standard Mortgage Broker Bradford

Are you in need of Mortgage Advice in Bradford?

damianyouellI offer a highly efficient friendly yet professional mortgage broker service for clients in and around the Bradford area. Clients use me for simple mortgages such as a straight forward purchase or for much more complex cases such as multiple buy to let remortgages and onward purchases. I have helped many clients who have been more than happy with the service I offer.

Areas Covered

Mortgage Broker BradfordOver the years I have built up clients from lots of areas within Bradford. Areas include Addingham, Baildon, Burley, Clayton, Cullingworth, Denholme, Harden, Haworth, Cross Roads and Stanbury, Ilkley, Keighley, Menston, Oxenhope, Sandy Lane, Silsden, Steeton with Eastburn, Wilsden and Wrose

Ring Damian on 07912 076990 or 0800 612 3367
Contact Me By Email…

What my clients think …

  • Chris from Durham – Relevant Life Policy and Various Mortgages Explained to Damian our requirements – the most tax efficient way for providing for company life insurance. Damian researched the market and came back with a number of options. The one we eventually went with was exactly what we required. We’ve used Damian a number of times before and have had no problems or regrets. You really feel he is working for you. Cant recommend him highly enough

  • Julie from Wigan – Critical Illness Cover and Relevant Life Policy Needing Advice gave me an efficient and informative service, all our needs were thoroughly examined and several competitive quotations generated. Communication with Damian was friendly, fast and he concisely answered all our queries, we were up and running with life and critical insurance policies within 2 weeks. I would happily recommend Needing Advice

  • Michael from Brighouse – Mortgage Just to let you know, though i presume you already do, that the house purchase went through last friday. Everything was reasonably smooth just a little hiccup with carolyns name only on the deed because the mortgage was to be in her name. Anyway thanks for everything if we need anything like this again we will be in touch, and will tell people about you if they need any advice . Merry Christmas and a happy new year

  • Tracey from Chesterfield – Mortgage & Life Insurance ‘I was very impressed with the service I received from Damian. He was professional and efficient from start to finish. Damian was in regular contact via email and telephone and was always available to answer any questions. He was always friendly and knowledgeable. I would definitely recommend Damian.’ Thanks again Damian. We had a very different experience with the solicitor, including a last minute stressful trip up to Liverpool to ensure completion took place on time, so thankfully your part was the easiest. All the best for Christmas especially with the new addition to the family! Kind regards

Efficient Easy to Understand Process…
Step 1 Initial Chat
mortgage broker phoneThe first step in the mortgage advice process is for us to have a brief initial chat. You can ring me on 07912 076990 or free phone 0800 6123367. We can then have a few minutes chat to work out whether what you are trying to do is possible. At this stage only a brief outline of what you are trying to do is covered. If you are at work and cannot make a call the you can contact me via email to have a discussion about what you are trying to achieve. At this stage it may be that what you are trying to do is not possible for example if you have no deposit or not enough income. However in most cases I can help and then I will arrange a convenient time to call you to go through things in more detail.
Step 2 Fact Find
fact findOnce we have determined that I can help you then I need to find out hard and soft facts about you so I can begin to formulate solutions. Areas I need will cover basic details like full names and addresses, date of birth, employment status and income. Other areas will include your credit commitments and outgoings. Lastly we will talk about the mortgages you want what deposit you have, what your budget is, what type of interest rate you would prefer. We will also look at what protection solutions you have in place and how whether or not these will be suitable for your new mortgage. We will discuss time scales and when you are looking to move with the solution and then agree a time when I will email the figures to you.
Step 3 Detailed Figures
mortgage figuresThe detailed mortgage figures will enable you to know two things. Firstly that what you are looking to achieve is definitely doable. Secondly you can look at the figures and work out whether the payments are affordable and thus the idea feasible. Included in the top of the email is a summary of what we discussed and a brief overview of the deposit, loan etc. The middle section details the mortgage figures such as the interest rate, term, monthly payment, fees and charges etc. This information is also attached in the form of a key fact illustration. The bottom of the email lists all the items that would be required in order to proceed with the application such as, payslips, passports, bank statements so you can prepare these for our home visit.
Step 4 Paperwork
application paperworkThe final step is for me to pop out to see you to scan any of the required documents that the lenders requires. Typically payslips, bank statements, passports, address ID will be required. Other information such as the address of the property you are buying, name of the estate agents you are buying through, name of a solicitor you want to use etc will need to be gathered. Once this is complete then I will fill in the application form on your behalf and deal with the lender throughout the whole process until the mortgage has completed.

Types of Mortgages Offered …

  • first time buyer mortgagesFirst Time Buyers I offer expert advice and house buying guidance for those first time buyers looking to get on the housing ladder. The mortgage process can seem confusing for first time buyers and having someone to explain the complex jargon in easy to understand language can simplify the process. Many first time buyers only have small deposits and therefore shopping around to get the best deal from the whole mortgage market is important. As well as the mortgage itself helping first time buyers take advantage of the various protection policies that are available and helping them choose the right solution for their own situation is important. Ensuring that the lender offered to the first time buyer is the right one and that the applicant fits all the lenders criteria is taken care of by myself.

  • buy to let mortgagesBuy to Let Mortgages Many clients that I see these days either already have buy to lets or are quite keen to get their own first time buy to let mortgages. The high street doesn’t really offer much choice when it comes to buy to let mortgages. Many of the high street lenders have their own specialist lender for buy to lets such as The Mortgage Works or Birmingham Midshires. These lenders are often only available through intermediaries such as mortgage brokers. Many of the buy to let lenders have criteria that is hard for clients to match and thus comparing lots of lenders and knowing each lenders criteria is sometimes the only way a client can get a mortgage agreed.

  • remortgage reasonsRemortgages Many clients I see often just want to remortgage to get a better interest rate. Others want to move the mortgage from interest only to a capital and interest repayment mortgage. Others want to release equity from their homes to do home improvements, give family a deposit, raise funds to buy another property, divorce settlements and a host of other reasons. Again comparing the whole mortgage market’s rates and lending criteria helps my clients get the right mortgage for their unique circumstances.

About the Author

A fully qualified mortgage broker and financial adviser. Helping clients with business solutions such as Shareholder Protection and Relevant Life Policies. Also offering personal clients excellent advice on Mortgages and Protection solutions.

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