Mortgage Brokers Wakefield, Mortgage Bad Credit Halifax, Fixed Rate Mortgage Sheffield, Mortgage Assistance York (2024)

About Us

Find out about our company and how we can help you find the perfect mortgage / insurance deal for your individual situation.

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Our Mission Statement

There are too many potential home buyers within the UK that really struggle trying to find the right finance to become homeowners, buying a home and sorting a mortgage can be disheartening, frustrating and confusing.
Independent Mortgage Brokers are here to solve that. We give people the tools, knowledge and expert support they need to help them secure the finance they need to realise their dream of home ownership.It may well be possible to apply for a mortgage directly with your own bank or building society. You may be brave enough to starting looking at mortgages on your own. There are many things to be on the lookout for, this is why it may be wise to use an independent mortgage broker.

We’re here to cut through the jargon and help you understand the world of mortgages & finance. We will share our knowledge, expertise and insights into the mortgage industry with you, offering our expert advice. We will also offer a free mortgage online consultation to every potential client who approaches us with their mortgage situation.

Independent Mortgage Brokers based in Halifax are a fast, efficient and friendly mortgage brokerage, we have an excellent reputation for providing quality independent mortgage advice. We are flexible at providing this advice and are available 7 days a week! We cater for many mortgage scenarios, including first time buyers, shared ownership, shared equity (help to Buy), remortgaging, right to buy, right to acquire home movers, buy-to-let, limited company buy to let buying with an SPV, bad credit mortgages, commercial finance. We also provide advice on specific insurance products like, mortgage protection, life insurance, critical illness, income protection, accident – sickness – Unemployment, we also cater for our self-employed clients and provide products like business protection, shareholder protection, relevant life.

Most independent mortgage brokers will find the most suitable mortgage deal for you, although some brokers may only have limited access to the market they may only search through a specified number of lenders or indeed be a tied agent to one lender or a group of lenders. Here at Independent Mortgage Brokers, we have access to over 12,000 mortgage products offered by over 90 different lenders and institutions, ensuring no stone left unturned. There are however occasions where a lender will only offer deals directly to the consumer so these deals would not be available to brokers at all, don’t worry we will let you who these are if they are applicable to your circ*mstances.

We will then assess your needs, circ*mstances and eligibility before we submit the application on your behalf, taking the stress out of the process. Saving you valuable time & effort. Let us do the hard work for you. Independent mortgage brokers often have access to more deals than you’ll be able to find on your own, giving you a better chance of securing a competitive rate. These are called Intermediary only products.

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Some of our Awesome Testimonials

Mortgage Brokers Wakefield, Mortgage Bad Credit Halifax, Fixed Rate Mortgage Sheffield, Mortgage Assistance York (1)

Amazing from start to finish! What was such a daunting topic at the start of this journey , has now turned into one of the most pain free experiences of my life so far! Sarah has taken us through every step of buying a house and helped us the whole time, no question too silly! Couldn’t recommend them enough! Thank you again! Kelly & Martin

Cameron

Very good company. Trustworthy, professional and courteous. First time buyer so have limited experience with mortgages but this company have made it a breeze. Great rate and great advice in regards to length of fixed rate. Nothing has been too much bother for them. I never thought I'd be able to get a mortgage but this company has made that dream become a reality. Would highly reccomend.

Philip Shelton

Highly recommend IMB, Sarah was really helpful, thorough & infomatative throughout my mortgage journey. She made everything easy to understand & found me a great deal making my experience of buying my first home straight forward. Always gave regular updates & answered any questions I had really quickly. Seamless experience, thank you Sarah. Cannot recommend enough 5 ⭐

Debbie Bonnington

Lee Maynard handled my mortgage brokering at IMB in such an expedient and professional manner. Within a few days he had found me and my wife the best deal on the market yet well tailored to our housing needs. The rate was amazing and it came with awesome perks and offers. I would definitely be recommending him - you can be sure of a friendly, hassle-free, unbeatable customer experience.

Seun Ajao

IMB - particularly Sarah was recommended through my parents friend. I am a first time buyer so not sure how it all works and my parents haven’t purchased a house in 25 years so the process had all changed. Nonetheless, Sarah has walked us through the process from start to finish. Even when I’ve asked silly questions (due to my lack of knowledge), Sarah has always answered them as politely as possible and dealt with my worried parents with ease too! I would definitely recommend, she has made the process very simple for me.

Nicola Dale

Myself and my partner used IMB to obtain out first mortgage with a shared ownership scheme. My credit wasn't amazing but Lee managed to get us a decent rate with a high street bank, he helped us in every way he could and even when the first flat fell through due to the terrible housing association he was straight on it with the next one and even found us a better deal. He always answered my email straight away even when there was no need and always kept me in the loop with what's going on.

Natasha Jones

My sincere thanks to you Lee. Thank you for pulling everything together despite the shortest notice. To be honest, when we started this, I wasn't sure we could pull this off but Lee certainly did and did it well. I found him very affable, good-natured but yet professional....Brilliant job. I would recommend Lee any day, anytime and anywhere.

