Mortgage Searches Made Simple
At Avail Mortgages, we navigate clients on the right path to finding a mortgage deal that works for them. With 35 years of combined experience, our team of brokers are committed to providing our clients with excellent services underpinned by industry knowledge and expert advice. Our transparency, honesty and passion for finance and customer service are unrivalled, and we exemplify this throughout everything we do, whether that’s by delivering an online experience or in-person advisory services and appointments. By offering a comprehensive range of mortgages, we can source a financial solution to meet your personal circumstances.
Whilst we serve plenty of clients in our surrounding areas of Leeds, Bradford, York, Huddersfield, and Harrogate, we do operate nationwide across the UK – wherever your location, we are here to help. Our approachable team of experts are highly responsive, transparent, and reliable. From start to finish, we ensure that your personal situation and requirements are central to our advice and guidance, which can help you to make informed financial decisions.
Below, you can apply for a mortgage or conduct a search. However, if you’d rather speak to our team, we can answer your questions by phone. Just call 0330 118 0383 and a member of our team will be happy to answer any of your questions.
Check Your Mortgage Eligibility In A Few Simple Steps
Checking your eligibility couldn’t be simpler thanks to our online tool. All you have to do is fill the fields with your information here, and you’ll receive a mortgage report to help you make sense of your eligibility. Doing so can help you to plan ahead, so you know exactly where you stand and what your financial situation is. Then, we can tailor our approach accordingly, helping you to find suitable products for the property that you want.
We Work For You
Our professional team of advisers are here to guide you through the mortgage application process and alleviate your concerns – no situation is too complex. We have a wealth of experience in sourcing suitable mortgages for a wide range of individual circumstances.
When it comes to obtaining first-rate mortgage deals and insurance policies, we explore the choice of products from the UK’s leading lending institutions and insurance firms. With a flat rate, no hidden mortgage broker fees, and free no-obligation mortgage advice, we start our process off the right way. Please note though that if you do proceed with our advice and ask us to submit an application, a fee will be payable. Regardless of your individual circumstances, we’re confident that we can help you to find suitable products based on our strong relationships with some of the leading mortgage lenders – we have access to a wide range of products from a list of lenders across the UK.
Whether you’re in need of a first-time buyer mortgage to get on the property ladder, remortgage services, or a moving home mortgage, we can help you with all of this and more. Even if you’re a landlord with a growing property portfolio and would like a buy to let mortgage, we’ll help you to find suitable products on the mortgage market. Keeping your requirements at the forefront, our friendly advisers will combine their industry expertise with updated market knowledge to ensure you always get a suitable deal. With insurance products from reputable brands including home insurance, life insurance, income protection and business insurance – our capabilities truly cover the whole mortgage and insurance market, as does our mortgage advisers experience and expertise.
It doesn’t come more efficiently than that. Moreover, if you’re in a position where you need a mortgage immediately – for example, you’ve found a house or need a remortgage deal – then our advisers can go through the whole process in 1-2 hours.
When you’re coming up for renewal, we’ll actually contact you a few months before your mortgage ends to repeat the process and ensure that you never pay more than you need to. Because we retain customer IDs and key documentation securely in our client portal, the renewal process is usually even quicker the next time around. If it turns out to be cheaper to stay with your current lender, then we’ll tell you, and won’t charge you for our time and effort.
Our process starts with you. Whether you’re looking for a suitable mortgage deal or are in need of a comprehensive insurance policy, we know that we can provide you with the advice, mortgage loan and insurance policy that you need. For mortgage experts that you can trust, operating nationwide as well as serving areas such as Leeds, Huddersfield, Bradford, York and Harrogate – contact Avail Mortgages today.
Why Choose Us?
Here at Avail Mortgages, we do things differently. We make the process as simple, stress-free and straightforward as possible – getting a mortgage should be an exciting time. To make an informed decision, you need to understand the process, be aware of your options and feel 100% confident in your choices. Our amazing team will provide reassurance and advice throughout the entire mortgage process. By placing you at the heart of our quality service and maintaining regular communication, we will deliver the results you need.
Sounds pretty great, doesn’t it? Don’t just take it from us, our fantastic customer reviews and client testimonials demonstrate how efficient and useful our service really is – we’re always keen to go the extra mile for our clients. Our process locates the right mortgage provider in a matter of minutes, and it all starts with our discussion. So, let’s talk and get started.
Book A Call With An Expert Broker
What We Offer
From first time buyer mortgages, remortgages and buy to lets, through to interest only options and right to buys, our brokers can help you with them all. Along with let to buys, equity release mortgages (referral only) and development mortgage products for multi-unit blocks, apartments and plots of land, our brokers can also recommend suitable deals when it comes to debt consolidation and new build properties too. With expert guidance from a team of reputable mortgage brokers, we can advise on the right mortgage, loan terms and rate for you. With a dedication to client care and a team backed by industry accreditations, we’ll ensure your mortgage meets your requirements.
Purchase/Home Mover Mortgages
When moving home, you can either transfer your current mortgage over to your new property – called a porting mortgage – or find a new deal altogether by remortgaging with your existing lender or a different one.
First Time Buyer Mortgages
There’s nothing more exciting than owning your first home. From repayment, interest-only, fixed-rate and variable mortgages, we’ll help you choose the right first time buyer mortage deal for you.
Whether you’re looking to remortgage to reduce your loan-to-value for a better rate, remortgaging for a better interest rate, remortgaging for a more flexible deal or wish to consolidate debt, we’ll have a wealth of remortgaging services to choose from.
