Business Details
31 Years
experience
Expert Mortgage Co Brokers 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 combines over 85 years of financial services experience to deliver tailored mortgage solutions for first-time buyers, home movers, buy-to-let investors, and remortgagers. We work with high street and specialist lenders to secure competitive rates while maintaining transparency through upfront pricing and no hidden fees. Our service extends beyond mortgages, offering protection advice including life insurance, critical illness cover, and income protection. We prioritise client relationships through clear communication, regular application updates, and post-completion support. Our small team maintains strong local connections with estate agents and solicitors to streamline property transactions.We operate under Financial Conduct Authority regulation, ensuring compliance with industry standards. Our fee structure includes a free initial consultation and a standard 395 advice fee payable upon completion. We specialise in first-time buyer mortgages while supporting diverse client needs through personalised service. Our advisors maintain professional qualifications from financial accreditation agencies. We proactively contact clients nearing mortgage deal expiration to prevent overpayment. Our office in Horsforth serves North and North West Leeds, with a focus on making financial advice accessible and stress-free.
Services
First Time Buyer Mortgages
Remortgage Advice
Buy to Let Mortgages
Protection Insurance
Specialist Mortgages
Details
- Year established: 1995
Highlights and features
- We offer over 25 years of combined experience in mortgage brokering
- Our team holds professional qualifications from financial accreditation agencies
- We provide access to exclusive mortgage deals from top-rated lenders
- No hidden fees with transparent pricing structure
- We proactively monitor mortgage deals to prevent overpayment
Associations and certifications
- Financial Conduct Authority
What people say
Personalised service
Competitive rates
Proactive support
Transparent fees
Expert advice
Services
First Time Buyer Mortgage Co Cos
We specialise in helping first-time buyers navigate the mortgage process with tailored solutions. Our advisers access exclusive deals from major lenders while providing clear guidance on deposits, affordability, and government schemes. With dedicated support from application to completion, we simplify homeownership for new buyers.
Remortgage Advice
Our remortgage specialists help clients secure better rates and terms on existing mortgages. We analyse current deals, market options, and individual circumstances to identify savings opportunities. Our service includes assistance with legal formalities and lender negotiations to ensure smooth transitions.
Buy to Let Mortgage Co Cos
We provide tailored buy-to-let mortgage solutions for both individual landlords and limited companies. Our advisers understand property investment requirements, offering guidance on portfolio management, tax efficiency, and regulatory compliance. We connect clients with specialist lenders offering competitive investment rates.
Protection Insurance
Our protection services include life insurance, critical illness cover, and income protection policies. We help clients safeguard against financial risks through tailored insurance solutions that cover mortgage payments and living expenses during unexpected circumstances. Our advisers explain policy terms and benefits clearly.
Specialist Mortgage Co Cos
We arrange specialist mortgages for unique situations including self-employed applicants, contractor mortgages, and non-standard construction properties. Our expertise covers complex cases requiring bespoke financial solutions. We work with lenders offering flexible criteria for unconventional income sources and property types.
People
Steven
Mortgage Adviser
Experienced mortgage adviser with specialist knowledge in first-time buyer schemes and rural property financing. Combines financial expertise with agricultural experience managing an alpaca farm near York.
Questions
What mortgage deposit requirements apply for first-time buyers?
First-time buyers typically need at least 5% deposit, though we help clients access government schemes requiring lower deposits through specialist lenders.
Can self-employed individuals get mortgage approval?
Yes, we specialise in self-employed mortgages requiring tailored income verification. We work with lenders accepting one year's accounts and contractor-specific criteria.
What protection insurance options are available?
We offer life insurance, critical illness cover, and income protection policies to safeguard mortgage payments during unexpected life events like illness or redundancy.
How long does mortgage approval take?
Standard approvals typically take 2-4 weeks, though we expedite applications through direct lender relationships and efficient document processing systems.
Do you offer buy-to-let mortgage solutions?
Yes, we provide buy-to-let mortgages for both individual landlords and limited companies with access to competitive investment rates and portfolio management advice.
What areas do you cover?
Based in Horsforth, we serve Leeds and surrounding areas including Guiseley, Otley, and North West Leeds with local market expertise.
