Are you in need of Mortgage Advice in Huddersfield?

damianyouellI offer a highly efficient friendly yet professional mortgage broker service for clients in and around the Huddersfield 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

Huddersfield mortgagesOver the years I have built up clients from lots of areas within Huddersfield. Areas include Elland, Rasrick, Brighouse, Mirfield, Holmfirth, Honley, Meltham, Marsden etc. As well as the more local inner town areas such as Golcar, Marsh, Newsome, Lindley, Lockwood and Crosland Moor.

A Few of our Reviews

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 us on free phone 0800 612 3367. 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.

FAQs – Mortgage Broker Huddersfield

How can we help you obtain a mortgage in Huddersfield?

As a fast & friendly Mortgage broker in Huddersfield, we have many years of experience within our team. We know how to help people get mortgages. Our team is very knowledgeable about mortgages, and we’re here to give you advice and guidance. We understand that many people need mortgages, and we want to make sure that you get the right one for you. Customer satisfaction is what motivates our employees to work harder. We want to make sure we provide great service to our homeowners. We know that if we do this, we’ll be able to help them as they become homeowners.

How does our Mortgage Advice process work in Huddersfield?

As a specialist mortgage broker in Huddersfield, we help the buyers to find the most suitable mortgage deal in the Huddersfield area. The first toward getting mortgage advice in Huddersfield is to book an appointment with a qualified independent mortgage broker.

As the part of initial consultation,  your mortgage advisor in Huddersfield will collect information regarding your current financial situation which may include bad credit reports, monthly expenses etc. After understanding your financial situation, an advisor will guide you towards the best mortgage lender in the area with the lowest interest rate and deposit amount. Your mortgage advisor will also recommend the best type of loan for your needs.

After selecting the best mortgage lender, your adviser will conduct further research to ensure that you get the best mortgage deal. He/she will compare different offers from different lenders and help you select the best mortgage product. Once you’ve selected the best mortgage option, your adviser will prepare all necessary documents required by the lender. This includes income proof, bank statements, payslips, utility bills, council tax bills etc. All these documents will be submitted to the lender along with the application form. You should submit your mortgage application with all the documents at least 7 days before the closing date.

Once everything is ready, your adviser will contact the lender and arrange a meeting to finalise the documentation. In case there are any queries or changes needed during the process, he/she will inform you immediately. At the end of the day, once all the paperwork and mortgage application have been completed, your adviser will present you with the offer letter from the lender. You will then sign the agreement and take possession of your new mortgage.

How to choose a mortgage broker in Huddersfield?

Top mortgage brokers should be employees of large companies. Their experience includes first-time buyers in Huddersfield. They should be experienced enough to handle complicated situations like bad credit history, low income or high debts. A good mortgage broker in Huddersfield should be flexible, honest and trustworthy.

A good mortgage broker in Huddersfield will always try to match their client’s requirements with the best mortgage deals available in the market. It is important to note that not every mortgage broker can get you the best mortgage deal. So it is better to look for a mortgage broker who has experience and expertise in the field.

Is it best to use a mortgage broker local to Huddersfield?

Yes! It is always recommended to go through a mortgage broker in Huddersfield as they have more knowledge about the local mortgages and can provide you with the best mortgage deal.

Mortgage brokers in Huddersfield are licensed by Mortgage Business Regulation Authority (MBRA). MBRA regulates mortgage brokers in the UK.

How to purchase a property in Huddersfield?

If you want to purchase a property in Huddersfield, you can do it by contacting a mortgage broker in  Huddersfield area who can guide you with the best mortgage deals available. A mortgage adviser could help you to start on a property ladder. You can read about mortgage appointments on our blog.