At West Yorkshire Money, we make finding the right Independent Mortgage Advice simple, stress-free, and tailored to you. With access to the Whole of Market, we search for the best deal for your circumstances, not what suits a lender.

From first-time buyers to home movers, landlords, and complex cases, we take care of the hard work so you don’t have to. You’ll get clear advice, honest guidance, and support at every step.

With flexible appointments and a friendly, face-to-face service, including from our Pontefract office, we’re here when and where you need us.

Straight-talking advice. Better mortgage outcomes. Real peace of mind.

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Whether you are self-employed, have bad credit, a zero hours contract or are looking for a 100% mortgage, we can get you approved.

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Simple Smart Advice

We believe that you, the client, deserve independent, whole of market advice without it costing the earth.

At the same time our remit is to act in your best interest at all times to ensure that you could the correct advice that your circumstances deserve. This all comes with a compassionate , understanding and friendly face to face approach. We can see you at a time and place that is convenient at home , work or our brand new office in the heart of Pontefract.

We pride ourselves on being able to cater for all enquiries whether that be residential purchases and re-mortgages through to complex scenarios, commercial lending , buy to lets and anything else in between.

We support clients across the UK, from Scotland to Wales, with the same high standard of service wherever you're based.

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Top 100 Rated Mortgage Adviser (2020–2026) • The Times & The Telegraph

Best Entrant Broker Nominee (2019) • Mortgage Introducer Awards

Finalist: Mortgage Broker of the Year (2021-2022) • Yorkshire Financial Awards

Mortgage Brokerage Firm Winner (2021–2025) • Yorkshire Prestige Awards

Mortgage Brokerage of the Year (2023) • Northern Enterprise Awards

Financial Services Client Care Excellence (2023) • Northern Enterprise Awards

Mortgage Brokerage of the Year (2023) • Northern Enterprise Awards

VIP Speaker: Financial Times Forum (2023) • The Future of BTL
Judge (2025, 2026) • Wakefield Business Awards

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Discounted advice for NHS and Teachers now available!

At West Yorkshire Money, we recognise the incredible commitment of our local NHS staff and teachers. To say thank you for the work you do, we are proud to offer a special discount on our professional mortgage advice fees exclusively for healthcare and education workers.

We understand that your payslips can be complex - with overtime, unsocial hours and TLR payments. Our expert team specialises in finding lenders who understand your income. Whether you’re a First-Time buyer or looking to remortgage, our discounted advice service ensures you get the best market rates without paying the full standard fee. It’s our way of helping those who help our community everyday!

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

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First Time Buyers

Getting on the property ladder can feel daunting; we are here to make it possible. Whether you have saved, have family support, or are exploring government schemes, our expert knowledge helps uncover options you might not have considered. We love helping first-time buyers take that all-
important first step into homeownership.

With property prices and lending criteria more challenging than ever, first-time buyers often feel the odds are stacked against them. We are fully committed to supporting you at every stage and want to see you succeed. If you have worked hard to save or have help from family, we can guide you through the thousands of mortgage products available to find the right fit. If not, we have in-depth knowledge of the schemes designed specifically to help first-time buyers. And if you feel stuck or unsure where to turn, our independent status and deep understanding of the mortgage market allow us to explore alternative routes that may not be immediately obvious.

If there is a way onto the housing ladder, we will work hard to find it for you.

100% Mortgage / Track Record Mortgage

This mortgage is designed for clients who haven’t owned a property in the last three years. Instead of relying solely on a deposit, we use your track record of paying rent to assess how much you may be able to borrow.

You can apply with no deposit, although we may accept a deposit of less than 5% if you have one.

Eligibility Criteria

You may be eligible if:

You have not owned a property in the UK in the last 3 years
You are aged 21 or over
You have had no missed payments on debts or credit commitments in the last 6 months
You want to borrow up to £600,000
You are not purchasing a property in Northern Ireland
You have paid your rent on time for 12 consecutive months within the last 18 months

Lenders may also request evidence of household bill payments.

98% Mortgages

Is the struggle to save a massive deposit leaving your homeownership dreams on hold?

