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Mortgage Broker Halifax - Independent Halifax Mortgage Advisor

Are you in need of Mortgage Advice in Halifax?

We are an independent, family-run business that searches the whole of the mortgage market to bring you the very best mortgage and insurance products to suit your personal needs. Our experienced advisors are here to help you move into your dream home. Friendly, fast and hassle-free, our service is available to all. We search the “whole of the market”, meaning we won’t stop looking until we find the very best deal to suit your circumstances.


There are so many things to consider when finding the right financial product, which is why we prefer to meet face to face to put you at ease and answer all your questions. That is why you need a local mortgage broker in Halifax. We’re not just ‘whole market providers’ – we’re full-service providers; we will be there for you every step of the way until completion and beyond. 

We Are A Mortgage Broker In Halifax - We Cover Halifax And The Surrounding Area.

You might be tempted to go to your own bank as the first port of call, but banks have a vested interest in offering only their own products. For the best possible chance of finding a great deal, it’s been shown time and again that independent advice is the way forward. Woodhall Mortgages are always available for a no-obligation, informal chat to get the ball rolling. We will assign you your own dedicated advisor from start to finish, to be ready at all times to take your calls, answer your questions, and guide you on your journey to homeownership. We pride ourselves on making life easier for you and helping you understand how to navigate what can be a complex, jargon-filled industry. This is the advantage of seeing a local mortgage broker Halifax

Why use a mortgage broker Halifax?

Mortgage brokers are financial advisers who help you get the right home mortgage loan at the best rate and terms for your particular needs and circumstances. Mortgage brokers can help you get the best deal on a mortgage. They work with a variety of lenders and can shop your mortgage application around to find you the best deal and the best rate and terms and conditions.

There are many advantages to using a mortgage broker. A mortgage broker can help you get a better interest rate and can also help you get a pre approval letter quickly. A mortgage broker works with multiple lenders and can get you the best deal on your mortgage. A mortgage broker can also help you get a mortgage even if you have bad credit or if you don’t have enough money for a down payment.

Mortgages for first time buyers in Halifax

Deciding where you want to get your initial residential or commercial property is only the initial action in obtaining the keys to your home. The procedure can appear a little overwhelming if you’re entirely brand-new to the property or business residential or commercial property ladder, but here at Woodhall Mortgages, we can be with you every step of the way. From discovering the best mortgage offers on the marketplace to liaising with estate agents and solicitors in your location. Our advisors see to it that the whole process runs as efficiently as possible.

Moving Home Mortgages in Halifax

When you have in fact been through the procedure of purchasing a home before, it’s still worth trying to find expert assistance if you’re moving to a brand-new home. Needing to juggle two residences can be a little facility specifically when you have actually got various other buyers in the mix so it works to have a helping hand along the process.


Whether you’re upgrading your home or downsizing as a result of the reality that the kids have in fact left house or more kids on the way, we can help you find the very best mortgage on the market for you to assure your moving is as stress-free as possible.

Buy-To-Let residential or commercial properties in Halifax

If you’re intending to get a buy-to-let residential or commercial property in Leeds, you’ll require a different type of home mortgage than if you were going to make it your home. Our advisors will certainly thoroughly check the whole marketplace for you to ensure you obtain the very best buy-to-let deal for your circumstances.


Regardless of if you’re acquiring your first rental property or you currently have a comprehensive profile, obtaining that added assistance is always useful as it permits you to stress about other points!

Remortgage In Halifax

Are you considering remortgaging? Are you looking to take advantage of the lowest mortgage rates in years? If you live in the Leeds and the surrounding areas. If you are looking to remortgage then speak to one of our advisors today.  Whether you are looking to get a cheaper mortgage deal, add to your investment portfolio, reduce your monthly mortgage payments or add value to your property, you should know that remortgaging can help you achieve all of these things.

Call Us Today For a Free Initial Mortgage Consultation

The 7 simple steps of the process of the house buying process with a mortgage broker in Halifax

1) Work out a budget for your new home

This includes finding out the current worth of your existing house and just how much you can obtain. Your credit history, incomings and also outgoings play an important role in computing cost.

2) Find your dream property and make an offer

Where do you wish to move to? How many bedrooms would you like? Do you want a yard, a garage, accessibility to a local school? Once you have actually discovered your best house it’s time to make a deal.

3) Arrange your new mortgage

Tell us when you have actually made an offer and we’ll find you the most appropriate deal we can. You’ll require to designate a solicitor to look after the sale of your present home in addition to the acquisition of your new one. We will certainly require his or her details to proceed.

