Cartoon woman holding a plant in a pot

Avail Mortgage Brokers

At Avail Mortgages, we have been helping the people of York and the surrounding areas in places such as Rawcliffe, Huntington and Fulford find great mortgage deals and insurance policies since we began in 2018.

Our 35 years of combined experience in the insurance and mortgage market makes us ideally placed to help you and other people in York secure your dream home or protect yourself from financial harm. Our years of combined experience has allowed us to acutely understand what it is that a customer wants when they step through our doors. They don’t want flashy salesmen or loud advertising. They want a calm, considered approach, great insurance or mortgage advice and local expertise that ensures they know the lay of the land in York.

We back this approach up with the relevant legislation. For instance, all of our mortgage advisers are fully qualified and work diligently to the principles laid out by the Financial Conduct Authority and the ‘Treating Customer Fairly initiative‘ and, our insurance brokers, as well as being fully qualified themselves, have great relationships with LV, Aviva and AXA which allow them to offer quality advice about some of the separate policies we offer.

So if you’re based in York or the nearby areas of Heslington, Murton or Earswick and are looking for a mortgage or insurance policy and want to work with a friendly, no-nonsense team then we encourage you to get in touch with Avail Mortgages today by phone on 01484 556 245 or email us at [email protected].

 

Our Location

As well as being mortgage brokers and insurance brokers we’re also pretty knowledgeable about the local in which we operate. York is a truly stunning place to visit for the day or a long weekend. For those who enjoy being out in the fresh air then the York Museum Gardens should be on your to-do list, as these large botanical gardens feature Roman ruins and a haunting medieval valley

York has a rich and varied history dating back centuries, so while you’re there be sure to visit some notable historical sights such as Clifford’s Tower, Fairfax House, York Castle Museum or The York Dungeon. One of the other main attractions in York is the National Railway Museum, featuring steam locomotives and more modern trains. It really is a train enthusiast’s dream day out. Or if you’re after something a little more low key, simply take a stroll down Davygate high street, Coney Street or Low Petergate which are all packed with shops ranging from high street giants like Next, JD Sports and Oliver Bonas to more independent, local shops such as The Shop That Must Not Be Named and The Imaginarium.

Whether you’re visiting York before or after your appointment at Avail Mortgages, you can look forward to enjoying your day knowing your ideal mortgage application or insurance policy will be yours very soon.

York Landscape
 

Mortgage Services in York

As mortgage brokers, we’re committed to ensuring that the entire mortgage process is hassle-free and straightforward. No matter what mortgage you’re looking to purchase, your mortgage adviser should be clear, honest and work around your needs – this is exactly what you can expect at Avail Mortgages. We also have our very own mortgage calculator and client portal to speed up the entire process. Our mortgage brokers in York offer a range of mortgages that you can pick from such as Adverse Credit Mortgages, Ltd Company Buy To Let Mortgages and Commercial Mortgages. What follows are just some of the most popular ones:

Remortgages

Going through the remortgage process can help you free up equity to pay for things such as tuition fees, or allow you to start a business or invest in property. We know that there are a whole host of reasons why you might be looking to remortgage your property. Whatever the reason, you can be confident that we’ll look at all the variables involved to make sure everything is being done so that you can pick a suitable t remortgage package for you. We’ll show you how to remortgage and answer important questions such as, ‘How does remortgaging work?’ and ‘When can I remortgage?’.

Purchase/Home Mover Mortgage

We never forget that moment where we find that dream home – it’s magical. If you’re already on the property ladder but are looking to move then a Moving Home Mortgage or Porting Mortgage, as it is often called, is for you. We’ll help guide you through this with our fantastic mortgage advice service. Whether you’re looking to transfer your current mortgage or find a new mortgage for a new home, we can help you. We’re experts in this field so if you’re looking at porting your mortgage be sure to reach out.

Help To Buy Mortgages

Getting on the property ladder is made much, much easier with the Help To Buy scheme. Aimed at primarily young people in York and across England looking to get on the property ladder, this scheme involves the future homeowner putting down a 5% deposit, with the government providing 20% and the lender offering up the remaining 75%. We have a deep knowledge of the Help To Buy scheme and have helped plenty of young people in York secure their dream first home with the best Help To Buy Mortgages.

New Build Mortgages

A new build property is extremely popular among people in York, with the freedom to choose fixtures and fittings, as well as the 10-Year NHBC warranty that covers defects, being just two reasons New Build Mortgages are favoured. Along with Help To Buy, this type of mortgage is a great way to get yourself on the property ladder. You’re bound to have questions about New Build Mortgages, but have no fear, our mortgage advisors will be on hand to answer queries and allay concerns so you’re able to make an informed choice.

