Helping you Feel Good about your financial future.
We’re here to make mortgage and protection advice simple and stress-free, because your financial journey should Feel Good every step of the way.
If you are looking for a financial adviser in Leeds, you are usually at a turning point. Maybe you are buying your first home, trying to move before the new school year, or wondering whether your current mortgage deal still stacks up. Feel Good Financial has helped people across Leeds and the wider Yorkshire region make confident money decisions since 2012. We give you clear mortgage advice, honest protection advice and a plan that fits your life, not a script.
No jargon. No pressure. Just a straight answer to the question most people are really asking: what is my best next step, and can I afford it?
Let’s make it happen, together.
Mortgages
We will advise you on the most suitable mortgage for you from our extensive panel of lenders.
Protection
We’ll talk about priorities for keeping you, your home, and your family protected from insurable risks.
Commercial Finance
Feel Good Financial Commercial will help you find the right source of funding for your business.
Speak to our advisors today.
Whether you’re looking for a mortgage, protection, or expert financial advice, we’re here to help. Contact us today to speak with our friendly team and take the first step towards financial peace of mind.
Let’s get started.
Mortgage advice in Leeds for every stage
Our mortgage advisers in Leeds work with people at very different points in life, and the advice changes to match.
If you are earning around £35,000 a year, have a small deposit saved and are trying to work out whether you can buy a first home in Leeds, we can show you how much you may be able to borrow, what the monthly repayments could look like, and whether a fixed rate or a tracker is more suitable for you. If you are moving and want to be in before Christmas, we help you line up the timing so the sale and the new mortgage do not fall out of step.
Remortgaging is the other big one right now. The Bank of England base rate has been held at 3.75% since December 2025, with the next review on 18 June 2026, and lenders tend to price changes in before they happen. So if your fixed deal ends in the next six months, it is usually worth reviewing your options early rather than waiting and hoping. We will tell you honestly whether switching now makes sense for you or whether sitting tight is the smarter move.
Self-employed and worried a lender will not take you seriously? That is one of the most common reasons people come to us. We know which lenders look favourably on contractors, company directors and sole traders, and what evidence they actually want to see.
Protecting your family, not just your mortgage
Most people think about the mortgage and stop there. The harder question is what happens to the people who depend on you if you cannot work, or worse. A family in York with two children and one main earner could lose their home if that income stopped, even with a mortgage in place. Protection is what keeps the roof over their heads.
Around 8 in 10 of our mortgage customers also put protection in place, because once you see the numbers, it tends to make sense. Here is what the main types of cover actually do.
| Type of cover | What it helps with | Who often considers it |
|---|---|---|
| Life insurance | Pays out a lump sum if you die during the policy term. Often used to clear the mortgage so your family can stay in the home. | Anyone buying a home, having a baby, or taking on a larger mortgage. |
| Critical illness cover | Pays a lump sum if you are diagnosed with a serious illness covered by the policy, such as certain cancers, a heart attack or a stroke. | Parents, sole earners, and anyone with a mortgage to protect. |
| Income protection | Replaces part of your income if illness or injury stops you working, usually paid monthly until you recover or retire. | Self-employed people and families relying on one income. |
Source for cover definitions: MoneyHelper. The right mix depends on your situation, and we will only ever recommend what you actually need.
Commercial finance for business owners
If you run a business and need finance to grow, buy premises or manage cash flow, our sister service, Feel Good Commercial, works alongside the main team. So whether you are a first-time buyer or a company director arranging commercial lending, you are dealing with people who already know your story.
Financial support through your employer: The Feel Good Hub.
The Feel Good Hub is our platform for employers who want to give their teams real financial support, not just a poster in the break room. Employees get access to mortgage advice, will writing and a range of partner benefits in one place. If your workplace offers it, it is one of the simplest ways to get help with a big money decision without knowing where to start. Employers can talk to us about bringing the Hub to their team.
Why people across Leeds choose Feel Good Financial
- • Established in 2012, with a track record across Leeds, York and the wider Yorkshire region.
- • Around £100 million in mortgage lending was arranged for our clients in 2024.
- • Around 8 in 10 of our mortgage customers also protect their family or income.
- • An appointed representative of Mortgage Advice Bureau (MAB), one of the UK's largest mortgage networks.
- • Mortgage Monitoring: we keep an eye on your deal and flag when it is worth reviewing, so you are not left on an expensive rate by accident.
- • Support through the whole house buying journey, from helping you search to handling the negotiations.
How it works, and what it costs
People worry that asking for advice means being signed up to something. It does not. Here is how working with us usually goes.
- • A free initial conversation, where we get to know your situation and you decide if we are the right fit.
- • A proper look at your income, deposits, spending and plans, so we understand what is realistic.
- • A clear recommendation, with the reasons explained in plain English.
- • We handle the application and liaise with the lender, keeping you updated.
- • Ongoing monitoring, so your deal keeps working for you after completion.
Your first conversation is free. If you decide to go ahead with mortgage advice and arrangement, a fee applies, and we will always tell you exactly what that fee is before you commit to anything. No surprises, no small print you needed a magnifying glass for.
Don’t just take our word for it!
Hear what our clients have to say…
FAQs about financial and mortgage advice in Leeds
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Your first conversation with Feel Good Financial is free. If you go ahead with mortgage advice and arrangement, a fee applies, and we confirm the exact amount before you commit. We explain the cost up front so you can decide with all the information in front of you.
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After a free initial chat, we review your finances, recommend a suitable mortgage, submit the application and work with the lender through to completion. Timescales vary, but many residential mortgages move from application to offer within 2 to 6 weeks, depending on the lender, the property and how quickly documents come back.
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Lenders usually look at your income, your regular spending, your deposit, your credit history and any existing commitments such as loans, car finance or childcare. As a rough guide, many lenders offer around four to four and a half times your annual income, but the real figure depends on your full picture. We can give you a realistic number rather than a hopeful one.
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A mortgage commits you to payments for years, often decades. Protection is simply the plan for what happens if illness, injury or death gets in the way of those payments. You may not need every type of cover, and we will only suggest what genuinely fits your situation and budget.
Important Information:
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Changes in interest rates may affect your monthly repayments. Ensure you understand the terms and risks before proceeding, There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £695 for a purchase application and £300 for a remortgage.