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Our Mortgage Broker Guide to getting a mortgage in York

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker York Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Stability helps applications for credit

Lenders tend to favour apparent stability when it comes to granting credit. So staying at the same address (particularly if you are a homeowner rather than a renter), working at the same place and banking at the same bank tend to help.

Consistency in applications, particularly over a long period, helps, such as using the same or similar job title and keeping the same phone number and email address.

Lifetime Mortgage

A lifetime mortgage is a type of equity release and is a long term loan secured on a property, where the amount borrowed depends on the age of the applicant and the value of their property.

It differs from a standard mortgage because the borrower doesn't have to make any repayments at all before the end of the plan.


York is a a beautiful historic walled city in North Yorkshire in Yorkshire County and was founded by the Romans in 71 AD. Landmarks and attractions include York Minster, the largest Gothic cathedral in Northern europe, and Barley Hall, a reconstructed medieval house, among many others. York has two universities, the University of York and York St John University.

YO31 9BP

Property Price Stats for York


Average property price in York £244,130
% Change compared to last year 8%
Population of York 200,018 (2012)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker York - Recently Completed

  • Huntington Rd, City Centre, York YO31 9BP
  • 14 Clifton, York YO30 6BQ
  • 66 Brockfield Park Dr, York YO31 9ER
  • 16 Lendal, York YO1 8DA
  • 47 Front St, York YO24 3BR

Local High Street Banks in York

Mortgage Broker in and around York

Our York mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Knapton, Askham Bryan, Bishopthorpe, Murton, Haxby, Somerford Keynes and Brockfield.

Which banks are local to you?


  • Barclays - 1-3 Parliament St, York YO1 8SE
  • Lloyds - 2 Pavement, York YO1 9UP
  • HSBC - 13 Parliament Street, North Yorkshire, York YO1 8RS

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

York Mortgage Broker Insider Tips

Order your property searches on instruction when moving home in York.

  • Searches, especially from the local authority, can take some time to come back. This can mean that you are all ready for exchange but do not want to proceed because you have not had your search results back.
  • Being organised and booking searches early can mean you get this essential information as early as possible and can make a good, informed decision about whether or not to continue with the purchase.

Click to order your Property Searches
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