How many mortgage brokers are in Harrogate?

40 FCA-regulated firms are listed for Harrogate. Common focus areas include Buy-to-Let, Ltd Co, Adverse Credit, Commercial, Development.

Why use a mortgage broker in Harrogate instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Harrogate often know which underwriters are comfortable with nearby property types and survey quirks. The HMO (house in multiple occupation) market is particularly active in Leeds and Sheffield due to large student populations. Specialist HMO mortgage brokers can access lenders that standard brokers often can't.

What does mortgage advice typically cost in Harrogate?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Harrogate?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Ltd Co, Adverse Credit), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Harrogate with adverse credit?

Often yes. Harrogate has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Harrogate, Yorkshire and The Humber

Q: What do typical property prices look like in Harrogate?

The average price in our data is £208,447 (up 3.3% year-on-year). Yorkshire and The Humber achieved strong 3.3% growth in 2025, with prices up nearly 29% over five years. Leeds, Sheffield, and York each have distinct markets — from student lets to period properties — creating diverse opportunities.

About Harrogate

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Harrogate
#	Broker	Verified	Rating
1	Georgia Smith DipPFS - Financial Adviser of DWB Wealth Consultancy Ltd	Unverified	5.0 (8)
2	AurumGold Limited	Unverified	5.0 (5)
3	SMH Howard Matthews	Unverified	5.0 (28)
4	Clare Tumber Just Mortgages	Unverified	5.0 (8)
5	Sheavyn Associates Financial Management Ltd	Unverified	5.0 (20)
6	Above & Beyond Mortgages (Yorkshire) Limited	Unverified	5.0 (3)
7	North Bay Mortgages	Unverified	5.0 (20)
8	Consumer Credit Compliance Limited	Unverified	5.0 (1)
9	Glenn Shaw Just Mortgages	Unverified	5.0 (16)
10	Harrogatemoneyman - Mortgage Broker	Unverified	5.0 (8)

Local snapshot

Harrogate (Yorkshire and The Humber) lists 40 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £208,447 — up 3.3% year-on-year.

Yorkshire and The Humber achieved strong 3.3% growth in 2025, with prices up nearly 29% over five years. Leeds, Sheffield, and York each have distinct markets — from student lets to period properties — creating diverse opportunities.

What local advisers focus on

Together they cover Buy-to-Let, Ltd Co, Adverse Credit, Commercial, Development, Bridging — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Harrogate?: 40 FCA-regulated firms are listed for Harrogate. Common focus areas include Buy-to-Let, Ltd Co, Adverse Credit, Commercial, Development.
What do typical property prices look like in Harrogate?: The average price in our data is £208,447 (up 3.3% year-on-year). Yorkshire and The Humber achieved strong 3.3% growth in 2025, with prices up nearly 29% over five years. Leeds, Sheffield, and York each have distinct markets — from student lets to period properties — creating diverse opportunities.
Why use a mortgage broker in Harrogate instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Harrogate often know which underwriters are comfortable with nearby property types and survey quirks. The HMO (house in multiple occupation) market is particularly active in Leeds and Sheffield due to large student populations. Specialist HMO mortgage brokers can access lenders that standard brokers often can't.
What does mortgage advice typically cost in Harrogate?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Harrogate?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Ltd Co, Adverse Credit), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £208,000 (regional proxy for Yorkshire and The Humber).

Annual movement about 3.3% (rising).

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 40 firms side by side. 1 shows 10+ years trading history.

Collective review score is 4.8/5 across 27 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Ltd Co, Adverse Credit, Commercial. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.

Street-level detail

The HMO (house in multiple occupation) market is particularly active in Leeds and Sheffield due to large student populations. Specialist HMO mortgage brokers can access lenders that standard brokers often can't.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Harrogate is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Harrogate

Directory snapshot — Harrogate

Need help choosing a broker?

Top 10 mortgage brokers in Harrogate

Georgia Smith DipPFS - Financial Adviser of DWB Wealth Consultancy Ltd

AurumGold Limited

SMH Howard Matthews

Clare Tumber Just Mortgages

Sheavyn Associates Financial Management Ltd

Above & Beyond Mortgages (Yorkshire) Limited

North Bay Mortgages

Consumer Credit Compliance Limited

Glenn Shaw Just Mortgages

Harrogatemoneyman - Mortgage Broker

More areas in Yorkshire and The Humber

Explore Postcode Districts Near Harrogate

Market data for Harrogate

Market data panel