Rosemary

Lee is fantastic and excellent, friendly yet very professional. He is a goal getter who gets the best for his client. thank you for pulling it off for us, to be fair when it started, I wasn't sure. thank you for your commitment.

Abiola Adebyo

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Mortgage Brokers Wakefield, Mortgage Bad Credit Halifax, Fixed Rate Mortgage Sheffield, Mortgage Assistance York (2024)

FAQs

Are Halifax strict mortgage lenders? ›

How strict are Halifax as a mortgage lender? All high street mortgage lenders are strict in the sense that they're likely to reject an application that falls outside of their lending criteria. That said, Halifax is known to cater for first-time buyers, low-income customers and even people with certain credit issues.

What is the age limit for Halifax mortgage? ›

The mortgage term must finish before a maximum age of 70 years rather than 80 years for repayment mortgages.

Can mortgage brokers do credit checks? ›

A mortgage broker will check most of the same things as the lender will when you apply for your home loan. The broker wants to make sure that they can find a home loan option suitable for your financial situation. They might run a soft credit check on you.

Do Halifax ask for bank statements for mortgage? ›

You will usually need to provide one letter and one photographic proof of identity. Proof of income. This will usually be a bank statement or payslip from your employer. If you are self-employed, you may have to provide more evidence.

What credit score do Halifax use? ›

The credit reference agencies used by Halifax include TransUnion, Experian and Equifax. In addition, lenders and other service providers do their own scoring when you apply for credit, looking at information from your credit record, as well as other factors like affordability and any past account history.

What is the Halifax mortgage scandal? ›

Tens of thousands of Halifax mortgage customers are to be given a redress payment of £20 after the bank uncovered an error in the way interest has been charged that dates back eight years, MoneySavingExpert.com can reveal.

Can a 60 year old get a 30 year mortgage? ›

And if you're looking to buy a house, you might wonder if you can still land a 30-year mortgage when your age is north of 60. The short answer: absolutely! Luckily, whether you're 25 or 70, lenders look only at certain numbers when reviewing a mortgage application.

Can a 53 year old get a 30 year mortgage? ›

Age doesn't matter. Counterintuitive as it may sound, your loan application for a mortgage to be repaid over 30 years looks the same to lenders whether you are 90 years old or 40.

Can a 57 year old get a 30 year mortgage? ›

Can a 70-Year-Old Get a 30-Year Mortgage? Yes. There is no age limit to a mortgage application.

What not to say to a mortgage broker? ›

10 Things Not To Say To Your Mortgage Broker | Loan Approval
  • 1) Anything untruthful.
  • 2) What's the most I can borrow?
  • 3) I forgot to pay that bill again.
  • 4) Check out my new credit cards.
  • 5) Which credit card ISN'T maxed out?
  • 6) Changing jobs annually is my specialty.
Mar 10, 2023

What credit score do mortgage brokers use? ›

The credit score used in mortgage applications

While the FICO® 8 model is the most widely used scoring model for general lending decisions, banks use the following FICO scores when you apply for a mortgage: FICO® Score 2 (Experian) FICO® Score 5 (Equifax) FICO® Score 4 (TransUnion)

What credit score do brokers use? ›

FICO® Scores have been used since 1989 to simplify the mortgage application process by giving lenders an easy way to judge borrowers' creditworthiness. According to the Fair Isaac Corporation, over 90% of lenders use FICO® Scores to make lending decisions.

How long does Halifax take to approve a mortgage? ›

How long does a mortgage application take? The length of the mortgage application process can take anything from one to six weeks. How long it takes depends on whether there are any hold-ups while you're applying. For example, the process of applying for a mortgage should only take a couple of hours.

What can stop you from getting a mortgage? ›

Common reasons for a declined mortgage application and what to do
  • Poor credit history. ...
  • Not registered to vote. ...
  • Too many credit applications. ...
  • Too much debt. ...
  • Payday loans. ...
  • Administration errors. ...
  • Not earning enough. ...
  • Not matching the lender's profile.

Do mortgage lenders monitor your bank account? ›

Your lender may run a check on your bank account more than once. For this reason, it's important that you don't make any drastic changes to your finances at any point during the loan approval process or just after being approved for a loan.

How long does a Halifax mortgage offer take? ›

Your lender will then make you a formal mortgage offer, based on all the information you've given them. The process usually takes between three and six weeks.

How easy is it to remortgage with Halifax? ›

Apply for an Agreement in Principle

It should take no longer than 15 minutes, and it won't impact your credit rating. You can use our online Agreement in Principle even if you want to go on to complete your full mortgage application over the phone or in branch.

Are Halifax loans fixed rate? ›

The term is agreed for you to pay the loan back in fixed monthly amounts, at a fixed rate of interest. At Halifax we offer personal loan repayment terms of between one and seven years.

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