Mortgage advisors in Leeds

Not sure on the right mortgage for you?

Let us help you.

If you are looking for a mortgage adviser in Leeds, you want someone who explains your options in plain English, works around your situation, and sticks with you from the first conversation to the day you collect the keys. That is what we do. Feel Good Financial is a Leeds-based mortgage and protection broker, founded in 2012, and we help first-time buyers, home movers, people remortgaging, the self-employed and landlords across Leeds, York, Harrogate, Selby and the wider Yorkshire region.

Buying or remortgaging a home is one of the biggest financial decisions you will make, so it should not feel like a guessing game. If you want straightforward mortgage advice in Leeds, we are here to make it clear, calm and a little less stressful.

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Home-movers

Moving home and need a mortgage? We can help find the right mortgage for you. Find out how much you can borrow and get an Agreement in Principle (AIP).

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First-time buyers

We'll help you get your foot on the property ladder with a mortgage for your first home. Start your journey to being a homeowner with us.

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Commercial Mortgages

Looking to invest in property, for the first time or to build an existing portfolio? We can help you find the right buy-to-let mortgage for you. Find out more…

Couple receiving house keys from real estate agent in kitchen.

Buy-to-let

Looking to invest in property, for the first time or to build an existing portfolio? We can help you find the right buy-to-let mortgage for you.

There is no guarantee of continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage. Note: The FCA does not regulate most Buy to Let Mortgages.

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Remortgaging

You could save money by remortgaging your home - find out by talking to us. We make the remortgaging process simple for you.

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Green Mortgages

Did you know that you can get lower interest rates or cash back on your mortgage the more energy efficient your home is? Well, you can, with green mortgages. Find out more…

Explore your options in an instant with our Mortgage Tools.

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Curious about how much you can borrow? Want to calculate your stamp duty or estimate your monthly payments?

Our free mortgage tools offer everything you need to explore your options and take the first step towards finding the right mortgage.

Try our Mortgage Calculators now

What does a mortgage adviser in Leeds actually do?

A mortgage adviser works for you, not for the lender. We look at your income, your deposit, your monthly outgoings and your plans for the next few years, then search a wide range of lenders and mortgage products to find a deal that suits you. We handle the application, speak to the lender on your behalf, and keep things moving when work and life get in the way.

If you go straight to one bank, you only see that bank's own deals. A mortgage broker in Leeds compares options across many lenders, including some that are only available through advisers. That wider view is the main reason people choose to use a broker rather than apply alone.

Here is a real situation. Say you earn £42,000, you have a 10% deposit saved, and you started a new job four months ago. Apply to the wrong lender, and you might get a flat no, because some want to see longer in a role. An adviser who knows which lenders are comfortable with a recent job change can point you towards one far more likely to say yes. Same person, very different outcome.

We help with mortgages across Leeds and Yorkshire.

Whatever stage you are at, there is a good chance we have helped someone in the same position. These are the areas we focus on.

Getting on the ladder can feel out of reach, especially when you are trying to save while renting. We help you work out what you can realistically afford, get an Agreement in Principle, and understand deposits and schemes, so your first offer is a confident one. The average price paid by a first-time buyer in Leeds was around £213,000 in early 2026 (ONS and HM Land Registry), and we will show you what that means for your deposit and your monthly payments.
Maybe you are expecting a baby, need a garden, or simply want to be settled before Christmas. We line up your new mortgage around the sale of your current home, so the timing works, and the move feels smooth rather than rushed.
If your current deal ends in the next six months, it is worth a conversation now. Remortgaging at the right time could lower your monthly payments or let you borrow a little more for home improvements. We review your options and tell you honestly whether switching makes sense or whether staying put is the better call.
Being self-employed does not stop you from getting a mortgage, but the paperwork is different. Lenders usually want to see two to three years of accounts or tax returns. We know which lenders treat self-employed income fairly, so you are judged on what you really earn.
Whether you are buying your first rental or adding to a portfolio, we help you find a buy-to-let mortgage that stacks up. The FCA does not regulate most buy-to-let mortgages. There is also no guarantee a property will always be let, or that the rent will cover the mortgage, so we help you plan for that too.

How much could you borrow, and what will it cost?

Before you fall for a house, it helps to know the real number a lender is likely to work with, not the hopeful one in your head. As a rough guide, many lenders offer around four to four and a half times your annual income, but your deposit, your monthly commitments and your credit history all play a part.

To put it in local terms, the average house price in Leeds was about £244,000 in March 2026 (ONS and HM Land Registry). Here is what lenders tend to look at when they work out how much you can borrow.

What lenders look at	Why it matters
Your income	Many lenders offer around 4 to 4.5 times your annual income, though this varies by lender and circumstance.
Your deposit	A bigger deposit usually means a lower interest rate and more choice of deals.
Monthly commitments	Loans, credit cards, car finance and childcare all reduce how much you can borrow.
Credit history	Lenders check how you have managed past borrowing before they say yes.
Employment type	Employed, self-employed and contract income are each assessed differently.

