Mortgage Broker York | Expert Mortgage advice in York
We offer expert mortgage advice service to help our customers with all their financing needs in York.
Experience fast mortgage approvals with our streamlined process and expert support. Get pre-approved quickly and move one step closer to your new home.
Get with the process with very minimal paperwork and get the work done.
Find the best in market mortgage deals and compare them with offers from your current lender.
Why Choose MortgagesRM as Your Mortgage Advisor York?
Welcome to MortgagesRM – your one-stop shop for impartial mortgage advice in York. We take pride in helping you achieve your dream of homeownership with friendly service and expert guidance.
- We offer local mortgage advice tailored to your circumstances, backed by over 30 years of experience.
- Stephen Kerrigan, our dedicated mortgage broker in York, will personally guide you through every step of the application process.
- We compare thousands of deals across various lenders to find the best mortgage deal for you.
- Use our free mortgage calculator to explore your options and start planning with confidence.
Our first priority is assisting homeowners in locating the mortgage that best suits their needs. We can offer professional guidance and advice throughout the procedure, whether you’re a first-time buyer, looking to switch mortgages, or considering investing in interest-only mortgage or buy-to-let mortgages.
Contact our expert team for mortgage advice in York
Get the Best Mortgage Deal with Expert Mortgage Brokers York
Are you searching for new mortgage deals but are unsure where to look? Utilising a mortgage broker in york with market knowledge will guarantee you obtain the best deal and result in long-term financial goals.
Whether you are looking for first time buyer, self employed, or buy to let mortgages we can offer independent mortgage advice tailored to your personal circumstances.
Call us or contact us online to speak with Stephen Kerrigan, the independent mortgage adviser in York, about your mortgage.
On weekdays, we are open from 9 am to 5:30 pm, and on Saturdays, we are open from 9 am to 5 pm. However, late appointments (beyond 6 pm) can be arranged upon request.
Independent Mortgage Advice York – Best Deals & Buying Costs
Remember, while we provide expert mortgage advice, there are costs involved when purchasing a house beyond just your deposit and mortgage. It’s important to factor these into your budget or savings.
Get in touch with our expert mortgage advisors york and we can give you an idea of how much these fees may be
- Solicitors Costs
- Survey and Valuation Fees
- Stamp Duty
- Removal Company
- Storage Facilities
- Arrangement Fees
We have access to thousands of first-time buyer deals, including special MortgagesRM deals that are exclusive to us as a York mortgage broker. We won’t just find you a great deal; we’ll hunt for the best offer from loan providers that meets your requirements and even allows for any future surprises.
Your independent mortgage broker in York, Stephen Kerrigan, will talk about the Help to Buy scheme with you if this is a good option for you. This is for first-time homebuyers who are buying a property that is a new build. It might enable you to purchase a house that exceeds your first expectations!
You can get a mortgage from Stephen Kerrigan that needs as little as 5% deposit and let homeowners keep 100% of their property.
Our knowledgeable mortgage advisor has over 30 years experience and access to special deals with hundreds of mortgage loan providers so we are sure to find you a great deal!
Our Mortgage Services
Trusted Financial Advice in York for Every Mortgage Journey
We enjoy helping all of our clients, especially those that truly require mortgage advice. Getting the expert financial advice goes beyond simply securing a mortgage; it’s about understanding your circumstances and financial situation. We will walk with you the entire way, making the journey as smooth as possible!
Buying your first home can be a little bit daunting, but we’re here to help with all the challenges of finding your perfect place.
Looking for a better mortgage deal? The process is often not as easy as it first appears.
Thinking of selling your existing property and moving to a new home? It’s important that you try to budget accurately.
Buy-to-Let
This can be one of the popular mortgage options available for those wishing to invest in residential & rental property.
Mortgage Guides And Information
Our Mortgage Guides and Information provide you with comprehensive insights into the mortgage procedure. With our mortgage calculators and expert service, we cover everything you need to know about buying a home. Our resources are designed to help you make informed decisions and navigate the mortgage journey smoothly.
