mortgage broker oldham

Mortgage Advice in Pontefract

At our mortgage broker firm, we provide a top-notch and personable service to clients within and near the Pontefract area. Our team of experts specialize in a wide range of mortgage solutions, from simple purchases to complex cases such as multiple buy-to-let remortgages and onward purchases. We take pride in helping our clients achieve their financial goals, and our past clients have expressed great satisfaction with the service we provide. Contact us today for a highly efficient and professional mortgage broker service.

Damian Youell

Damian Youell

Are you in need of Mortgage Advice in Pontefract?

At our mortgage broker firm, we have established a diverse client base in numerous areas within Pontefract. Our clients come from various neighbourhoods including Ferrybridge, Knottingley, Featherstone, East Hardwick, Ackworth, and many more. We take pride in our ability to provide excellent service and mortgage solutions to clients from all backgrounds and locations. Contact us today to see how we can assist you with your mortgage needs.

Looking for a reliable mortgage broker in Pontefract? Look no further! Our expert team of mortgage brokers is dedicated to helping you secure the best mortgage solution for your needs. With our extensive knowledge and experience, we can provide you with a range of options, whether you are looking for a straightforward purchase or a more complex buy-to-let remortgage. As a historic market town located in West Yorkshire, Pontefract is a bustling hub of activity and a popular place to live, with excellent transport links and a rich cultural heritage. Our mortgage broker services are tailored to meet the unique needs of residents in and around Pontefract, including neighborhoods such as Ferrybridge, Knottingley, Featherstone, East Hardwick, and Ackworth. Contact us today to find out how we can help you with your mortgage needs.

A Few of Our Reviews

Damian Youell

Feel Free To Start WhatsApp Chat With Us...

How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

Feel Free to Contact Us

Efficient Easy to Understand Process..

The 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 of 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 you can contact us 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, we can help and then we will arrange a convenient time to call you to go through things in more detail.
Once 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.
The 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, and bank statements so you can prepare these for our home visit.
The final step is for me to pop out to see you scan any of the required documents that the lender requires. Typically payslips, bank statements, passports, and address ID will be required. Other information such as the address of the property you are buying, the name of the estate agents you are buying through, the 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 been completed.

Types of Mortgages Offered

First 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.
Meet Our Specialist Mortgage Broker

Equity Release Lifetime Mortgages

Equity Release is a product which allows you to unlock cash from the value of your loan. One of the popular Equity Release Product is a Lifetime Mortgage. Lifetime mortgages are designed for people who want to release equity in their property and use the money to pay off other debts or simply enjoy life without worrying about repaying the mortgage. The main benefit of this type of mortgage is that it can be used as an alternative to paying off debt, such as credit cards or personal loans. The interest on these types of products will typically be lower than standard variable rate mortgages. We now have a dedicated adviser who specialises in equity-release mortgages. If you are age over 55 and need equity release for home improvements, paying off an interest-only mortgage, a gift to family or another reason for equity release then feel free to contact us.
Meet Our Equity Release Broker

Buy 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.
Meet Our Specialist Mortgage Broker

Remortgages

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.
Meet Our Specialist Mortgage Broker
Damian Youell

Feel Free To Start WhatsApp Chat With Us...

How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

Feel Free to Contact Us

Check Our Equity Release Mortgages Section

FAQs

What is a mortgage broker, and how can they help me in Pontefract?

A mortgage broker is a licensed and regulated professional, authorised by the Financial Conduct Authority (FCA), who acts as an intermediary between you and potential mortgage lenders. They assess your financial requirements, credit report, and long-term financial planning goals to recommend suitable mortgage options. In Pontefract, our expert mortgage brokers at KH Mortgages and our partners across West Yorkshire Money provide bespoke advice tailored to your circumstances. Whether you are a first time buyer, looking for a buy to let mortgage, or exploring residential mortgages, we help you secure the right mortgage deal while saving time and reducing stress.

What services do you offer as a mortgage broker in Pontefract?

As a trusted mortgage brokerage firm, recognised in the Mortgage Introducer Awards and Yorkshire Prestige Award, we offer a full range of services including:

  • Mortgage application support – from initial meeting to agreement in principle and full submission.
  • Specialist advice for first time buyers, self-employed mortgages, buy to let, commercial lending, and second charges.
  • Protection services such as mortgage protection, income protection, and bespoke advice on life cover.
  • Wider financial planning support, including investments and savings, pension transfers, inheritance planning, and long-term care.
  • Ongoing support with lenders, estate agents, and solicitors to simplify what can otherwise be a stressful process.
  • Access to exclusive deals not always available directly to customers.

