Woodhall Mortgages

Business Details

10 Years

experience

Trusted Mortgage Brokers in Halifax

Woodhall Mortgages was established in 2016 with a clear mission: to provide clients with the highest standard of mortgage advice and service. Our team of experienced professionals brings decades of combined expertise in the mortgage industry, ensuring clients receive tailored solutions that align with their unique financial circumstances. We operate as a whole-of-market brokerage, meaning we have access to a comprehensive range of lenders and products, including exclusive deals not available through high-street banks. Our approach prioritises transparency, with all fees and commission structures clearly communicated upfront. We pride ourselves on our local knowledge of the Halifax property market and our ability to guide clients through every stage of the mortgage process, from initial consultation to completion. Our advisors are FCA-regulated and hold industry-recognised qualifications such as CeMAP, ensuring our advice meets the highest professional standards.

We maintain strong relationships with local solicitors and estate agents to streamline the home-buying process. Our commitment to exceptional service is reflected in our 5-star Google reviews, with clients consistently praising our responsiveness, expertise, and dedication to finding the best possible mortgage solutions. We specialise in assisting first-time buyers, home movers, landlords, and those with complex financial situations, including adverse credit histories. Our services extend beyond mortgages to include protection insurance products that safeguard clients' financial futures. We offer flexible consultation options, including in-person meetings, remote appointments, and a no-obligation initial discussion to help clients understand their mortgage options.

Services

First Time Buyer Mortgages Remortgage Advice Buy to Let Mortgages Specialist Mortgages Protection Insurance

Details

Year established: 2016

Highlights and features

20 years of combined experience in the mortgage industry
Whole-of-market access to exclusive mortgage deals
FCA-regulated advisors with industry-recognised qualifications
Local expertise in Halifax property market dynamics
Dedicated advisors providing end-to-end mortgage support

Associations and certifications

Financial Conduct Authority (FCA)

What people say

Outstanding service Very helpful Excellent communication Knowledgeable team Stress-free process

Website

Update Listing

Services

First Time Buyer Mortgages

Specialist support for first-time buyers navigating the property market. We explain mortgage options clearly, help access government schemes like Help to Buy, and find competitive deals with low deposit requirements. Our advisors guide clients through the entire process, from affordability assessments to completion, ensuring they understand all aspects of homeownership. We work with lenders offering incentives such as cashback and reduced fees to make first-time purchases more accessible.

Remortgage Advice

Expert guidance for homeowners seeking better mortgage terms. We review existing deals, assess early repayment charges, and identify opportunities to reduce monthly payments or release equity. Our whole-of-market approach ensures clients access the best available rates, including exclusive products not advertised publicly. We handle all paperwork and coordinate with solicitors to ensure smooth transitions, whether clients are seeking lower rates, different terms, or additional borrowing.

Buy to Let Mortgages

Tailored solutions for property investors. We provide access to specialist buy-to-let lenders, help calculate rental affordability, and explain tax implications. Our advisors support both experienced landlords expanding portfolios and first-time investors entering the market. We offer guidance on limited company mortgages, portfolio management, and strategies for maximising rental returns while meeting regulatory requirements.

Specialist Mortgages

Solutions for non-standard mortgage requirements. We assist clients with adverse credit histories, self-employment income verification, overseas earnings, and unique property types. Our advisors have relationships with niche lenders and understand how to present complex cases effectively. We provide clear explanations of eligibility criteria and work to improve clients' mortgage readiness when necessary, ensuring access to appropriate lending options.

Protection Insurance

Comprehensive insurance products to secure financial futures. We offer life insurance, critical illness cover, income protection, and mortgage payment protection tailored to individual circumstances. Our advisors explain policy terms clearly, ensuring clients understand coverage limits and exclusions. We help determine appropriate protection levels to safeguard against income loss or unexpected life events, providing peace of mind alongside mortgage arrangements.