First Time Buyer Mortgages

The freedom of owning your first home is unmatched. That feeling of being able to decorate how you want it and enjoy the freedom of living in something that is yours is just unbeatable. We understand people’s desire to get their hands on the keys to their new first property which is why our First Time Buyer Mortgages are uncomplicated, easy-to-understand and tailor-made for you. We’ll offer all the First Time Buyer Mortgage advice and any further information you need so that you feel comfortable making informed decisions about the agreed monthly payments before signing on the dotted line.

Other Mortgages We Offer

As a mortgage provider, we also offer more specific products such as Portfolio Landlord Mortgages, Debt Consolidation Mortgages and High Net Worth Mortgages right the way through to Buy To Let Mortgages and Property Development Mortgages.

 

Insurance Policies in York

As well as being a mortgage provider, we also offer an incredibly broad range of insurance policies that will cover you for a range of eventualities, both planned and unplanned. The insurance cover we provide will give you peace of mind and let you focus on the things that matter. What follows are some of our most popular existing policies:

Life Insurance

Looking after your family and loved ones are up there with your most important priorities, which is why you should take out Life Insurance. The appropriate Life Insurance policy can ensure that your loved ones are protected from a precarious financial situation, in the form of a lump sum, after your death. We’ll ensure you’re armed with all the knowledge and further information to make an informed choice about the separate policies that are right for you.

Landlord Insurance

As a landlord in York, you have a responsibility to yourself to ensure your properties are kept in good condition and protected against damage, theft or burglary. These properties are big investments and, in some cases, are there to provide a future nest egg for your family. Landlord Insurance cover from Avail Mortgages will give you peace of mind and allow you to grow your property empire in York and beyond knowing there is protection in place should something happen that wasn’t your fault.

Income Protection Insurance

For most people, their income is the reason they can pay bills, buy food for their children and keep a roof over their head. It makes sense then, to consider Income Protection Insurance as something you need should the worst happen and you lose your job. Paid as a lump-sum, Income Protection Insurance ensures you can maintain a good standard of living for you and your loved ones. Our insurance brokers work to the highest standards and will be on hand to answer questions such as, ‘What is Income Protection Insurance?’ and ‘What types of Income Protection Insurance are there?’.

Tenants Contents Insurance

As a tenant, you get to enjoy many freedoms, such as the security of tenure and fewer financial responsibilities. While the property you’re staying in isn’t technically ‘owned’ by you it is no less your property for the time that you occupy it. This is reason enough to obtain Tenants Contents Insurance, because if a natural disaster occurs such as a storm, flood or fire, or you’re burgled, your valuable possessions could be destroyed or go missing. We’ll ensure that the Tenants Contents Insurance policies we offer you have real value and protect the things you love.

Business Loan Insurance

As a business owner, your business is very often your livelihood. To kickstart your business, you’ll have likely taken out a business loan which needs to be paid back over time. However, life isn’t always predictable, which is why you should think about a Business Loan Insurance policy in case you’re unable to pay back a business loan for whatever reason be it a critical illness to yourself or the death of a colleague.

Other Insurance Policies That We Offer

These popular insurance policies are just some of the many that we offer here at Avail Mortgages. Other policies that we offer include Critical Illness Insurance, Shareholder Protection Insurance, Private Medical Insurance and Keyperson Insurance.

 

Why Choose Avail Mortgages?

Every person who walks into our office from York is given a bespoke, no-hassle service. We recognise that people’s lives are busy enough as they are and the need for this type of service to be quick and easy is paramount. We endeavour to make sure that clients do not have to deal with unnecessary paperwork, view documents that aren’t relevant or be in meetings that they could avoid. We work to the highest standards and are proud to have helped plenty of people in York with their mortgages and insurance policies.

Other Great Reasons To Choose Avail Mortgages

  • Help And Advice When It Suits You – We’ll be on hand to help you whenever you need it. Procedures such as these are often sensitive and we recognise the need to complete documents and review paperwork at a time that is right for you. Our team will happily work around your life to ensure you always feel in control.
  • A Range Of Appropriate Policies And Solutions – From mortgage packages to insurance policies we have a selection of products that could be suitable for you.

The Latest Technology – Our client portal means documents can be uploaded, read and downloaded at a time that suits you. This speeds up the process and allows you to review things at more convenient times.

Cartoon drawing of a house
 

Based in York? Get In Touch With Avail Mortgages Today

If you’re based in York or the surrounding areas of Nether Poppleton, Copmanthorpe or Clifton and are looking a mortgage for your new or existing home, or you’re on the hunt for an insurance policy to protect you, then be sure to get in touch with Avail Mortgages today by phone on 01484 556 245 or email us at [email protected].