Smarter financing starts with the best mortgage brokers in Leeds!
It’s so disheartening to watch house prices shoot up as a buyer. The idea of renting forever felt grim, so I knew I had to look at mortgages. But I didn’t want to end up stuck with a loan that didn’t fit my life.
That’s when I turned to a mortgage broker. They helped me cut through the confusion and find something manageable. Now, I’m a proud homeowner, and I couldn’t be more thankful for the guidance I got!
Because I know how stressful the process can be, I’ve put together a list of the best mortgage brokers in Leeds. Hopefully, you can find the right support and make your own home dreams happen.
How much do mortgage brokers in Leeds charge for their services?
Mortgage brokers in Leeds usually charge either around 0.7% of the loan amount or a flat fee of about £450. The exact cost may vary depending on how complex your case is.
1. Leedsmoneyman
Services offered: First-time buyer mortgages, remortgages, buy-to-let, bad credit cases, 95% mortgages, and more
Address: 410 Wincolmlee
Phone number: +44 113 827 2263
Business hours: 8:00 AM – 10:00 PM (MON-SUN)
As a first-time homebuyer, I’m grateful that Leedsmoneyman made the process of securing a mortgage easier for me. I had no idea where to begin with deposits, affordability checks, or lender criteria, but they explained everything clearly to me.
They even showed me how to use my Lifetime ISA properly so I could make the most of the government bonus. In the end, they secured me a 95% mortgage, which meant I only had to put a small amount up front for my new home.
I was also impressed that they signed me up for their Mortgage Monitor tool, which keeps an eye out for better deals and helps you renegotiate later. They’re even willing to help people with bad credit, which makes them accessible to more buyers.
The downsides are that their fee is around 1% and the fact that they only assist UK residents.
Their support throughout our First-Time purchase was world class
“Amazing service from the team at Leedsmoneyman. Was recommended to them by a work colleague a couple of years ago and their support throughout our First-Time purchase was world class. Always willing to answer any question, no matter how trivial. Dinah was a star helping us with the initial stages and mortgage application, and Debbie kept us informed well up to completion.
Would highly recommend for FTBer’s and Experienced buyers alike.”
-Kyle Brook, Google Reviews
They were there from the beginning till the end
“A great experience with Charlie and the team at Leedsmoneyman. I was initially a bit apprehensive and skeptical, but the support I’ve received in getting mortgage information and in eventually getting the best mortgage deal possible, was phenomenal! They were there from the beginning till the end. I’ll surely be going back to them at the time of remortgage.”
-Rajeev Raghunath, Google Reviews
2. First Mortgage
Services offered: First-time buyer mortgages, remortgages, buy-to-let, new build mortgages, contractor mortgages, and more
Address: 9 Park Square E
Phone number: +44 113 418 0313
Business hours:
9:00 AM – 5:30 PM (MON-THURS)
9:00 AM – 5:00 PM (FRI and SAT)
First Mortgage has been around for over 25 years, and they bring plenty of positives that make them worth considering. The biggest selling point is that their advice is completely free, since they’re paid by the lenders for their services.
If that sounds too good to be true, they back it up with a guarantee that if you find a better mortgage elsewhere, they’ll pay you £500. Their Leeds branch also has a Polish-speaking broker, which is a real help for the local community.
I also found it interesting that they can assist with mortgages for new builds, which is a huge plus if you have a specific home design in mind.
Unfortunately, they don’t have access to exclusive products from their lenders, so you won’t find special rates that only they can unlock. They also can’t assist when it comes to second-charge mortgages.
So impressed with the service received
“Fran and Tracy have been an absolute pleasure to work with and have been so helpful from start to finish. No problems at all and reassured me, every step of the way. Recommend 100%. So impressed with the service received.”
-Billie Hall, Google Reviews
Their clear guidance made the entire process stress-free
“I had a great experience working with Josh and Yusuf as my mortgage advisors. They were professional, knowledgeable, and always available to answer questions. They took the time to understand my needs and helped me secure the best terms. Their clear guidance made the entire process stress-free. Highly recommend their services!”
-Dean Holt, Google Reviews
3. Just Mortgages
Services offered: First-time buyer mortgages, remortgages, buy-to-let, bad credit mortgages, equity release, and more
Address: 80 York St
Phone number: +44 113 824 6753
Business hours:
8:30 AM – 6:00 PM (MON-FRI)
9:00 AM – 5:00 PM (SAT)
Founded in 1989, Just Mortgages is one of the most experienced broker firms I’ve come across and a fair choice if you value longstanding expertise. They cover the usual areas, such as first-time buyers, remortgages, and buy-to-let.
