Business Details
31 Years
experience
Expert Mortgage Co Advice in Leeds
Established in 1995, Mortgage Co is a Leeds-based mortgage and protection brokerage with a team of four advisers and two administrative staff. Our team brings over 85 years of combined experience in financial services, specialising in tailored mortgage solutions for first-time buyers, home movers, and buy-to-let investors. We work with a wide range of lenders, including high street and specialist providers, to secure competitive rates and bespoke deals. Our services extend to protection advice, including life insurance, critical illness cover, and income protection. We prioritise transparency, offering upfront pricing with a standard 395 fee due only at completion.Regulated by the Financial Conduct Authority, we combine professionalism with a personal touch, maintaining strong relationships with local estate agents and solicitors to streamline the home-buying process. Our commitment to client satisfaction is reflected in our proactive approach, regular updates, and post-completion support. We serve clients across North and North West Leeds, ensuring accessibility through our online portal and direct communication channels. Our team's dedication to continuous improvement is demonstrated through ongoing professional development and adherence to industry best practices.
Services
First Time Buyer Mortgages
Remortgage Advice
Buy to Let Mortgages
Self-Employed Mortgages
Protection Insurance
New Build Mortgages
Equity Release
Professional Mortgages
Contractor Mortgages
International Mortgages
Details
- Year established: 1995
Highlights and features
- We offer bespoke mortgage solutions tailored to your unique financial circumstances.
- Our team has over 85 years of combined experience in mortgage brokering.
- We provide transparent pricing with no hidden fees or unexpected costs.
- Access to exclusive deals from 95% of UK mortgage lenders.
- We offer ongoing support through our secure online customer portal.
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyer Mortgage Co Cos
We specialise in helping first-time buyers navigate the mortgage process with expert guidance on 5% deposit schemes and government-backed initiatives. Our advisers provide comprehensive comparisons of available rates and terms, ensuring clients understand all financial commitments. With access to exclusive deals, we help secure competitive financing options tailored to individual circumstances and property types.
Remortgage Advice
Our remortgage service identifies cost-saving opportunities when existing deals expire, including equity release and home improvement financing. We analyse current market rates against client circumstances to recommend optimal timing for switching. The process includes detailed comparisons of fees, interest rates, and product features to maximise financial benefits while minimising disruption.
Buy to Let Mortgage Co Cos
We provide specialist advice for property investors seeking buy-to-let financing, including portfolio management and limited company structures. Our expertise covers commercial rates, tax-efficient strategies, and landlord-specific products. We assist with both residential and commercial buy-to-let acquisitions, offering tailored solutions for both new investors and experienced property owners.
Self-Employed Mortgage Co Cos
Our team specialises in mortgages for self-employed individuals, including sole traders and limited company directors. We work with lenders that accept alternative income verification methods and understand complex financial arrangements. Services include document preparation guidance, income assessment strategies, and access to specialist products designed for non-traditional employment situations.
Protection Insurance
We offer comprehensive protection solutions including life insurance, critical illness cover, and income protection policies. Our advisers assess individual needs to recommend appropriate coverage levels and policy types. The service includes explanations of policy terms, benefit triggers, and integration with mortgage commitments to ensure financial security for clients and their dependants.
People
Steven
Mortgage Adviser
Steven combines mortgage expertise with agricultural experience from managing an alpaca farm. His attention to detail benefits clients seeking tailored mortgage solutions, particularly first-time buyers and self-employed applicants. He maintains professional qualifications through ongoing FCA-regulated training.
Questions
What deposit do I need for a first-time buyer mortgage?
First-time buyers can access 5% deposit mortgages through government schemes, though 10-15% typically secures better rates. We help clients navigate deposit requirements and gifted deposit options.
How long does mortgage approval take?
Approval typically takes 2-4 weeks, depending on lender processes and document completeness. Our online portal provides real-time updates, and we prioritise applications with urgent completion dates.
Can self-employed applicants get mortgage approval?
Yes, we specialise in self-employed mortgages requiring SA302 forms or accountant-certified income statements. Lenders typically require 1-3 years of accounts, depending on business structure and income stability.
Do you offer buy-to-let mortgage advice?
Yes, we provide buy-to-let mortgages for both individual properties and portfolios, including limited company structures. Our services cover rental assessment, tax efficiency, and portfolio management strategies.
What protection insurance options are available?
We offer life insurance, critical illness cover, and income protection policies. These can be tailored to mortgage terms, providing financial security for dependants or covering payments during work incapacity.
