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Our Mortgage Broker Guide to getting a mortgage in Yorkshire

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 Yorkshire Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Difficulty getting a loan from a bank? Try a Credit Union instead

Credit unions are 'not for profit' and offer low-interest loans, normally to people living or working in a particular area. APRs offered are generally lower than those of banks, saving you money on interest and therefore your repayments will be cheaper.

You need to become a member of a credit union first and some require you to build up savings with them before they'll let you apply for a loan.

Remortgage

When you already have a mortgage in place, there are various reasons why you might want to renew your mortgage or change providers. This is called getting a remortgage. You might have come to the end of a fixed interest term period, for example, and be seeking a new fixed interest term rather than going on to your lender's standard variable rate, or you might want to get a lump sum to carry out a loft conversion.

To find out more, click on Remortgages


Yorkshire is a ceremonial county and is the largest in the UK. Its administration however is these days split into the following: the administrative county of North Yorkshire; the unitary authorities of Redcar and Cleveland, Middlesbrough, Kingston upon Hull, and York; the part of the unitary authority of Stockton-on-Tees south of the River Tees; and all or most of every metropolitan borough in the metropolitan counties of West Yorkshire and South Yorkshire as well as some other anomalies.

It has an extremely distinguished history and traditionally schoolchildren have been taught about the Wars of the Roses, centring on the Lancashire and Yorkshire.

Its geographical diversity stretches to the high Pennine moorlands in the west, dissected by the Yorkshire Dales; the central lowlands—including the Vale of York—draining into the River Humber estuary in the southeast; the North York Moors and Yorkshire Wolds in the east; and, in the far southeast, the Holderness plain along the North Sea.

Landmarks and attractions are numerous and include, for example, the historic walled city of York, Durham Cathedral, the Botanical Gardens in Sheffield (not to mention the Crucible Theatre, the mecca of snooker), Harewood House in Leeds and the Royal Pump Museum in Harrogate.

YO1 8BP

Property Price Stats for Yorkshire


Average property price in Yorkshire £190,000
% Change compared to last year +2%
Population of Yorkshire 5.3 million (2011)


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 Yorkshire - Recently Completed

  • Springhill Road, York, Yorkshire YO12 4AE
  • 62 Lulworth Avenue, Leeds, Yorkshire LS15 8LN
  • Malham Drive, Harrogate, Yorkshire HG3 2YQ
  • Park Spring Close, Sheffield, Yorkshire S2 3QT
  • Freesia Close, Harrogate, Yorkshire HG3 1FL

Local High Street Banks in Yorkshire

Mortgage Broker in and around Yorkshire

Our Yorkshire mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including York, Leeds, Bradford, Sheffield, Harrogate, Hull and Doncaster.

Which banks are local to you?


  • Lloyds Bank - 2 Pavement, York YO1 9UP
  • Barclays Bank - 69 Albion St, Leeds LS1 5AA
  • NatWest Bank - 3 Cambridge Cres, Harrogate HG1 1PE

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Mortgage Brokers Yorkshire offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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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.

Yorkshire Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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