At West Yorkshire Money, we know that the biggest hurdle for most isn’t the monthly payment- it’s the years spent in the ‘rent trap’ trying to hit that 10% milestone. That’s why the 98% Mortgage is a total game-changer.

By requiring just a 2% down payment, this ‘Deposit Shortcut’ bridges the gap between renting and owning. This is designed to Fast-Track First-Time Buyers into their own homes.

Eligibilty Criteria:

Both applicants must be First Time Buyers.
Minimum deposit of £10,000.
Not eligble for flats and new-builds houses.
⁠Not available for properties in Northern Ireland.
Unavailable to Self-Employed.
Available for loans upto £500,000.

Stop waiting for the ‘perfect’ savings balance and start your homeownership journey today.

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

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Home movers

Moving home is never as simple as it should be, there are always complications. Our experience, knowledge and easy manner, mean that getting your mortgage isn’t one of them.

Of course, your mortgage is a commitment which will last decades; you need to get it right. Fixed, discounted, tracker, capped, collar, the choice is frankly bewildering. As independent advisers we have hundreds of mortgage lenders and thousands of deals available to us.

We’ll make sure you get the mortgage that’s right for you. But we’ll do even more. From our initial discussions, right the way through to you getting the keys to your new home, we’ll hold your hand, sit in your corner and when necessary, put an arm around your shoulder.

To put it more simply, we are on your side.

Remortgages

Most mortgages take decades to repay, but that doesn’t mean you have to stay with the same lender. Since the financial crisis, we’ve seen interest rates fall and new banks entering the market. That’s a combination which puts you, the borrower, in control.

As independent mortgage advisers we’re in your corner, advising you on the best option for you. That might be to stay with your existing lender and renegotiate your deal, it might mean considering an alternative.

You might be paying your lender’s Standard Variable Rate and want to reduce your payments; alternatively, now might be the right time to consider a fixed rate.

Whether you are coming to the end of your current mortgage deal, or you’re paying your Standard Variable Rate, you can trust us to give truly independent mortgage advice and do what’s right for you.

Capital Raise: Borrow more than your current mortgage balance to fund an expenditure (debts, another purchase, home improvements, etc.
Process: A new lender pays off your existing mortgage, setting up a separate mortgage on your current home, often alongside a new mortgage for your next property.
Reasons to Remortgage: Switch to a better rate, avoid the high Standard Variable Rate (SVR), or release equity for a new purchase, consolidate to reduce commitments).
Financial Requirements: Lenders typically allow up to 6× your annual income (in some cases), with standard affordability checks.
Costs: May include legal fees, valuation charges, and early repayment fees from your existing lender.

Other Options

Porting - Move your current deal to a new home.
Product Transfer - Switch to a new deal

Interested in finding out more? Ask your Adviser about these options and we can talk you through them.

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Shared Ownership Mortgages

At West Yorkshire Money, we’re very adaptable and experienced in all kinds of mortgages, so if you’re wanting clarification regarding ‘what is a shared ownership mortgage?’, then you’ve come to the right place. We have a whole host of independent advisers with access to the whole of the UK’s mortgage market, so we can tailor your circumstances to the best product possible.

Shared Ownership makes getting on the property ladder more accessible. You buy a share of your home (25–75%) and pay a mortgage on that portion, while paying rent on the remainder to a housing association — keeping monthly costs manageable. Options to buy out the remaining shares later.

Who would this suit?

Shared ownership is great for First Time Buyers with limited budget or Clients recently separated/Divorced needing reduced outgoings but stability.

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Personal Buy-to-Let Mortgages

A Buy-to-Let mortgage helps investors purchase properties for rental income, capital growth, and wealth diversification. Navigating the market can be complex, that is where our specialist expertise comes in. We provide independent advice to secure the right financing for acquisitions, growth, refinancing, or capital raising, while assessing whether your investment strategy is financially sound.

We also support existing investors looking to:

Add properties to their portfolio.
Remortgage for better rates or fixed terms
Raise capital against existing properties.

LTD Co Buy-to-Let Mortgages

Limited company buy-to-let (BTL) mortgages allow property investors to purchase or remortgage rental properties through a Special Purpose Vehicle (SPV) rather than in their own name. These mortgages often require a 15-25% deposit, offer LTVs up to 75-85%, and often require the rental income to cover 125-145% of interest payments. They are commonly used for tax efficiency, particularly for higher-rate taxpayers.

