Mortgage Brokers in York

Total Result 238 - Page 1

First Enterprise Mortgages

First Enterprise Mortgages

Faith Works, Club Mill Rd , Sheffield , South Yorkshire , S6 2FH 0114 232 5370

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HSBC Bank plc

HSBC Bank plc

251 Fulwood Rd , Sheffield , South Yorkshire , S10 3BE 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Mortgage Solutions Ltd

Mortgage Solutions Ltd

1 Cavendish Rd , Sheffield , South Yorkshire , S11 9BH 0114 258 2345

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Mortgage Solutions Ltd

Mortgage Solutions Ltd

1 Cavendish Rd , Sheffield , South Yorkshire , S11 9BH 0114 258 2345

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Moving on Up

Moving on Up

19 Goodison Crescent , Sheffield , South Yorkshire , S6 5HT 0114 2332941

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HSBC Bank plc

HSBC Bank plc

660, Staniforth Rd, Darnall , Sheffield , South Yorkshire , S9 4LQ 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Blue-Chip Mortgages Ltd

Blue-Chip Mortgages Ltd

15 St. Albans Close , Sheffield , South Yorkshire , S10 4DJ 0114 323 0041

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Nottingham Building Society

Nottingham Building Society

17, Bellhouse Rd, Firth Park , Sheffield , South Yorkshire , S5 6HJ 0114 243 9215

The Nottingham offers a range of financial services and also administers personal loans and mortgages....

John A Hibbard Ifa

John A Hibbard Ifa

38 Smithfield Rd , Sheffield , South Yorkshire , S12 3JN 0114 265 8117

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Chris Tong @ Mosaac

Chris Tong @ Mosaac

Unit 25,Fusion At Magna, Magna Way , Rotherham , South Yorkshire , S60 1FE 01709 789500

Chris Tong @ Mosaac Ltd - Independent financial adviser Free preliminary session, genuinely independent financial recommendation. 20 years plus expertise within the business,initially labored fo...

HSBC Bank plc

HSBC Bank plc

37, High St, Meadowhall Shopping Centre , Sheffield , South Yorkshire , S9 1EN 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Mortgage Options

Mortgage Options

25 Brinsworth Lane , ROTHERHAM , South Yorkshire , S60 5BS 01709 377650

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Paul Anthony Rogerson

Paul Anthony Rogerson

9 Cotleigh Rd , Sheffield , South Yorkshire , S12 4HY 0114 228 0957

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Pure Mortgages

Pure Mortgages

Linden House, 34, Moorgate Rd , Rotherham , South Yorkshire , S60 2AG 0870 7575556

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Paul Anthony Rogerson

Paul Anthony Rogerson

9 Cotleigh Rd , Sheffield , South Yorkshire , S12 4HY 0114 228 0957

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Pure Mortgages

Pure Mortgages

Linden House, 34, Moorgate Rd , Rotherham , South Yorkshire , S60 2AG 0870 7575556

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Mortgage Talk Ltd

Mortgage Talk Ltd

Moor Park House, Bawtry Rd, Wickersley , Rotherham , South Yorkshire , S66 2BL 0844 8226100

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HSBC Bank plc

HSBC Bank plc

Crystal Peaks Shopping Centre, 10, Peak Square, Crystal Peaks , Sheffield , South Yorkshire , S20 7PH 0345 740 4404

HSBC is a high street bank with branches all over the UK. They offer various services including financial advice, loans, mortgages and insurance. It is one of the world's largest banking and finan...

Riverside Financial Group Ltd

Riverside Financial Group Ltd

5 Riverside Precinct , Rotherham , South Yorkshire , S60 1ND 01709 365366

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Buy to Let Landlord Solutions

Buy to Let Landlord Solutions

52a, High St, Beighton , Sheffield , South Yorkshire , S20 1ED 0845 3884247

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If you are looking for mortgage brokers in York, 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 York.

All the mortgage brokers in York available on our directory are fully authorized and regulated by the financial conduct authority. They will offer complete mortgage in York solutions including mortgage in York 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 York 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 York advisor when to seek advice, where to get free mortgage in York advice, how your bank might be able to help, and which comparison websites you can check.

How to choose the right mortgage in York?

Mortgage in York advice: Yes or no?

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

How to choose the right mortgage in York?

The mortgage in York 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 York 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 York 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 York 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 York to offer advice before recommending any mortgage for you.

Before giving out any suggestions, they will assess the level of mortgage in York 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 York 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 York for you.

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

Risks of not getting mortgage in York advice

It is an act of prudence to do your homework before availing of any financial services from your mortgage broker in York. 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 York, 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 York advisor and go for it based on your independent research, you have to take full responsibility for your mortgage in York decision if the same turns out to be unsuitable in the future.

Consequences of nontaking mortgage in York 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 York 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 York, which is not suitable as per your financial capabilities.
Hence, taking a decision after availing advice from your mortgage in York 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 York adviser?

A mortgage broker in York or advisor is a specialist in mortgages in York and possess in-depth knowledge of the market. They have the expertise and experience to study a wide range of mortgage in York 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 York advisors in the market:

Advisors tied to a specific lender: They would provide you with mortgage in York 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 York 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 York, thus ensuring income protection.
They can offer you attractive deals and offers, which are otherwise not available if you search for a mortgage in York 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 York into account, beyond the interest rate.
They should only recommend a mortgage in York 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 York proves unsuitable to you.
Finding a mortgage in York advisor

Following are some of the top websites for finding details about mortgage in York advisors in York 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 York 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 York.

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 York illustration document(s). This document outlines the terms and conditions of the mortgage in York along with the details of the loan. As it contains all the key facts on the mortgage in York, 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 York. 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 York:

What most people look for while going for a mortgage in York 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 York 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 York 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 York 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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