Buy To Let Mortgages
Are you a landlord looking to expand your property portfolio? From the mortgage fees and deposit through to the interest rate and taxes including Capital Gains Tax and Income Tax, we’ll help you navigate it all.
Bad/Adverse Credit Mortgages
Have a credit problem? Stuck in arrears? Have defaults, county court judgements (CCJs), debt management plans or have been made bankrupt in the past 6 years? Whatever your personal situation, don’t worry, you could still get a bad credit mortgage to help you get on the property ladder.
Portfolio Landlord Mortgages
Portfolio landlords are mortgage loan borrowers with 4 or more mortgaged Buy to Let rental properties. A single mortgage lender across a property portfolio can simplify finances in many ways, as there’ll only be one monthly payment.
Debt Consolidation Mortgages
A debt consolidation loan turns debt payments (such as those caused by credit cards, store cards, overdrafts and loans) into one payment. Offering lower interest rates and available in two forms: secured and unsecured, we can help you find the right debt consolidation mortgage loan for you. Note - think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it
Help To Buy Mortgages
The Help to Buy mortgage scheme differs slightly all across the UK - there are different terms and criteria depending on the location of the property. Our mortgage brokers can help you to navigate what the scheme means for you, based on your circumstances and location.
Bridging Loans & Short Term Lending
Want to purchase your new home but there’s a gap between the sale and completion dates of your current one? Bridging loans give customers short-term access to money at a high rate of interest.
Aimed at businesses that are looking to purchase a property or to release value from an existing building which could then be invested into the business. We provide clients with referrals to a third party specialist that can help you with this type of mortgage.
Property Development Mortgages
Whether you’re looking to develop a multi-unit block of flats, apartments, turn plots of land into multiple houses or establish the most advanced offices around, we can refer you to a third party specialist that can advise on this type of mortgage.
High Net Worth Mortgages
Should you earn over £300,000 per year or have net assets of at least £3 million (as defined by the Financial Conduct Authority), a high net worth mortgage can provide bespoke rates for clients with more accessible funds.
Ltd Company Buy To Let Mortgages
Want to own property through your limited company? Then, you’ll need a Ltd Company Buy To Let mortgage. Please note though that as mortgage brokers, we are not tax advisors and we would recommend seeking guidance from a tax specialist too.
New Build Mortgages
We understand the appeal of new build properties: the NHBC 10-year certificate for defect protection, and a choice of fittings and finishes, for starters. With a new build mortgage, you can secure your new property, and may also be eligible for the Help To Buy scheme too.
Second Charges/Further Borrowing
A second charge mortgage allows you to use any equity you have in your home as security against another loan. Effectively you have two mortgages on your property. With fair mortgage advice, affordable mortgage lending and provision of mortgage loans, we’ll see you right, and do right by you too.
What People Say
“Thank you so much for all your hard work. We are so happy that this part is finally over, you made it so straightforward for us and stress free!”
I asked Jamie to help sort out a mortgage for my son and his partner as they were looking to move house and upsize.
Jamie had a decision in principle sorted within a day, which allowed them to start looking at houses and making offers. Got one offer accepted, which was one of Luke Gibbert’s houses up for sale!
Took a while to go through but it completed on 14th April and they are now in the house. Matthew then told me he got a nice text informing him of the cash back from the mortgage, which he had forgotten about!
It’s a no brainer for me to refer friends, family and appropriate clients to Jamie, as I know how good and efficient a job he does. No hesitation in referring him in the future.
From the moment Jamie took my call the process was super-fast, efficient and very professional. Within a week Jamie at Avail mortgages had got me a better rate and the relevant work was done on his part to get this sorted. My personal mortgage is now in safe hands and I know that I will be looked after for the foreseeable future.
I would have no concerns in recommending Jamie to friends, family and colleagues when it comes to their mortgage.
I struggled to find a mortgage lender because of my particular circumstances. Broker after broker put the phone down and said that I had no chance especially since all lenders were tightening their purses. Jamie at Avail listened to my requirements and went and found me a lender. I would highly recommend Avail Mortgages to anyone and would be happy to be contacted by anyone who has any questions about my experience. I would give 6 stars if I could.
A Mortgage Story...
Last month a couple visited us on the off chance that we could help with the purchase of their new home. They’d been to see another mortgage broker who had told them that because they were in a debt management plan they needed a 20% deposit. If they didn’t have this deposit, they’d either have to rent for a while, or move once their credit file had healed (6 years).
We sat down with the couple and discussed the possibility of new build houses, as we knew that using the ‘’Help To Buy’’ scheme would mean only a 5% deposit. Moreover, because the government lends them 20% and the lender only needs to lend 75%, they would effectively underwrite the mortgage application as if it was a 25% deposit. Funnily enough, the clients had been considering a new build home, so wished to proceed. Their mortgage application process was smooth sailing, their mortgage was approved, and resulted in the purchase of a beautiful new home. Should they maintain their mortgage repayments, it will positively impact their credit score too. Moreover, the mortgage was £250 per month cheaper than a rental property they were looking at in the same area. Avail Mortgages saved the clients thousands.
Get In Touch
Getting a mortgage loan doesn’t have to be stressful or overwhelming. For a stress-free and enjoyable process, please contact Avail Mortgages today. We help clients nationwide and across Leeds and the surrounding areas of York, Bradford, Harrogate and Huddersfield and are always on the lookout for great mortgage deals.