Our Mortgage Lending Process
With access to exclusive mortgage products and insurance policies from the UK’s leading mortgage lenders and insurance firms, our specialist mortgage brokers can help you find the right mortgage and insurance quote for you. With no hidden mortgage broker fees and free no-obligation mortgage advice, we start our mortgage lending process off the right way.
Whether you’re in need of a first time buyer mortgage, remortgage services, moving home mortgage, or are a landlord and would like a buy to let mortgage, we can help you with all of this and more. Interested in the Help to Buy scheme or first time buyer scheme? Think you could benefit from a fixed rate mortgage? Keeping your requirements at the forefront, our mortgage advisers will combine their mortgage industry expertise with updated mortgage market knowledge to ensure you always get the most valuable deal. With insurance products from reputable brands including home insurance, life insurance, income protection and business insurance – our capabilities truly cover the whole mortgage market and insurance market, as does our mortgage adviser’s experience and expertise.
It doesn’t come more efficient than that. Moreover, if you’re in a position where you need a mortgage immediately – for example, you’ve found a house or need to remortgage – then our mortgage 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 mortgage 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 first time buyer mortgage, are looking for remortgage services, would like a moving home mortgage, are a landlord or are in need of a comprehensive insurance policy, we know that we can provide you with the mortgage advice, mortgage loan and insurance policy that you need. For mortgage brokers you can trust, serving areas including Leeds, Huddersfield, Bradford, York and Harrogate, please contact Avail Mortgages today.
Why Choose Avail Mortgages Brokers?
With over 35 years of combined experience in our team of mortgage advisers, here at Avail Mortgages, we do things differently. We make the process of getting a mortgage or insurance policy as simple, stress-free and straightforward as possible. We know that when it comes down to it, you don’t need the free gimmicks or want to sit in a stuffy office for hours on end. To make an informed decision, you’d like to understand the process, and want a hassle-free service that doesn’t cost you the world. You’d like reassurance that your mortgage broker or insurance broker has the expertise and experience to be open, honest and transparent with you, and will provide you with an array of suitable mortgage recommendations or insurance quotes that will truly meet your mortgage needs. And lastly, you’d like a mortgage broker or insurance broker who is flexible, can work around your schedule, and uses technology to not only improve their operations, but to do just that.
Sounds pretty great, doesn’t it? At Avail Mortgages, our mortgage brokers are all of these things and more – highlighted by our fantastic reviews and client testimonials. Our process could provide you with a mortgage or insurance policy in a matter of minutes, and it all starts with our discussion. So, let’s talk and get this process started.
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The Mortgages We Offer
From first time buyer mortgages, remortgages and buy to let mortgages through to interest only mortgages, lifetime mortgages and right to buy mortgages, here at Avail Mortgages, our mortgage brokers can help you with them all. Along with let to buy mortgages, equity release mortgages and development mortgages for multi-unit blocks, apartments and plots of land, our mortgage brokers can also recommend the most 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, mortgage terms and mortgage rate for you. With dedication to client care and backed by mortgage 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 mortgages and interest only mortgages through to fixed rate mortgages and variable rate mortgages, we’ll help you choose the right first time buyer mortgage 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 can 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 they’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.
Help To Buy
The Help to Buy mortgage scheme means first time buyers and home movers that also qualify for the scheme only need to put down 5% of a home’s value for a deposit. The government will provide 20% (up to 40% in London), and a mortgage lender – 75%. The government loan means you borrow less from the mortgage provider, giving you a wider range of mortgage rates to choose from because your loan-to-value ratio is lower.
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 offer both fixed rate commercial mortgages and variable rate commercial mortgages.
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, our development mortgages comprise great mortgage loans, finance rates and mortgage terms.
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. We work alongside tax professionals to ensure that this is a tax-efficient endeavour.
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
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. Not only did he find me a lender he found me a lender that was also willing to lend 100% LTV. 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 .
Jamie made things so simple and easy! What was a daunting task especially in the current climate, it was a doddle. He even humoured my 7 year old daughter which made her feel fab! Great service! Thank you. Will continue to use Jamie as my Mortgage Broker going forward and won’t hesitate to recommend him to friends and family!
Very efficient service, would definitely recommend and use again.
Really friendly, engaging and considerate. Made me instantly feel at ease and are really helpful and informative.
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 boost 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 a palava. For a stress-free process to mortgages including first time buyer mortgages, buy to let mortgages and equity release mortgages please contact Avail Mortgages today. We help clients across Leeds and the surrounding areas of York, Bradford, Harrogate and Huddersfield and are always on the lookout for the great mortgage deals.