Speak with a Reliable Financial Advisor in York for Your Mortgage Needs
To speak with a York Mortgage Broker, book your Free mortgage appointment online or give us a call.
We’re here to give you more than just answers — we’re here to guide you confidently through every stage of your mortgage journey. Whether you’re a first-time buyer or looking to review your mortgage, our local expert advice is always tailored to your financial goals.
With access to thousands of lenders, we provide transparent mortgage deal comparison so you never miss out on the right offer. Planning a renovation? We can help you secure a mortgage for home improvements to boost the value and comfort of your home.
Worried about saving a large deposit? No problem. We also specialise in low deposit mortgages, helping more people step onto the property ladder with confidence.
Use our free mortgage calculator to explore your options and start planning today — the right deal is just a conversation away.
Enjoy a Stress-Free Mortgage Process When Moving Home!
Moving house can be one of the most stressful times in your life, especially for home movers with growing families trying to balance budgets, timelines, and space needs.
Our team of experienced advisers in York will help take some of the stress away by taking care of your application. We will provide help and guidance throughout the whole process.
Talk to our independent mortgage advisors in York today.
One of the most stressful periods in your life may be when you move house.
By handling your application and the paperwork for you, our dedicated support team will assist to help reduce some of the stress. With our comprehensive service and expert advice, we will help and direct you at every step
Speak to one of our mortgage advisors in York today for expert financial advice and access to exclusive mortgage deals.
What Types of Mortgage do we Offer?
What type of mortgage do you need? First Time Buyer Mortgage? Buy to Let?
- First Time Buyer Mortgages
- Remortgages
- Buy to Let Mortgages
- Self Employed Mortgages
- Bad Credit Mortgages
It's easy to switch mortgages with us!?
Thinking of making a change? Whether you’re looking to fund renovations or simply want a better deal, we’re here to help you unlock the right solution. As existing homeowners, switching your mortgage could mean lower monthly payments, access to funds for home improvements, or securing a more competitive rate.”
With our expert guidance and insights into the best mortgage rates in York, we ensure every option is explored. We also assess your mortgage affordability to find the best possible deal tailored to your financial goals.
Switch your mortgage with us and experience personalised support and a wide range of mortgage services that go beyond the basics.
- Minimum Hassle on Paperwork
- Find the Best Deal From Your Current Lender
- Option to Switch to a New Lender
- Best Deals From Across the Market
A minimum deposit is required for purchasing a property in Doncaster. High street lenders typically require a 5% deposit. A higher deposit may be required if you have had credit problems in the past.
Yes, however, you must submit at least one year’s worth of accounts. To compute the maximum mortgage, most lenders in Doncaster use your salary and dividend, while others may use your net profit.
Second mortgages are possible. This includes debt consolidation mortgages and home improvements. A second mortgage can also be obtained on a second property, but only if it is for the owner’s personal use, a family member’s use, a holiday home or a rental property.
It will take about an hour for our mortgage consultation in Doncaster. Upon completion of your consultation, we can arrange an agreement in principle for you in about 24 hours. A formal offer takes about three weeks.
You must provide three payslips to prove your income if you are an employee. Self-employed applicants in Doncaster will need to supply the latest 2 years’ accounts. Additionally, you must provide proof of identity, address, and three months of bank statements.
A mortgage agreement in principle (AIP) typically lasts between 30 and 90 days, but it can vary based on your lender. It is quite simple to renew an agreement in principle if it expires.
You can do it, but it will be harder. By putting down a higher deposit, perhaps 10% or 15% of the purchase price, you can demonstrate that you can afford a mortgage.
- A soft credit check is a quick look at your credit – it doesn’t affect your credit score. Lenders use it to see if you’re likely to be approved.
- A hard credit check is a full check done when you apply for a mortgage. It shows on your credit report and may lower your score a little.
If you have a poor credit history, we’ll guide you through the credit check process and give you helpful credit report guidance so you know what to expect.
