All About Us
Welcome to our Mortgage Broker website, offering Mortgage Advice throughout Harrogate and Surrounding Areas.
Open & Honest Mortgage Advice in Harrogate –
Your Local Mortgage Experts
Hi, I’m Malcolm Davidson and I started out as a Mortgage Broker back in 1997 so it’s fair to say I’ve traded through the peaks and troughs of the UK property market over the years. My team and I work closely with all our clients so that we can recommend the most suitable mortgage for them, tailor-made to their exact requirements.
Each mortgage lender has their own specific set of lending criteria and utilising our knowledge and experience, we pride ourselves on matching our clients to right Lender and product first time to ensure their application runs as smoothly as possible.
We find that many of our clients have already tried to get a mortgage elsewhere before they contact us and have run into problems for one reason or another. Typically this could be because they are self-employed, have something affecting their credit score or simply because their own bank won’t offer them the mortgage they need.
We really love working with home-movers and first-time buyers, guiding them through the process step by step.
Once a new client engages with us we’ll have a chat on the phone in the first instance to take some initial details about their situation before arranging a face to face meeting.
Wherever possible we do like to meet our clients in person, it gives them a chance to put a face to a name and also gives us a better insight into their circumstances and how we can help.
We are able to accommodate weekend and evening appointments were required to fit in with our clients’ lifestyles and in most cases, our clients prefer to meet us in the comfort of their own homes. That’s all part of the service.
As part of our “Know Your Customer” process, we will check all documentation in-house prior to the mortgage application being submitted to the Lender. This rigorous checking of bank statements is designed to flush out any potential hurdles a Lender might take issue with and ensure that a mortgage offer is issued as quickly as possible.
We provide regular updates so our clients know exactly what’s happening with their application. We also like to build ongoing client relationships and provide remortgage advice when an initial deal comes to an end.
Taking out a mortgage is one of the biggest financial commitments you can make so if you’d like to benefit from our experience and advice please feel free to contact us anytime for a free initial consultation.