Mortgage Broker Wakefield

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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Wakefield

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Wakefield Tip 1
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Mortgage Broker Tip 1

Mortgage Broker Tip 2

Don't use unauthorised overdraft facilities

If you've set up an authorised overdraft facility with a bank, don't exceed your limit. Fees and interest charged on unauthorised overdrafts are generally extortionate and can damage your credit rating.

You should either restrict your outgoings to keep within your limit or, if you have to, find a cheaper source of finance, such as a loan.

Family Offset Mortgage

These mortgages, which are a type of offset mortgage, typically involve family members placing their savings into an account linked the mortgagor's mortgage, and their savings interest is deducted from the mortgage interest, making the mortgage cheaper.

The lender often requires that the savings are 'locked in' for some considerable time (can be many years) until, for example, 75% of the mortgage is paid off. During this time, the family members cannot use the savings interest as income at all – it is tied in to being deducted from the mortgage.


Wakefield is a city in West Yorkshire, around 185 miles north north-west of London. Prominent landmarks and attractions there include Wakefield Cathedral, the tallest spire in Yorkshire, the Crown Court, St John’s North and South Parade, dating from the Georgian period and Lawe Hill in Clarence Park.

Property Price Stats for Wakefield


Average property price in Wakefield£167,135
% Change compared to last year4%
Population of Wakefield76,886 (2001)


The property price data is sourced from  the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >>Land Registry
 

Mortgage Broker Wakefield - Recently Completed

  • Barnsley Rd, Wakefield WF2 6EG
  • 98 Stanley Rd, Wakefield WF1 4LR
  • 142 Wrenthorpe Rd, Wrenthorpe, Wakefield WF2 0HR
  • 203 Dewsbury Rd, Wakefield WF2 9BZ
  • 60 Windhill Rd, Wakefield WF1 4SD

Local High Street Banks in Wakefield

Mortgage Broker in and around Wakefield

Our Wakefield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Newmillerdam, Crofton, Normanton, Lofthouse, Dewsbury, St Mary Cray and Batley.

Which banks are local to you?


  • Co-op Bank - 8 Providence St, Wakefield WF1 3BG
  • Lloyds - 17 Westgate, Wakefield WF1 1JZ
  • TSB - 2 / 4 Northgate, Wakefield WF1 1HD

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Wakefield

Mortgage Brokers Wakefield offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Wakefield Mortgage Broker Insider Tips

If your home purchase in Wakefield is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

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