right to make a complaint of mis-spelling. your mortgage in Halifax will turn into bad credit and it will prove to be a financial disaster for you.
You might be rejected by your lender for selecting a mortgage in Halifax, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in Halifax advisors is the best choice especially for a first-time buyer if you want to avoid bad credit later on.

Speak to your bank and people you know

Speaking to your banks is always a good starting point because they know your financial situation inside out. They will always advise you with the best commercial mortgages to go for depending on your needs. They do not charge any fee for their advice as it is a part of their customer service.

You can also talk to their friend and colleagues to learn about their mortgages. They can brief you on the terms and conditions. You can see how their products stack up against the competition before making a final choice.

When to approach a mortgage in Halifax adviser?

A mortgage broker in Halifax or advisor is a specialist in mortgages in Halifax and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in Halifax products before suggesting the best option.

It’s a good idea to speak to a few of them to know about the offers prevailing in the market.

There are three main types of mortgage in Halifax advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in Halifax advice and deals from a specific lender only. they will not look at a wide range of options for you. They generally provide free mortgage in Halifax advice.
Tied to a limited list of lenders: As compared to a specific one, they would offer you financial solutions from a set of few lenders.
Not specific to any lender: They would look at various products from the whole market and provide you with a wide range of options based on your individual needs.
Advantages of using an advisor:
They’ll advise you based on your financial capability to make repayments on your mortgage in Halifax, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in Halifax independently.
They will assist you with the paperwork, help you understand all the terms and conditions properly. Your applications get processed and approved faster.
They’ll help you take all the costs and features of the mortgage in Halifax into account, beyond the interest rate.
They should only recommend a mortgage in Halifax that is suitable for you and will tell you which ones you’re likely to get
You will enjoy protection in the future if the mortgage in Halifax proves unsuitable to you.
Finding a mortgage in Halifax advisor

Following are some of the top websites for finding details about mortgage in Halifax advisors in Halifax and other parts of the UK

Cherryfind.co.uk
bmadvisers.co.uk
landc.co.uk
Unbiased.co.uk
VouchedFor.co.uk
capitalfortune.com

Fees and charges

The fees and charges of a Mortgage in Halifax advisor will depend on the type of financial solutions and services you avail of. It also depends on the type of product you choose and the value of the mortgage in Halifax.

Some lender specific advisors may provide free advisory services because they receive a commission from their lenders on approved deals.

They will tell you the amount of fee they will charge and there won’t be in any hidden cost.

Once your broker makes a product recommendation they must give you a mortgage in Halifax illustration document(s). This document outlines the terms and conditions of the mortgage in Halifax along with the details of the loan. As it contains all the key facts on the mortgage in Halifax, it is usually called a key facts illustration.

European Standard Information Sheet
The European Standard Information Sheet provides s standard format of pre-contractual information that needs to be provided by a lender while issuing a mortgage in Halifax. The Mortgages Conduct of Business (MCOB) rules of FCA mandates every lender provide this document to their clients.

Factors to be considered before choosing a mortgage in Halifax:

What most people look for while going for a mortgage in Halifax is a low-interest rate. However, there are many other important factors that need to be considered before making a choice.

Some of the important factors are listed as under:

APRC: (Annual Percentage Rate of Charge): APRC is calculated by expressing the amount of mortgage in Halifax fees and interest rate as a percentage.
Deposit size: Generally lower interest rates are available with higher deposit amounts.
The standard rate: It is the rate your mortgage in Halifax will switch to once the fixed-rate deal ends.
Duration of interest?: Whether interest will be charged daily, monthly, or annually? Daily interest generally works out cheaper.
Flexibility of repayments: Can you overpay your mortgage in Halifax before time without being charged? Can you take a break from making payments if at any time you are amidst a financial crisis?

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