4) Surveys and contracts

A survey is usually carried out by the lender for peace of mind. This is usually paid for up front by the borrower. If the results are satisfactory to all then a Contract for Sale can proceed. It agrees a price and completion date.

5) Selling your home

Don’t neglect that selling your existing home might take a while. Are you planning to move after you sell? You might need to rent before moving into your new residential or commercial property or take out a Bridging Loan.

6) Completion and moving in

Prior to completion, your solicitor must formally request the finance funds from your lender. When this is attained it is just a matter of grabbing your new keys and moving into your new home!

7) Get the keys!

Just before completion, your solicitor needs to formally ask for the funding funds from your lender. Once this is attained it’s a matter of picking up your brand-new secrets and relocating to your new residence!

F.A.Q.s About Woodhall Mortgages

As your Mortgage Broker in Halifax, we carry out a Fact Finder to establish your personal requirements before we suggest the most appropriate mortgage for your needs. A credit check is then needed for an Agreement in Concept. A formal home mortgage offer can be issued as soon as you have provided all the relevant documents and an appraisal of the home has been undertaken. with the mortgage.

To avoid possible frustration, we recommend you acquire an agreement in Principle prior to you start viewing homes in Halifax and the surrounding areas. At the very least you must get one prior to making an offer which can assist your bargaining position when purchasing a home.

Typically, a mortgage in principle is valid for up to 90 days. If it expires before you need it, you can quite easily reapply, but be careful not to request too many mortgages in principle, as too many credit searches could end up damaging your credit profile.

It may be possible to get a second mortgage on your home in Halifax for things like debt consolidation or home improvements/renovations. It may also be possible to take out a mortgage on a 2nd residential or commercial property if you’re wanting to use it for yourself, a relative, a vacation or a Buy to Let.

The minimum deposit when purchasing a house in Halifax with high street lenders is typically 5%. This can be higher if you have had previous credit problems.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

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Main Office - Mortgage Broker Halifax

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Eureka - Mortgage Broker Halifax

Eureka! The National Children's Museum

Eureka! The National Children's museum is a unique interactive educational museum for young people in Halifax with a specific focus on learning through play. It is run by a not-for-profit charity and is open to the community. It is very easy to get to ass it is right next to Halifax train station.

The Piece Hall - Mortgage Broker Halifax

The Piece Hall

The Piece Hall Halifax has been home to popular live music and comedy venues since the seventeenth century. It is at the corner of King Street in Halifax city centre. The Halifax area has grown rapidly and now includes many popular shopping and nightlife areas. From it's industrial begins, The Piece Hall now is the home to many shops, food stands and has large music events held in the structure itself.

Shibden Hall - Mortgage Broker Halifax

Shibden Hall

Shibden Hall is a Grade II listed historic home built in a historical park in the centre of Halifax, West Yorkshire, England, originally built as a cattle market. It was one of two market squares in West Yorkshire. In the mid-nineteenth century the building was modified and became one of the most important public houses in West Yorkshire. It is now a fully restored historic building known as the popular Tudor house.

Why Halifax is a great place to live?

Halifax is Calderdale’s largest town, with stunning Victorian architecture and a strong industrial heritage. It is home to the unique Piece Hall, Eureka! The National Children’s Museum, and the Halifax Minster. You will also find markets, independent and high street shops, theatres and many great places to eat and drink.


Halifax is Calderdale’s largest town and has one of the most complete Victorian townscapes in Britain. That means there are iconic buildings at practically every corner you turn and the museums are hardly in short supply. From the unique Grade I-listed Piece Hall to Halifax Minster, one of the finest buildings in Yorkshire, this is a town immensely proud of its heritage.


Halifax doesn’t have a reputation as a tourist town. Although, there is the Piece Hall development, the Square Chapel development, the Eureka children’s museum, the Minster, the Victoria Theatre, the Comedy Festival, the Heritage Festival and the Industrial Museum renovation so there’s a huge leisure resource developing in Halifax.’ 


There is a music scene. Vinyl shops have been spotted. Avocado toast is for sale. There are ironic whiskers here and there, but many commute to Leeds, Hebden Bridge or Manchester, where property prices are less kind.  If you are thinking of moving to Halifax or the surrounding areas and looking for a mortgage broker Halifax give us a call and we can help you with the process with our expertise and local knowledge.