What stood out to me is their willingness to advise on pure 100% mortgages, which can help people who don’t have savings for a deposit. They also deal with equity release for seniors who want to unlock cash from their homes without moving out.
I appreciate that they assist with bad credit mortgages, too. Furthermore, they provide advice on protection policies like life insurance and income cover, which can be reassuring if life takes an unexpected turn.
Sadly, they sometimes fail to respond to enquiries. I’ve also heard from others that some brokers came across as rude.
I ended up with a really good rate
“I can not recommend Just Mortgages Leeds enough! They were superb from start to finish. I dealt with Lewis who was very efficient, he was great with explaining all the options and helping me to establish the right product for me. I ended up with a really good rate and would never go anywhere else. First class service from start to finish!”
-Kyle Priestley, Google Reviews
Helped us get the best deals
“We went to Lewis for help with our mortgage and life insurance, he helped us tremendously. Lewis was very knowledgeable and helped us get the best deals. We would highly recommend Lewis to all family & friends.”
-Claire Goddard, Google Reviews
4. My Mortgage Finder
Services offered: First-time buyer mortgages, home mover mortgages, Right to Buy mortgage scheme, shared ownership mortgages, remortgages, and more
Address: Limewood Centre, Limewood Rd, Seacroft
Phone number: +44 113 868 7860
Business hours:
9:00 AM – 8:00 PM (MON-THURS)
9:00 AM – 5:00 PM (FRI and SAT)
10:00 AM – 5:00 PM (SUN)
My Mortgage Finder is one of my top recommendations for people who might struggle with the usual banks. They’re FCA-regulated and part of Golden Triangle Financial Services, so they have strong relationships with many lenders in Leeds.
What’s good about them is that they can help secure mortgages for people with bad credit scores. They’re also familiar with more affordable options, such as shared ownership mortgages, which let you buy part of a home and pay rent on the rest.
If you live in council property, they can guide you through purchasing it at a reduced price, since they understand the Right to Buy mortgage scheme well.
However, because they mainly focus on adverse credit and niche cases, they may not always have access to the most competitive deals for borrowers with good credit. Their fees can also reach up to 2% of the loan, which feels steep.
Very reliable and efficient
“Excellent service from the very start of the mortgage application until completion. Very reliable and efficient.
Greg and Ellie are very professional. I’m grateful and I highly recommend them to anyone for quality and excellent service.”
-Nicholas Z, Google Reviews
They helped me from start to finish
“Cannot recommend this company enough! They helped me from start to finish, the team was so attentive and kind. I was so nervous because my credit was so bad but they did not judge at all and they actually could help me, I was blown away!!!”
-Megan Silkstone, Google Reviews
5. Mortgage Co
Services offered: First-time buyer mortgages, product transfer mortgages, non-standard construction mortgages, expat mortgages, buy-to-let, and more
Address: 46 Park Pl
Phone number: +44 113 258 0208
Business hours:
9:00 AM – 5:30 PM (MON-FRI)
9:00 AM – 4:00 PM (SAT)
If you’re an expat looking to buy a home in Leeds, Mortgage Co is worth a look. They’ve been around since 1995 and are one of the few firms in the city that can help non-UK nationals secure a mortgage.
They’re also knowledgeable when it comes to other unique types of mortgages. One that stood out to me is the non-standard construction mortgage, which allows you to secure funding for homes built with materials outside the usual, such as converted barns.
They also deal with product transfer mortgages, which are similar to remortgages but keep you with the same lender while switching to a new product.
Because these specialised mortgages can be confusing, I’d recommend booking their free no-obligation consultation.
Just note that they don’t have a proper online booking system, and they don’t accept cash payments for any fees that may come up later on.
Made the process feel a lot less stressful than we expected
“Stephen has been brilliant from start to finish. He explained everything clearly, kept us updated the whole way through, and made the process feel a lot less stressful than we expected. Nothing was ever too much trouble and he was always quick to respond to our questions. Couldn’t recommend him enough if you’re looking for a mortgage broker who actually makes things simple.”
-Thomas Hanson, Google Reviews
Helped us secure a great rate
“Steve and Tracey were so helpful throughout the whole home buying process. We are first time buyers and they did a fantastic job of easing us into the process and helping to explain each step that we needed to take.
They also helped us secure a great rate, much better than what we were expecting when just browsing online. And not only that, but they kept in very regular communication with us and were able to negotiate lower interest rates during the buying process.
I would highly recommend them to anyone, whether looking to buy your first house or your fifth!”
-Beth Chaplow, Google Reviews