Leeds Building Society mortgage review
Leeds Building Society is one of the biggest building societies in the UK. It offers a huge range of mortgages to suit the needs of many customers.
With such a vast range of products, there’s likely to be one suitable for you. The lender also provides a mortgage advice service to help you choose the best deal.
First-time buyers might be tempted by the lender’s 95% loan-to-value products, its unique “Welcome” mortgage or shared ownership deals. Those looking for stable monthly repayments may want to investigate its 10-year fixed-rate mortgage. There are plenty of buy-to-let mortgages available, too.
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What types of mortgage does Leeds Building Society provide?
How do I contact Leeds Building Society?
You can get in touch with a Leeds Building Society mortgage expert by phone, by email or via one of its branches.
The phone number is 03444 175 785. You can call on weekdays between 8am and 8pm, or on Saturdays between 9am and 5pm.
The telephone service can be used to speak to a mortgage advisor about the most suitable product for your circumstances. If you wish, the advisor can also guide you through your application.
How do I apply for a Leeds Building Society mortgage?
You can complete your application over the phone or online.
The telephone application process involves two steps: a decision in principle and the full application.
To receive a decision in principle, you only need to present basic personal and financial information. The process takes around 10 minutes. After this, the lender will be able to make a decision on your eligibility for a mortgage and offer you a quote. Your approval will be based on the results of a credit check.
From there, you can choose to continue with the full application. This requires more detailed information about your income and outgoings.
You’ll need the same information available during the online application process, although you’ll get no advice from the lender’s mortgage experts.
To be considered for a Leeds Building Society mortgage, you must:
- Be aged 18 or over.
- Be aged under 80 (85 for buy-to-let) when the mortgage ends.
- Be a UK taxpayer.
- Have resided in the UK for at least the last two years.
- Be buying a property in the UK.
- Be currently in full-time or part-time employment.
- Have been in continuous employment for at least the last six months.
- Have suffered no bankruptcies, IVAs or property repossessions in the last six years.
Mortgage loans can be between £50,000 and £1,250,000 depending on your circumstances. Mortgage terms range between 5 and 40 years. Leasehold properties must have at least 85 years left on the lease at the time of application to be considered.
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