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Browse our most frequently asked questions.

As a mortgage broker we have access to 1000s of mortgage products and can search almost 100 lenders to get your best possible mortgage for your circumstances and needs. We also have access to exclusive deals which you cannot get direct from a lender.

You will get independent expert advice as we are not tied to any lenders. We work for you not the lenders! We do all the leg work in securing you the right mortgage so you don’t have to, saving you time, money and effort. We will complete the mortgage application for you and will be your helping hand every step of the way from the start to finish, taking away any unnecessary stress and worry.

We can help with surveyors, solicitors and essential important insurances, having access to a range of insurance providers to ensure you have the best possible protection in place for your needs and circumstances.

Give us a call and we will guide you through the whole process.

We will work out how much you can afford to borrow so you can search for the right properties. We will provide you with a mortgage in principle so you can place an offer on a property. We will complete your mortgage application for you. We will then keep you updated every step of the way until you receive your mortgage offer and then your keys!

A mortgage in principle, also known as decision in principle and agreement in principle is when a lender will credit score you and provide you with a certificate to say that, ‘in principle’, they would lend you a certain amount.

We charge a broker fee based upon your individual circumstances and the complexity of your case which will be agreed at the outset. A typical fee is £395 and is only charged when your mortgage application has been approved and you have been issued with a mortgage offer.

No, appointments are free of charge. Feel free to pop into the office or give us a call at any point.

How much you can borrow is based on how much you earn and what your financial commitments are ie, what you pay out for loans, hire purchase and credit cards etc. We will carry out an affordability check for you based on your income and outgoings and advise you on how much you can borrow.
The minimum deposit needed for a residential purchase is 5% at the moment dependant on your credit profile.
We work with many clients who have bad credit to obtain them a mortgage. If someone has bad credit this does not necessarily mean a “no” in obtaining a mortgage. We would need to look at your credit file and then advise you depending on your circumstances. Click on the link “credit file” to obtain your credit file. We can then have a look at it for you and advise accordingly.
Subject to affordability checks you may be able to release equity from your home. Get in touch with any questions you may have.

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Worrall Mortgages Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority FCA no. 1009151 Registered in England and Wales no. 14008800. Registered address 22a Main Street, Garforth, Leeds, LS25 1AA.

This information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

There may be a fee for mortgage advice.  The precise amount will depend on your circumstances but typically this will be £395.

Your home may be repossessed if you do not keep up repayments on your mortgage or any loan secured on it.

Conveyancing Services and Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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22a Main Street, Garforth, LS25 1AA

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