Key Aspects of Ltd Company BTL Mortgages

Structure: Mortgages are taken out by a Limited Company (often an SPV).
Deposit Requirements: 15% to 25% of the property value, depending on whether the company is a newly set up SPV or an existing trading company.
Affordability: Lenders focus on the rental income, which usually needs to cover 125%–145% of the mortgage interest payments.
Rates and Fees: While they were once higher, rates are now more competitive, though sometimes slightly higher than personal BTL mortgages.
Portfolio Size: Suitable for first-time, experienced, or large-portfolio landlords.

Pros and Cons

Pros: Potential tax advantages (interest relief), separation of personal and business liabilities.
Cons: Higher interest rates or lender fees compared to personal mortgages, fewer lenders available, personal guarantees are often required.

Considerations

Interest Cover Ratio (ICR): Lenders check if rental income covers mortgage costs (often calculated at a higher notional rate).
Tax Implications: While mortgage interest is deductible for corporation tax, extracting money as dividends may incur taxes.
Property Type: Many lenders specialize in residential, but some also cover HMOs and multi-unit blocks.
Regulators: These mortgages are usually not regulated by the Financial Conduct Authority.

Portfolio Landlord Mortgages

Designed for investors with four or more mortgaged properties, portfolio mortgages simplify management by consolidating multiple properties under one tailored loan. Lenders assess your entire portfolio, helping improve borrowing capacity and streamline cash flow.

Key Benefits

Simplified administration: One lender, one monthly payment.
Better financing: Access specialist products, including limited company options.
Portfolio leverage: Stronger properties can support lower-yielding ones.

No fuss, no hassle - Simple, Smart Independent Mortgage Advice.

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Self-Employed

Being self-employed does not have to make getting a mortgage complicated. At West Yorkshire Money, we specialise in helping business owners, contractors, Day Rate Contractors, and CIS workers secure mortgages that reflect their true earning power — not just a standard salary.

We work with:

Limited company directors & shareholders — combining salary, dividends, and retained profits for a realistic affordability assessment.

Sole traders & partnerships — using net profits and trading history to unlock borrowing potential.

Contractors, consultants & Day Rate Contractors — showing consistent income through contracts and invoices.

CIS workers & subcontractors — leveraging gross income and specialist lenders to maximise borrowing (usually 3 months payslips required with history)

Sole trader → limited company transitions — combining historical accounts with new company structure to boost eligibility & sometimes less than 1 years’ Accounts in the new entity (projections required).

How we help:

Access specialist lenders who understand self-employed income structures.
Optimise affordability using multiple income streams.
Present your financial profile in the most lender-friendly way.
Support with complex or irregular income, seasonal earnings, and limited trading history.

We make the process simple, fair, and stress-free, so you can secure your first home, move, or invest - with confidence.

Case Study

Lender: \"We’re committed to helping your self-employed customers with innovative solutions like our latest Limited Edition remortgage only product, featuring a £750 cashback offer. \"

Chloe and Sarah have always cherished their childhood home, but they were ready to take their next step towards independence together. Chloe, a self-employed cyber security consultant, had the flexibility to live at home, while Sarah faced challenges due to her deteriorating health, relying on Disability Living Allowance and Universal Credit to support their household.
Despite their determination to move out, they were worried about navigating the complexities of the housing market, especially with traditional lenders. Chloe’s bank told her that she’d need to provide three years’ accounts to assess her affordability, by averaging her income, which didn’t align with her need to stay close to her family in a desirable area.

Your business earns it. Your mortgage should reflect it.

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Specialist Mortgages

HMO Mortgages

Houses in Multiple Occupation (HMOs) can deliver higher rental yields but financing them requires specialist lending. We help landlords secure the right HMO mortgage, tailored to the unique requirements of properties rented to three or more tenants with shared facilities.

Airbnb & Holiday Let Mortgages

Specialist mortgages for properties used as short-term, furnished holiday rentals. Typically requiring a 20–25% deposit, affordability is based on projected rental income. Many allow up to 90 days of personal use per year, unlike standard residential or buy-to-let mortgages.

