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Mortgage Brokers UNCLAIMED LISTING

Living Portraits (West Yorkshire ) Limited

Mortgage Brokers · York · Est. 2018

8 years

Active Trading

Active

CH Status

11435468

Company No

2023

Accounts to

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Company Registration Details

Registered company name	Living Portraits (West Yorkshire ) Limited
Companies House number	11435468 →
Company type	Private Limited Company (Ltd)
Registered address	Unit 5 Concept Court, YO30 4XF
City / Region	York
Date incorporated	2018
Years trading	8 years
CH status	Active
Specialism	Recorded activity: 74201
Index status	Claim this listing →

About Living Portraits (West Yorkshire ) Limited

Incorporated in 2018, Living Portraits (West Yorkshire ) Limited is an established firm with 8 years of trading history. The company has built its practice during a period of significant evolution in the UK financial services market and continues to operate as an active registered company.

York accounts for 22 of the 5754 mortgage brokers tracked on this index.

Verification takes minutes on register.fca.org.uk and confirms live mortgage permissions and trading names.

What Mortgage Brokers Do

A mortgage broker acts as an intermediary between borrowers and lenders, assessing your circumstances before recommending a product. Firms differ in market coverage, and FCA rules require that coverage to be disclosed at the outset of advice.

Broker knowledge earns its keep on non-standard cases: self-employed income, adverse credit, unusual construction or large loans.

How to Choose the Right Mortgage Broker

Choose by case type: mainstream residential, buy-to-let, later-life lending and adverse credit are distinct specialisms. Ask any prospective firm how many lenders it can place with and whether it has handled cases like yours recently.

Broker remuneration typically combines a lender-paid procuration fee with an optional client fee, both disclosable under FCA rules.

Frequently Asked Questions

Do I need a mortgage broker or can I go directly to a lender?

Direct applications are always possible but confine you to one lender's range. An intermediary compares products across many lenders at once, which tends to matter most where circumstances are non-standard: self-employment, credit history issues or unusual property.

How much does a mortgage broker charge?

Charging varies: lender-paid only, a flat client fee, or a percentage on complex cases. FCA rules require the model and amount to be set out upfront, so ask for it in writing at the first conversation.

What documents do I need to provide to a mortgage broker?

The standard pack covers ID, proof of address, three to six months of bank statements, income evidence appropriate to your employment type, and your current credit commitments; specific lenders add their own requirements.

How long does the mortgage process take when using a broker?

Timescales depend on the lender and case complexity: a few weeks for standard residential, longer for specialist or commercial. Ask the firm for a realistic estimate for your specific case.

Can a mortgage broker help if I have been declined by a lender?

Often yes. Post-decline placement is a recognised specialism: the task is matching your circumstances to a lender whose published and unpublished criteria accept them.

Other Mortgage Brokers in York

The Worcestershire (Droitwich) Management Company LimitedYork · Est. 2003	View →
Aviva Equity Release Uk LimitedYork · Est. 1996	View →
Pioneer Mortgage Services LtdYork · Est. 2015	View →
Townend Way (Helperby) Management Company LimitedYork · Est. 2024	View →

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Important notice: This page presents publicly available information from the Companies House register. Kaeltripton.com is a directory service and is not affiliated with Living Portraits (West Yorkshire ) Limited or any listed firm. This page does not constitute financial advice. Always verify a firm's regulatory status on the FCA Register at register.fca.org.uk and its Companies House status at companieshouse.gov.uk before entering into any arrangement.

Living Portraits (West Yorkshire ) Limited | Mortgage Brokers | York | Est. 2018