We also partner with award-winning firms such as Carlile Financial and Belle Maison Mortgage Solutions to ensure you receive the highest standard of advice.

How do I get started with a mortgage broker in Pontefract?

Getting started is straightforward. Simply contact us via phone, our online system, or through social media to arrange your initial meeting. During this consultation, we complete a fact find to understand your financial position, goals, and preferences. Our team then provides bespoke advice on the best options, helping you move forward with confidence. Many of our clients come to us through recommendations from friends and family or leading estate agents such as William H Brown, who value our reputation for personal service and customer service excellence.

How much does it cost to use a mortgage broker in Pontefract?

Our pricing is completely transparent. Some lenders pay us a procuration fee for placing business with them, while in other cases we may charge a broker fee depending on the complexity of your case. This will always be explained upfront so you can make an informed decision. As a Top Rated Mortgage Adviser, featured in The Times Newspaper and Top Rated Guide, we believe in fair and clear costs, ensuring you always know what you are paying for.

Can a mortgage broker help me with bad credit?

Yes. Even if you have a less-than-perfect credit report, we work with a panel of specialist lenders who understand that life circumstances can affect your credit history. Whether you are a first time buyer, looking to buy your first home, or remortgaging, our financial advisers can find solutions suited to your profile. Many of our clients with past credit issues have still secured mortgages through our expert mortgage brokers thanks to access to lenders not always available on the high street.

How long does it take to secure a mortgage with a broker in Pontefract?

The application process varies depending on your personal circumstances, lender requirements, and supporting documents. On average, a mortgage can take 2–6 weeks from agreement in principle to full offer. However, with our efficient online portal and support from our dedicated legal team, we can often speed up the process. We provide regular updates via email, phone, and even audio tours of progress within our system, ensuring you’re never left in the dark.

What recognition do you have as a mortgage broker in Pontefract?

We are proud to be multi-award-winning, with recognition at the Mortgage Introducer Awards, Yorkshire Financial Awards, and nominations for Mortgage Broker of The Year. Our team has also been recognised as the Best Mortgage Broker and Best Protection Broker in Yorkshire for our outstanding protection advice and customer service.

Do you also provide protection and financial planning services?

Yes. Beyond mortgages, our advisers offer financial mentoring, financial coaching, and advice on areas such as:

  • Retirement income planning and auto enrolment pensions.
  • Reviewing existing pensions including Guaranteed Annuity Rates and Guaranteed Minimum Pension.
  • Inheritance planning, trusts, and working with your solicitor on estate planning.
  • Protection services including life cover, income protection, and business protection.

By combining mortgages with investments and savings advice, we help clients plan not only for today but for their long-term financial future.

What if I have a complaint?

We take all concerns seriously. As a regulated firm, you are protected by the Financial Ombudsman Service and the Financial Services Compensation Scheme (FSCS). Our customer-first approach means we aim to resolve issues swiftly and fairly, reflecting our reputation as a Mortgage Brokerage Firm built on trust, transparency, and professionalism.

About The Author

mortgage broker damian youell

See some of Damian’s client reviews below

Damian is an experienced mortgage broker, founder of NeedingAdvice.co.uk Ltd and company director. With over a decade working as a mortgage broker he has a strong understanding of hard to place mortgage cases. With hundreds of 5 star client reviews. hundreds of repeat clients his work speaks for himself.

He started NeedingAdvice.co.uk as a one man band with the philosophy of putting clients needs ahead of his own. This ethos of offering excellent customer service has helped the business grow over the years. He gets satisfaction on getting cases pushed through to offer stage where other mortgage broker and companies have failed.

Throughout his time as an adviser he has carved out a niche area of advice helping clients with their business protection requirements too. Having helped hundreds of client with Relevant Life Policies, Shareholder Protection Insurance, Keyperson Policies and other important protection requirements of large to small businesses.

At home he is a family man and likes to spend his time with his four children and wife Lisa. He enjoys going on holidays spending time with friends and going for walks.