Commercial Mortgages

Commercial mortgages help businesses and investors secure property, from offices and retail units to warehouses. Terms typically range from 3–25 years, with deposits usually 25–40%+ and rates based on income and loan-to-value (LTV).

Types of Commercial Mortgages

Owner-Occupier: Buy your own trading premises.
Commercial Investment: Purchase properties to rent to businesses.
Semi-Commercial: Mixed-use properties, like a shop with a flat above.
Short Term Finance: Loans over 6/12 months and nothing to pay over the term specified.

Expat Mortgages

Buying or remortgaging UK property from abroad can be tricky - we make it simple. We provide bespoke mortgage solutions for expatriates, foreign nationals, and international investors, with expert guidance, competitive terms, and a seamless process wherever you are in the world.

Right to Buy Mortgages

Right to Buy mortgages are designed for eligible council or housing association tenants in England who want to purchase their rented home at a significant discount. The scheme allows tenants to turn their tenancy into ownership, often using the discount as a deposit to make homeownership more affordable.

Key Features

Discounted purchase price: The larger your tenancy period, the bigger the potential discount.
Use the discount as a deposit: Reduces the amount you need to borrow.
Affordable monthly payments: Designed to make buying your home achievable.
Eligibility: Typically for council or housing association tenants with a qualifying period of tenancy.

Benefits:

Own the home you already live in.
Build equity rather than paying rent.
Enjoy long-term stability and security in your property.
Access mortgage options tailored for RTB purchases.

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Equity Release

Unlock the cash in your home with Equity Release — for homeowners 55+, without having to move. Use it to fund a dream holiday, support family, make home improvements, or clear debts. Stay in your home with a No Negative Equity Guarantee and make informed choices that work for you and your loved ones.

Equity release is a significant financial decision and it is important that it is right for you and your circumstances at the time you take it out. At West Yorkshire Money, our role is to provide clear, independent advice so you can make a fully informed choice. If you are a homeowner aged 55 or over, equity release may allow you to access funds tied up in your property, whether to clear debts, improve your home, enjoy retirement plans or support family members financially. We actively encourage the involvement of family or trusted individuals and prefer to meet in person, allowing us to understand your situation fully and guide you through the process at your pace.

The funds released can be used in a variety of ways, commonly for home improvements, repaying an existing mortgage or debts, helping family, funding travel, or purchasing items such as a car or holiday property. There are no restrictions on how the money is spent.

Equity release offers several benefits, including the ability to remain in your home for life or until you move into long term care. Plans include a no negative equity guarantee, ensuring you never owe more than the value of your home. The money released is tax free and, depending on the plan chosen, there may be no requirement to make monthly repayments. Modern plans also offer flexibility, with options to take funds as a lump sum or through a drawdown facility.

However, equity release is not suitable for everyone. It will reduce the value of your estate and the amount you are able to leave as an inheritance. It may also affect entitlement to certain state benefits. Early repayment can involve charges, and with some plans the interest rolls up over time, meaning the balance can increase significantly. It is always important to consider alternatives, such as downsizing or other ways of generating income from your property, before proceeding.

Secured Loans / 2nd Charges

A Second Charge Loan is a flexible, cost-effective way to access your home’s equity without remortgaging. Use it for debt consolidation, home improvements, major life events, or business and investment needs. Loans range from £10,000 to £2.5 million, with larger amounts available on

referral.

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Poor / Low Credit Score or Bad Credit?

Struggling with your credit history should not stop you from owning a home. At West Yorkshire Money, we connect individuals and families across England, Wales, and Scotland with specialist lenders who look beyond your credit score and assess your unique financial situation.

Our imperfect credit mortgages are designed for those with:

County Court Judgements (CCJs)
Defaults or overdue payments
∙Bankruptcies
Repossessions
IVA’s
Defaults

We help make homeownership possible, even when the past has been challenging.

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Your income. Your kids. Your family. Everything, right?