People

Chris Flanagan

Director

With 10 years' experience in mortgage advising, Chris established Woodhall Mortgages to combine his industry expertise with exceptional client service. He specialises in complex cases and maintains oversight of the brokerage's strategic direction while balancing family life with his twin boys.

Luke Flanagan

Mortgage Advisor

As a co-founder and senior advisor, Luke brings six years of financial industry experience. He excels in finding solutions for challenging mortgage scenarios and maintains active involvement in local sports, playing rugby and football regularly.

Joanne Flanagan

Mortgage Advisor

Combining financial expertise with mental health nursing experience, Joanne provides empathetic mortgage guidance. She manages company finances while supporting clients through the home-buying process, balancing work with cross-fit training and family commitments.

Brendan McCarthy

Mortgage Advisor

Qualified since 2004, Brendan offers extensive property market knowledge. He joined Woodhall in 2022 for its customer-centric ethos, specialising in explaining mortgage options clearly while maintaining interests in countryside walks and beer gardens.

Beckie Parkinson

Mortgage Advisor

With seven years in property sales and mortgage advising, Beckie now leads our mortgage academy. She specialises in training new advisors while maintaining hands-on client support, leveraging her deep understanding of the house-buying process.

Questions

What makes Woodhall Mortgages different from high-street banks?

We offer whole-of-market access to exclusive deals unavailable through single lenders, providing impartial advice tailored to individual circumstances rather than promoting specific products.

How do you help first-time buyers?

We explain mortgage options clearly, assist with government schemes, and find competitive deals with low deposit requirements while guiding clients through every step of the home-buying process.

Can you assist with adverse credit mortgages?

Yes, we work with specialist lenders and provide honest assessments of options for clients with missed payments, defaults, or CCJs, explaining steps to improve mortgage readiness.

What protection insurance options do you offer?

We provide life insurance, critical illness cover, income protection, and mortgage payment protection tailored to individual circumstances, explaining policy terms clearly for informed decisions.

How are your mortgage advisors qualified?

All advisors hold industry-recognised CeMAP qualifications and are FCA-regulated, ensuring adherence to strict professional standards and ongoing compliance with industry regulations.

Do you charge fees for mortgage advice?

We typically receive commission from lenders, but disclose any client fees upfront. Our standard mortgage advice fee is £299, with no hidden costs or surprises.

Reviews (7)

Write a Review

Tanzeela Akhtar

Dec 01, 2021 Report

Positive:Professionalism,Responsiveness,Value
Luke has been absolutely fantastic in supporting me as a first time buyer. He was very profession, responded to any queries always promptly. Would definitely recommend and use in the future. Thank you Luke

Eilidh Hogg

Oct 31, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
My partner and I are first time buyers. Luke has been extremely helpful and made the process easier for us and we feel went above and beyond. Would highly recommend Woodhalls service.

Larisa Dolinskaia

Oct 27, 2021 Report

Positive:Professionalism
With them your dream can become true!
Luke did a good job! He helped us to bought our first home. Thank you

Sabino Jbira

Oct 17, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Friendly and helpful, they help me to get my mortgage for a holiday house. Mrs Parkinson helped me a lot explaining most of the paper work, she has been very genuine and professional. I recommend Woohhall Mortgages for the great services they offer. Well done and good luck.

Horatio Clare

Sep 28, 2021 Report

Outstanding service, communication and results from start to finish. Unreservedly recommended, with great thanks

Josh Ingham

Sep 26, 2021 Report

Positive:Professionalism,Responsiveness,Value
We used luke to help us buy our first home, as being first time buyers we were unsure on what to do and luke was there to help and answer all the questions we had and made it very easy. We would definitely recommend.

Beverley Collins

Jul 29, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I would recommend this company without hesitation. Faultless service with quick and friendly responses. Luke is an excellent advisor and went above and beyond to ensure our re-mortgage went through without a hitch. Looking out for our best interests at all times. Thank you.