Emma Coombes
19 Jan 2026Although our mortgage process took longer than anticipated, Paul handled our complex circumstances with real expertise. His clear communication and methodical approach led to a great outcome. Highly recommended.
AFP Yorkshire is an FCA-regulated mortgage broker based in Calderdale, HX2 0TQ, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 35 reviews.
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Charlotte Harris
Mortgage Adviser
Daniel Evans
Protection Specialist
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Emma Coombes
19 Jan 2026Although our mortgage process took longer than anticipated, Paul handled our complex circumstances with real expertise. His clear communication and methodical approach led to a great outcome. Highly recommended.
Bethan Daniels
2 Dec 2025Paul was recommended to me by a family member and has been great from start to finish. Very thorough with our application and options. Always willing to check updates rates before completion. Would recommend.
Callum Vause
7 Mar 2025Paul was fantastic to work with. Ultimately, he took a process that I had been dreading for a long time and ensured that it was as quick and painless as possible (and helped me secure a Mortgage Offer - probably the most important part!). I would recommend AFP Yorkshire and Paul to anyone.
Marcus A Gill
15 Nov 2024Highly recommend Paul if you’re looking for a mortgage adviser as he had a wealth of knowledge and able to advise us on the best offers out there based on situation Not only that, he helps you every step of the way and explains a lot of the jargon. Really friendly and takes the time to make sure we were kept informed throughout the whole process. A great service provided by Paul and will definitely use him again!
Natalie Gawor
1 May 2024We have used Paul several times over the years to renew both buy-to-let and residential mortgages and have been consistently happy with the level of service. Paul has been great at finding products that match our needs, and he closely follows changes in the market, providing confidence that you’re getting the best available rates at a one time. Highly recommend!
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UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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