Protect what matters most. From life and critical illness cover to income protection, we provide bespoke solutions that secure your income, family, and future, giving you peace of mind, whatever happens. Your mortgage is probably your largest financial commitment. Whilst there is nothing more important to you than your family, none of us like to contemplate being unwell, or passing away at a young age, but unfortunately, the worst does sometimes happen. If tragedy strikes, you need to ensure your largest and most important commitments are financially protected. You can be assured that our advisers will approach this subject sympathetically, whilst making a recommendation which is right for you, your family and your budget.

Families

Your household income does more than keep up with mortgage payments. It covers everyday essentials and supports long term plans such as retirement savings and your children’s education. For many families, both incomes are essential to maintaining financial stability. If one were suddenly lost due to illness or death, the impact could be significant. Thinking ahead allows you to reduce the financial strain on those closest to you during an already difficult time. We encourage all clients to explore their options, so any decision made is based on clear, straightforward advice and personal choice.

Business owners and the self-employed

Running a business brings independence and opportunity, but it can also mean greater financial exposure. Without the safety net of employer benefits such as sick pay or death in service cover, both family and business can be vulnerable if something unexpected happens. We understand the realities of business ownership and how easy it is to put long term planning aside while dealing with daily pressures. Our role is to help you consider how illness or death could affect your income, your family and the future of your business. While insurance may not be top of the priority list, it can make a vital difference when it matters most. We will talk you through the available options, offer a clear recommendation, and support you in making a decision that suits your situation.

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We have direct permissions to arrange mortgages, which means there is one less approval layer between you and your lender. Fewer handovers and less paperwork can help make the process faster, clearer and more reliable, while still meeting all FCA requirements for regulated advice.

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Insider lender expertise
With senior-level underwriting experience — including authority to lend up to £1 million across five major UK lenders — we know exactly what lenders look for and how to present your case to achieve a swift mortgage offer.

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Our secure customer portal makes managing your mortgage application simple. Track your progress in real time, upload paperwork quickly, receive updates, and stay connected with your broker, so you always know exactly where things stand.

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Recognised nationally for excellence in mortgage advice, service and client care. Our brokerage has consistently ranked among the top in the industry, earning multiple awards from respected financial publications and industry bodies. Highlights include being named a Top 100 Rated Mortgage Adviser by The Times and The Telegraph from 2020 to 2026, winning Mortgage Brokerage Firm of the Year at the Yorkshire Prestige Awards from 2021 to 2025, and securing Mortgage Brokerage of the Year at the Northern Enterprise Awards in 2023.

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Clear, flexible communication is at the heart of our service. We adapt to how you prefer to stay in touch, whether that is by text, phone calls, email or WhatsApp, so you always get quick answers and smooth updates throughout your mortgage journey.

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With over 28 years of experience in the mortgage industry, Adele brings unparalleled knowledge and insight to every client she supports. Her career has spanned multiple high-level positions — including Senior Mandated Mortgage Underwriter, authorised to lend up to £1 million across five major UK mortgage lenders. This extensive background means Adele knows exactly what lenders look for and how to present cases effectively to achieve a swift mortgage offer.

Adele’s expertise has been recognised across the financial sector. She was headhunted to help launch a new mortgage lender and has held pivotal roles in Business Development and Arrears Counselling. With over 13 years as a qualified mortgage adviser, Adele continues to advise clients while proudly leading her award-winning mortgage brokerage, established in 2019.

As a respected voice in the industry, Adele frequently contributes to national mortgage discussions, debates, and publications, including Mortgage Strategy and Mortgage Introducer. She was also a VIP speaker at the Financial Times Adviser Forum 2023, discussing The Future of Buy-to-Let Mortgages.

Beyond her professional life, Adele is passionate about charity work. She actively supports The Prince of Wales Hospice, completing a skydive in 2022, raising £2,520, and an abseil down Wakefield Cathedral in 2025, raising £1,039. Adele is married to her husband Bruce and is a proud mum to their son, Fraser.

"},{"photo":"https://storage.eyupwebsites.co.uk/6rw1573ck1-Baby-Art-Studio-West-Yorkshire-25.jpg","name":"Gina Buckle","role":"Mortgage & Protection Adviser","short_bio":"Operations expert ensuring everything runs smoothly.","long_bio":"

Gina is one of the friendly and knowledgeable faces behind West Yorkshire Money, dedicated to ensuring every client enjoys a smooth and stress-free mortgage experience.