Most lenders want a deposit of at least 5% of the property's value, and a deposit of 10% or more usually unlocks lower rates and more choice (MoneyHelper). The deposit is rarely the only cost, though, so it pays to budget for the extras early.

Typical first-time buyer cost	Rough amount
Stamp Duty (SDLT)	£0 for first-time buyers on homes up to £300,000 in England (GOV.UK)
Valuation or survey	From around £250 to £1,000 or more, depending on the level of survey
Conveyancing (legal fees)	Around £800 to £1,800, including searches and disbursements
Mortgage advice fee	A typical fee of £695 for a purchase (see the fees note below)
Removals	Around £300 to £600 for a local move

Costs are typical examples and will vary. Always check current figures for your own purchase.

One piece of good news for first-time buyers: in England, you currently pay no Stamp Duty on a home costing up to £300,000, and a reduced rate up to £500,000 (GOV.UK). Since the average first-time buyer in Leeds pays well under £300,000, many will pay no Stamp Duty at all.

Fixed rate or tracker, which one suits you?

Once you know roughly what you can borrow, the next question is usually the type of deal. The two most common are fixed-rate and tracker mortgages. As of June 2026, the Bank of England base rate is 3.75% (Bank of England), and it has a direct effect on tracker deals and on how lenders price their fixed rates.

	Fixed rate	Tracker
How the rate behaves	Stays the same for the fixed period.	Moves with the Bank of England base rate.
Monthly payments	Predictable and easy to budget.	Can rise or fall.
Best if you want	Certainty and peace of mind.	The chance to benefit if rates fall.
Watch out for	Early repayment charges if you leave early.	Payments going up if the base rate rises.

There is no single right answer. If you like knowing exactly what leaves your account each month, a fixed rate gives you that certainty. If you are comfortable with some movement and want the chance to benefit if rates fall, a tracker might suit you better. We talk it through based on your budget and how you feel about risk.

The mortgage process, step by step .

People often worry the process will be complicated. In practice, it follows a fairly predictable path, and we guide you through each stage.

• Initial conversation. We get to know your situation, your goals and your budget. This first chat is free.
• Agreement in Principle. We secure an initial agreement from a lender showing what you could borrow, usually within one to two days.
• Full application. We gather your documents and submit your application to the lender we have recommended.
• Valuation and underwriting. The lender checks the property and your details. From application to a formal offer typically takes two to four weeks.
• Mortgage offer and completion. Once your offer is issued, completion usually follows around four to eight weeks later, depending on solicitors and the chain.

Throughout, we chase updates, explain anything unclear, and help keep communication flowing between you, the lender, the estate agent and the solicitors.

Happy couple celebrating with house keys in kitchen

Couple standing with moving boxes in a sunlit room with brick walls and large windows.

Why choose Feel Good Financial.

We are not the biggest broker in Yorkshire, and that is rather the point. We are building a brand around genuinely helpful advice, not just chasing the next deal.

• Established in 2012, with a team of advisers based on Roundhay Road in Leeds and colleagues across the UK.
• In 2024, we helped arrange around £100 million in mortgage lending for our clients.
• Around 8 in 10 of our customers also put protection in place with us, so their mortgage and family are covered if life takes a turn.
• We are an appointed representative of Mortgage Advice Bureau, one of the UK's largest broker networks, and we are authorised and regulated by the Financial Conduct Authority.
• We offer mortgage monitoring, keeping an eye on your deal and flagging when it is worth a review, rather than leaving you to remember.
• We support you through the whole journey, from working out affordability to handling the back and forth once an offer is agreed.

Ready to talk to a mortgage adviser in Leeds?

Get in touch with our friendly team and take the first step. Call 0800 505 3355 or book a consultation, and we will take it from there.

Let’s get started.

Mortgage FAQs

A bank can only offer you its own products. A mortgage broker compares deals across a wide range of lenders, including some you cannot access directly, and does the legwork for you. For most people, that means more choice and less stress.
Usually at least 5% of the property's value, though 10% or more tends to unlock better rates (MoneyHelper). For buy-to-let, deposits are normally higher, often 20% to 25%.
An Agreement in Principle often takes one to two days. From full application to a formal offer is usually two to four weeks, and completion typically follows four to eight weeks after that, depending on solicitors and the chain.
Yes. Most lenders want two to three years of accounts or tax returns, though some will consider one year. We know which lenders are most comfortable with self-employed income, so you are assessed fairly.
Your first conversation is free. There may be a fee for mortgage advice, and the amount depends on your circumstances. The fee is up to 1%, but a typical fee is £695 for a purchase and £300 for a remortgage. We always tell you the exact figure before you commit to anything.