Halifax caters for all ages so inquisitive little minds won’t have time to get bored. Whether your mini explorers would be more at home among the many woodland trails or love the hands-on learning at Eureka! The National Children’s Museum, there’s plenty to keep families of all sizes busy – whatever the weather.


All that sightseeing will make for thirsty work – you’ll need to re-fuel. Halifax is home to a broad selection of fine cafes, restaurants and bars. In fact, so proud of its delicious produce, the town hosts an annual food and drink festival, held every July. During a visit, be sure to indulge in a sprawling afternoon tea, dine on cuisine from around the world or relax and sip on local ale.


Halifax is a great place to live so if your thinking of buy property in Halifax or the surrounding area, speak to one of our mortgage advisor Halifax.


Other Areas We Cover In The UK

Halifax, England

About Halifax, England

Bus Stops in Halifax, England to Woodhall Mortgages

Bus Stop in Halifax Halifax, England to Woodhall Mortgages

Bus Stop in Market Street (stop 15) Halifax, England to Woodhall Mortgages

Bus Stop in King Edward Street 8 Halifax, England to Woodhall Mortgages

Bus Stop in Halifax Rd Fleece Street Halifax, England to Woodhall Mortgages

Bus Stop in Northgate Halifax, England to Woodhall Mortgages

Bus Stop in Waterhouse Street 17 Halifax, England to Woodhall Mortgages

Bus Stop in Halifax Rd Queen Street Halifax, England to Woodhall Mortgages

Bus Stop in Westercroft Lane Halifax, England to Woodhall Mortgages

Bus Stop in Halifax Road Watergate Halifax, England to Woodhall Mortgages

Bus Stop in South Parade Heath View Street Halifax, England to Woodhall Mortgages

Bus Stop in Pellon Lane Beech St Halifax, England to Woodhall Mortgages

Bus Stop in North Halifax Grammar (Stand D) Halifax, England to Woodhall Mortgages

Map of Halifax, England

Driving Directions in Halifax, England to Woodhall Mortgages

Driving Directions from The Imperial Crown Hotel, Halifax to Halifax, England

Driving Directions from Premier Inn Halifax Town Centre hotel to Halifax, England

Driving Directions from SHIBDEN MILL INN • Award Winning Country Inn to Halifax, England

Driving Directions from The White Swan Hotel • Halifax to Halifax, England

Driving Directions from Wool Merchant Hotel to Halifax, England

Driving Directions from The Schoolroom Suite to Halifax, England

Driving Directions from Halfords - Halifax to Halifax, England

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Driving Directions from Skin by Katie to Halifax, England

Reviews for Woodhall Mortgages Halifax, England

Woodhall Mortgages Reviews

Sam Blagbrough

starstarstarstarstar (5)

Woodhall mortgages (specifically Joanne) have helped me through start to finish on becoming a first time buyer. I needed guiding through a lot of the steps and she has been a great help making everything clear to me and explaining things in Lehman’s terms. Would 10/10 recommend

Woodhall Mortgages Reviews

Alan Brenik

starstarstarstarstar (5)

Joanne and Beckie at Woodhall Mortgages have been a godsend. We've had a couple of houses fall through for us (nothing to do with them!), and they've been so understanding and supportive in helping us finally secure a house. They're always happy to answer questions and have walked us through the process from start to finish, making it so much easier and less confusing than it otherwise would have been for us as first-time buyers. Very knowledgeable, friendly and approachable. I honestly can't recommend their services highly enough!

Woodhall Mortgages Reviews

Helen Kuzemchak

starstarstarstarstar (5)

I was so lucky to find Beckie when I first began looking for a mortgage. Due to many unusual circumstances I was not the easiest candidate to obtain a mortgage and the process of finding us a suitable mortgage took time. Beckie remained patient and professional throughout the journey and never gave in until she found my husband and I a suitable mortgage. Thanks Beckie and Woodhall for helping us get our dream home - would highly recommend you!

Woodhall Mortgages Reviews

Katie Poulter

starstarstarstarstar (5)

I would highly recommend Luke and the team at Woodhall Mortgages. Luke's expertise were invaluable to me as a first time buyer. The team are always professional, excellent with communication and very knowledgeable.

Woodhall Mortgages Reviews

ec 20

starstarstarstarstar (5)

Outstanding service from Woodhall Mortgages. I honestly can't thank Chris enough for all he has done. He made the mortgage application straight forward and stress free. He answered emails quickly and was there every step of the way with updates and advice. 100% professional and at a very fair price. I will definitely recommend this company!