With over 10 years of banking experience, Gina joined West Yorkshire Money in 2021 as an Administrator. Her hard work and passion for helping clients quickly saw her promoted to Trainee Adviser and Paraplanner, before proudly achieving her full CeMAP qualification in January 2025.

Armed with a master’s degree in Town Planning, Gina’s exceptional organisational skills keep our busy team running efficiently while ensuring clients remain fully informed at every stage of their home-buying journey.

Gina’s dedication shines through both professionally and personally; she completed her CeMAP qualification while balancing life as a new mum to her daughter, Daisy. She particularly enjoys tackling complex mortgage cases, always approaching each challenge with enthusiasm, precision, and care.

"},{"photo":"https://storage.eyupwebsites.co.uk/h44xjqrwwdp-Baby-Art-Studio-West-Yorkshire-15.jpg","name":"Kayla","role":"Mortgage Administrator","short_bio":"Tech enthusiast building innovative solutions.","long_bio":"

Kayla is one of the friendly faces behind West Yorkshire Money, bringing enthusiasm, creativity, and a passion for excellent customer service to the team. New to the mortgage industry, Kayla previously thrived in fast-paced hospitality environments, where she honed her attention to detail and strong interpersonal skills.

Since joining West Yorkshire Money, she has helped enhance the client journey, ensuring every interaction is smooth, welcoming, and professional. Often the first point of contact for clients, Kayla plays a crucial role in setting the tone for the exceptional service that defines the team. She is ambitious and aspires to become a Mortgage Adviser through dedication and hard work. Outside of work, Kayla is a car enthusiast, often spending her free time modifying her beloved blue Mini.

"},{"photo":"https://storage.eyupwebsites.co.uk/tlzlc8gf4ap-IMG_E2503-scaled-e1741108514177-1388x1536.jpg","name":"Martin Fawcett","role":"Compliance Consultant","short_bio":"Dedicated to ensuring client satisfaction and success.","long_bio":"

Martin is an enthusiastic and highly motivated Compliance and Training professional with a strong foundation in sales training. In his consultancy role, he provides expert advice on all aspects of compliance and training within the firm.

With over 40 years of experience across all sectors of the financial services industry, Martin brings a comprehensive understanding of FCA regulations and Training & Competence (T&C) requirements.
He is known for his collaborative approach, working closely with staff, management, and advisers to identify their needs, provide clear and practical guidance, and deliver effective results.

"}]},"module_settings":{"status":"active","cloned":false}},{"module_key":"reviews","module_data":{"display_type":"custom","review_link":{"type":"external","external_url":"https://uk.trustpilot.com/review/wymoney.co.uk","external_target":"_blank"},"heading":"What Our Customers Say","subheading":"Feedback from our customers","background_color":"accent-1","card_background_color":"white","heading_color":"neutral-dark","subheading_color":"accent-3","accent_color":"neutral-mid","mobile_display":"horizontal","reviews":[{"id":"review-1","name":"V. Douglas","date":"2026-05-28","rating":5,"location":"West Yorkshire","review_text":"

I don’t normally go for flowery reviews but I must thank Adele from West Yorkshire Money Ltd for her sterling work in getting this mortgage through.
It was always a difficult case not helped by global events and changing lending criteria. However, Adele’s experience and knowledge of the market won the day and the mortgage went through.
Eternally grateful Adele, thank you.

","review_link":{"type":"external","external_url":"https://uk.trustpilot.comhttps://share.google/GteVWtqbWQAKmInT4/reviews/6849a0bf8838236ca05dc7c2","external_target":"_blank"},"review_title":"Sterling work!"},{"id":"review-2","name":"Dixon","date":"2025-06-03","rating":5,"location":"UK","review_text":"

Thank you Gina, I could kiss you right now, for all the work you have done for us you have gone above and beyond and been successful sorting this out for us!

You are the best!

