York Moneyman Mortgage Brokers

Business Details

17 Years

experience

Your Trusted Mortgage Broker in York

York Moneyman Mortgage Brokers is a trusted mortgage advisory service based in York, dedicated to simplifying the home buying and remortgaging process. Established in 2009, we prioritise clear advice and exceptional customer service, offering tailored mortgage solutions that align with individual circumstances. Our team of experienced advisors works closely with clients to access thousands of competitive mortgage deals across multiple lenders, ensuring a smoother journey from initial consultation to completion. We maintain a culture of transparency, efficiency, and professionalism, supported by a dedicated team of advisors, apprentices, and administrators.

Our 24/7 mortgage monitor tool provides real-time property value tracking, while our free initial appointments and rapid agreement-in-principle services (available within 24 hours) empower clients to act swiftly in the property market. Regulated by the Financial Conduct Authority, we combine industry expertise with a commitment to ethical practices, serving first-time buyers, self-employed individuals, and those with complex financial situations. Our focus remains on delivering stress-free experiences, evidenced by our 4.96-star rating from 212 reviews, and our dedication to staying at the forefront of market changes to benefit clients.

Services

First Time Buyer Mortgages Remortgage Advice Buy to Let Mortgages Self Employed Mortgages Equity Release Help to Buy Schemes Mortgage Calculators Credit Report Assistance

Details

Year established: 2009

Highlights and features

We offer 14 years of specialist mortgage advisory experience since 2009
Our team accesses 1000s of mortgage deals across multiple lenders
We provide 24/7 mortgage monitoring tools for real-time property value tracking
Our advisors arrange agreements in principle within 24 hours
We specialise in complex cases including self-employed applicants and adverse credit

Associations and certifications

Financial Conduct Authority

What people say

Brilliant service Efficient and friendly Smooth process Expert knowledge Highly recommend

Website

Update Listing

Services

First Time Buyer Mortgages

Specialist mortgage solutions for first-time property purchasers. We help navigate government schemes like Help to Buy and Right to Buy while offering competitive rates. Our advisors explain different mortgage types and help calculate borrowing capacity using our mortgage calculators. We support clients through the entire process from agreement in principle to completion.

Remortgage Advice

Expert guidance for homeowners seeking better mortgage terms. We analyse current deals, equity positions, and market options to secure improved rates. Services include remortgaging for home improvements, debt consolidation, or releasing equity. Our 24/7 mortgage monitor tool helps track when better deals become available.

Buy to Let Mortgages

Tailored financing solutions for property investors. We access specialist buy-to-let products with competitive rental coverage ratios. Our advisors explain tax implications, limited company mortgages, and portfolio management strategies. We support both new investors and experienced landlords expanding their property portfolios.

Self Employed Mortgages

Mortgage products specifically assessed for self-employed individuals. We work with lenders who understand non-traditional income structures, accepting SA302 forms and business accounts. Our advisors help demonstrate affordability using various income calculations including dividends, retained profits, and director's loans.

Equity Release

Specialist mortgage options for homeowners aged 55+. We offer lifetime mortgages and home reversion plans with FCA-regulated providers. Our advisors explain interest rates, inheritance implications, and government-approved schemes. We help clients release tax-free cash while maintaining residency rights in their properties.

Questions

What mortgage options exist for self-employed individuals in York?

Self-employed applicants can access standard mortgage products by providing business accounts or SA302 forms. We work with lenders who understand non-traditional income structures and can demonstrate affordability through various financial metrics.

How quickly can I obtain a mortgage agreement in principle?

We can arrange mortgage agreements in principle within 24 hours of your initial appointment, helping strengthen your position when making property offers in competitive markets.

Can I get a mortgage with past credit issues?

Yes, we work with specialist lenders who consider applicants with adverse credit histories. Larger deposits and specific affordability criteria typically apply, with our advisors guiding you through suitable options.

What deposit amount is required for York property purchases?

Minimum 5% deposits apply for standard mortgages, though larger deposits improve rates and eligibility. Gifted deposits from family members and government schemes like Help to Buy can supplement savings.

How does your mortgage monitoring service work?

Our free 24/7 mortgage monitor tracks property values and market rates, alerting you when better mortgage deals become available based on your current equity position and repayment history.

What distinguishes using a mortgage broker from direct bank applications?

Brokers access 1000s of mortgage products across multiple lenders, including exclusive deals unavailable through direct applications. This broader selection increases chances of finding optimal rates and terms for your specific circumstances.

Reviews (6)

Write a Review

Emily Peart

Jun 26, 2021 Report

As first time buyers we weren't sure of the process of applying for a mortgage and thought it best to seek professional advice, Yorkmoneyman were worth their weight in gold! We were assigned Chris Thompson as our mortgage advisor and he was great from the offset, very knowledgeable and able to answer all of our questions. Once our application was sent to the lender we then were handed over to the capable hands of Kerry Bewell who was also fantastic, always kept us updated with everything that was going on in the background.
Fantastic service all round and I wouldn't hesitate to recommend, thanks

Hannah Carnegy

Mar 31, 2021 Report

Positive:Professionalism,Responsiveness
I had a very good experience with UK Moneyman Ltd. As a first time buyer who had recently returned to the UK from some years abroad, they helped me to secure a mortgage offer when my options were limited. The communication from Jason and Laura was great throughout, making the whole process efficient and easy to navigate.

Alice Berry

Mar 19, 2021 Report

The first initial call went great but unfortunately after that many mistakes were made during the course of our application. However since raising our concerns all our issues have been thoroughly investigated and improved upon.
Laura was very responsive and easy to work with when she took over our account, which was the highlight of the mortgage process.

Daisy Dyrdal

Feb 28, 2021 Report

Could not be happier with the service Ive received from Malcolm and his team at York moneyman. Being a first time buyer can be quite daunting but they have helped me every step of the way and given a very personal level of service which I cant thank them enough for. What would normally be a very stressful process has been made as easy as can be. The team are friendly, responsive and extremely helpful, I would highly recommend this company to anyone but especially first time buyers.

Danielle Jones

Oct 21, 2020 Report

Leo Shakespeare supported us throughout the process. As first time buyers we needed advice on all aspects of mortgages. Leo gave advice which was simple and easy to understand. He was fast and responding to questions via text and made phone consultations to explain in more depth. During Covid we had a lot of issues trying to find a mortgage lender that would lend 10%, Leo was fast and efficient in finding us lenders that were affordable. Even when the deals ended he was honest and efficient in finding us another.
Daniel Beardsmore Then took over the mortgage process and kept us up to date via

Vino Duraipandian

Jul 17, 2020 Report

Positive:Professionalism,Quality,Responsiveness,Value
Great experience in getting me the mortgages that i wanted. Both buy to let and residential. Really happy with their service. Special thanks to Matt and Laura