Business Details
36 Years
experience
Your Trusted Mortgage Advisers in Leeds
Your Home Mortgages has been providing expert mortgage and protection advice since 1990. Founded by Ben Needham, our firm combines decades of industry experience with personalized service to help clients navigate complex mortgage markets. Our team of qualified advisers offers tailored solutions for first-time buyers, home movers, remortgagers, and property investors, leveraging access to over 65 lenders.We prioritise client education, transparent communication, and long-term financial security, ensuring clients understand all aspects of their mortgage journey. With offices in Leeds and Suffolk, we serve clients nationwide through face-to-face, video, and telephone consultations, maintaining a commitment to professional excellence and client-centric service.
Services
First Time Buyers
Remortgage
Buy to Let
Holiday Lets
Mortgage Protection
Details
- Year established: 1990
Highlights and features
- We offer 30+ years of mortgage advisory experience since 1990
- Access to over 65 lenders including exclusive direct rates
- Personalised mortgage strategies tailored to individual circumstances
- Free initial consultation with no-obligation expert guidance
- Comprehensive support through every stage of the mortgage process
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Expert guidance
Transparent communication
Successful mortgage placements
Personalised service
Knowledgeable team
Services
First Time Buyers
Specialised mortgage solutions for first-time property purchasers. We help clients understand borrowing capacity, deposit requirements, and eligibility criteria while securing competitive rates. Our advisers provide step-by-step guidance from initial consultation to completion, including Agreement in Principle documentation to strengthen property offers.
Remortgage
Expert remortgaging services to help clients secure better rates or release equity. We assess current mortgage terms, market alternatives, and client circumstances to identify optimal refinancing opportunities while minimising disruption during the transition process.
Buy to Let
Tailored financing solutions for property investors. Our buy-to-let mortgages consider rental income potential, portfolio growth strategies, and tax-efficient structures while ensuring compliance with regulatory requirements for residential and holiday rental properties.
Holiday Lets
Specialist mortgages for holiday rental properties requiring 25%+ deposits. We connect clients with lenders offering competitive rates for tourist-located properties while advising on income verification processes and seasonal rental valuation methodologies.
Mortgage Protection
Comprehensive protection packages including life insurance, critical illness cover, and income protection. Our advisers help clients select appropriate coverage levels to safeguard mortgage commitments against unforeseen personal circumstances while ensuring policy terms align with individual needs.
People
Chris Needham
Director: Mortgage & Protection Adviser
Former supply chain professional with 20 years' experience, retrained as a mortgage adviser in 2016. Specialises in Yorkshire property markets while combining practical industry knowledge with client-focused service delivery.
Ben Needham
Director, Mortgage & Protection Adviser
Established the company in 1990 after working with London mortgage brokers. Provides expert advice drawing from extensive experience serving major house builders and private clients across Suffolk and national markets.
Mary Needham
Company Secretary
Former legal professional with conveyancing expertise, supporting mortgage transactions with detailed understanding of property purchase legal processes while managing administrative operations from the Suffolk office.
Sophie Leech
Mortgage & Protection Adviser
Experienced financial services professional with decade-long mortgage advisory background at First Direct, offering expert guidance on residential and investment mortgage solutions from the Leeds office.
Simone Haywood
Mortgage & Protection Adviser
Lincoln office founder specialising in first-time buyer assistance. Combines mortgage expertise with property investment management experience to deliver tailored solutions for residential and holiday let financing requirements.
Questions
Do you charge for initial mortgage consultations?
No, we offer free initial consultations to discuss your mortgage requirements without any obligation.
Can you help with mortgages outside Yorkshire?
Yes, we provide mortgage advice nationwide through video conferencing and telephone appointments.
What mortgage options exist for holiday lets?
We access specialist lenders offering holiday let mortgages requiring 25%+ deposits, assessing income potential from seasonal rentals.
How do buy-to-let mortgages differ from standard mortgages?
Buy-to-let mortgages consider rental income potential, require larger deposits, and have different tax treatments compared to residential mortgages.
What protection products should mortgage holders consider?
We recommend life insurance, critical illness cover, and income protection to safeguard mortgage commitments against unforeseen circumstances.
When should first-time buyers seek mortgage advice?
We advise consulting us 3-6 months before property searches to understand borrowing capacity and prepare for the purchasing process.
Reviews (4)
Emma Kitchen
Nov 25, 2021
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We cannot recommend Neil enough for the help and support hes given us during our latest home purchase. Totally professional throughout, very responsive and knowledgeable. A great service from a great company.
Amy Medlycott
Aug 01, 2021
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Neil took the pain and stress away from trying to find the right mortgage, completing lengthy applications and getting a decision through, and helped us sort a new life insurance policy too. He was quick to respond to questions, kept us updated on progress and gave us a few nudges when needed to keep the mortage application process moving. His service continued after the move and helped us chase an early repayment charge refund. Will definitely use again in the future and could not recommend them highly enough.
Domenico Valentino
Dec 30, 2019
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Neil has been absolutely amazing looking after us from day 1. Any question we had he was there to help us even not related to the mortgage he gave the right advice. Brilliant service.
Wayne Price
Dec 11, 2018
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Thanks to Neil my family and I now have our dream home... Amaxing service throughout, with support and easy to understand explanations of the jargon... I work unsociable long hours and Neil was there to make some of the calls/emails to solicitors, estate agents and lenders for me, seriously 5 star service, we highly recommend...
