Is there a fee free mortgage broker in Leeds?

Yes. Alexander Southwell Mortgage Services provides whole of market mortgage advice to clients across Leeds and West Yorkshire, fee free for standard residential and buy to let mortgages. The lender pays us when your mortgage completes.

How much deposit do I need to buy in Leeds?

Most lenders ask for a minimum 5% deposit. With first time buyers in Leeds paying around £217,000 on average, that is roughly £11,000. A 10% deposit opens up more lenders and better rates, and gifted deposits are accepted by most lenders.

Can I get a mortgage if I am self employed?

Yes. Most lenders want two years of accounts or SA302s, some accept one year of trading, and limited company directors can often use salary plus dividends or retained profit.

Do I need an Agreement in Principle?

An Agreement in Principle is a lender's written confirmation of how much they are prepared to lend, based on a soft credit check. Estate agents in Leeds will usually want to see one before putting your offer forward. We can arrange yours within 24 hours.

Mortgage Advisers in Leeds | Fee Free Mortgage Brokers

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Fee Free Mortgage Brokers Across West Yorkshire

Finding a mortgage can feel overwhelming when you are juggling viewings, solicitors and other buyers. Good mortgage advice makes it simple. Leeds has one of the strongest economies outside London, three universities and a property scene that runs from city centre flats to family homes in Roundhay and Horsforth, so demand stays high. Whether you are taking your first step onto the ladder or making your next move, our brokers help you find a mortgage deal that fits your circumstances.

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Southwell MORTGAGE

Why choose us?

Alexander Southwell Mortgage Services Limited is directly authorised and regulated by the Financial Conduct Authority, not an appointed representative of a network, so the advice is ours alone. We provide access to mortgage products from across the market, including first and second charge mortgages, though not deals that are only available direct. We handle the paperwork and liaise with lenders and solicitors on your behalf, so your application moves forward without hassle or delay.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

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Fee free mortgage advice: no typical fee of several hundred pounds. If a complex case needs a fee, we agree it in writing first.

Quick summary

Fee structure:

Fee free for standard residential and buy to let mortgages. The lender pays us on completion. Any fee for a specialist case is disclosed upfront in writing.

Areas we cover:

Leeds, Bradford, Wakefield and the whole of West Yorkshire. We are based in Hampshire and work by telephone appointments, video and email, so mortgage advice fits around your life rather than the other way round.

Who we help:

First time buyers, home movers, remortgaging, buy to let (including limited company and portfolio landlords), self employed clients and business owners.

Same day service:

Get in touch for a free, no obligation chat today. Most clients get a call back the same working day and a Decision in Principle within 24 hours.

Your Leeds mortgage brokers

As whole of market mortgage brokers we are not tied to any bank or building society. We compare thousands of mortgage products to find the most suitable mortgage for your circumstances, not the one that is easiest to place. We are FCA regulated, fee free for standard cases and rated 5 stars by our clients. From first time buyers to experienced landlords, our dedicated team makes taking out a mortgage in Leeds as straightforward as it should be, and we look at protection alongside it: life cover, critical illness cover and income protection, so your home and family are protected whatever happens.

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Over 20 years' experience in residential and buy to let mortgages

Meet Our Team

Understanding Your Status

How our mortgage process works

From your first conversation to completion we manage the whole process, coordinating with estate agents, the lender and your solicitor so everyone works to the same date. One team, one number, and answers to your questions when you need them.

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Step 1: Consultation

Get in touch and tell us about your situation. A few questions about income, deposit and what you want to achieve give us the information we need to point you in the right direction.

Step 2: Recommendation

Your adviser compares mortgage products across suitable lenders and prepares a tailored recommendation, with an illustration showing the rate, fees and total cost so you can make an informed decision.

Step 3: Decision in Principle

Once we have found the right mortgage we secure a Decision in Principle, the lender's written indication of what they will lend, which puts you in a much stronger position when you make an offer on a property.

Step 4: Application

We submit the full application, send your documents to the lender, answer underwriter questions on your behalf and arrange the valuation or survey. You will not need to chase anyone.

Step 5: Completion

We track your case to mortgage offer, keep in touch with your solicitor through the legal work to exchange and completion, then diarise a review before your fixed rate ends so you are never left on an expensive standard variable rate.

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Being prepared with the right paperwork
Documents You’ll Need

Income evidence: Last 3 months' payslips for employed applicants, or the last 2 to 3 years' accounts and SA302s for self employed clients

Deposit evidence: Savings statements, gifted deposit letters or sale-of-property memorandum if using proceeds from another property

Additional documents: Complex cases may need extra paperwork, for example buy to let schedules, evidence of foreign income or an explanation of past credit issues

Bank statements: Last 3 months’ current account statements showing income credits and regular commitments

Proof of ID and address: Passport or driving licence, plus a utility bill or council tax bill dated within the last 3 months

Buying property in Leeds

Leeds has a lot going for it, for people buying a home and for landlords. Here is what we tell clients before they start looking:

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Regeneration and growth:

One of the fastest growing economies outside London, with major employers in financial services, law, tech and the NHS, and big regeneration at South Bank, Kirkstall Forge and around the station.

Average property prices:

ONS figures at the time of writing put the average home at around £249,000, up about 6% on the year. Flats average roughly £154,000, terraces £207,000, semis £273,000 and detached houses £459,000, with first time buyers paying around £217,000.

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Key buyer groups:

Three universities and a young professional workforce keep rental demand strong, with average private rents around £1,140 a month. Headingley, Hyde Park and the city centre suit landlords; Roundhay, Chapel Allerton, Horsforth and Pudsey draw families.

Transport links:

Trains reach Manchester in under an hour and London in just over two, and the M1, M62 and A1(M) put Bradford, Wakefield, Harrogate and York within easy commuting distance, which supports property values right across West Yorkshire.

Services

Our mortgage services

Leeds city centre, where our advisers arrange mortgages for local buyers

How Much Can You Borrow?

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This is an estimate only. Actual lending is subject to your credit profile, outgoings, deposit and lender criteria. Speak to one of our advisers for a personalised assessment.

FAQ

Leeds Mortgage FAQs

Fee free mortgage advice for home buyers in Leeds

Mortgage Advisers in Leeds