","review_link":{"type":"external","external_url":"https://share.google/KQPHOHMrrmZJh19Sz","external_target":"_blank"},"review_title":"Thank you Gina"},{"id":"review-3","name":"Ben Carr","date":"2026-06-28","rating":5,"location":"South Yorkshire","review_text":"

Firstly, I would like to say thank you to Adele, Gina, and Kayla. They have been there when we have needed them and always happy to help, providing answers to our numerous questions throughout our mortgage application to finding us suitable health and life cover. Our case wasn't a straightforward one, and there were lots of bumps in the road, but with the help of West Yorkshire Money, we managed to get over the line on buying our first property. From finding us the best deal we could get on a mortgage to helping with solicitors and everything in between, they have been first-class all the way and I will be recommending them for any financial advice in the future.

","review_link":{"type":"external","external_url":"https://share.google/s2EKCY02QI2VAV860","external_target":"_blank"},"review_title":"First class all the way"},{"id":"review-4","name":"Sarah","date":"2020-12-10","rating":5,"location":"Leeds, UK","review_text":"

I chose Adele at West Yorkshire money as I read an amazing review on her work. Adele has worked so hard securing my mortgage deal, covid has thrown some problems our way but Adele has dealt with these quickly and has always kept me informed. She has literally done everything to make this as easy as possible by chasing people up endlessly to organising me like I've never been organised before! Great lady to deal with who has a friendly professional team working with her! Would recommend time and time again! Thankyou West Yorkshire money

","review_link":{"type":"external","external_url":"https://uk.trustpilot.com/reviews/5fd29e41755dc10b481eb0cf","external_target":"_blank"},"review_title":"Adele made it happen!"}],"source_type":"manual","external_platform":"google","platform_url":"","api_key":"","business_id":"","reviews_visible":4,"auto_scroll_interval":0,"show_navigation_dots":true,"show_navigation_arrows":true},"module_settings":{"status":"active","cloned":false}},{"module_key":"quote_block","module_data":{"style":"minimal","quote":"

Expert advice, tailored to you, so you get the right mortgage without the stress.

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Finance solutions for portfolio landlords available now.

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West Yorkshire Money understands that your privacy is important to you and that you care about how your personal data is used. We respect and value the privacy of everyone who visits this website, www.wymoney.co.uk “Our Site” and will only collect and use personal data in ways that are described here, and in a way that is consistent with our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of this Privacy Policy is deemed to occur upon your first use of Our Site. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

1. Definitions and Interpretation

In this Policy the following terms shall have the following meanings:

“Account” means an account required to access and/or use certain areas and features of Our Site;

“Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in Part 14, below; and

“Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;

2. Information About Us

Our Site is owned and operated by WEST YORKSHIRE MONEY LIMITED, a limited company registered in England under company number: 11776461

Registered address: Office 010 Upper Wortley Road, Leeds, England, LS12 4JG

Main trading address: Ropergate House, Ropergate Pontefract West Yorkshire, WF8 1JY

3. What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that we have no control over how your data is collected, stored, or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them.

4. What is Personal Data?

Personal data is defined by the General Data Protection Regulation (EU Regulation 2016/679) (the “GDPR”) as ‘any information relating to an identifiable person who can be directly or indirectly identified in particular by reference to an identifier’.

Personal data is, in simpler terms, any information about you that enables you to be identified. Personal data covers obvious information such as your name and contact details, but it also covers less obvious information such as identification numbers, electronic location data, and other online identifiers.

5. What Are My Rights?

Under the GDPR, you have the following rights, which we will always work to uphold:

a). The right to be informed about our collection and use of your personal data. This Privacy Policy should tell you everything you need to know, but you can always contact us me to find out more or to ask any questions using the details in Part 15.
b). The right to access the personal data we hold about you. Part 13 will tell you how to do this.
c). The right to have your personal data rectified if any of your personal data held by us is inaccurate or incomplete. Please contact us using the details in Part 15 to find out more.
d). The right to be forgotten, i.e. the right to ask us to delete or otherwise dispose of any of your personal data that we have. Please contact us using the details in Part 15 to find out more.
e). The right to restrict (i.e. prevent) the processing of your personal data.
f). The right to object to us using your personal data for a particular purpose or purposes.
g). The right to data portability. This means that, if you have provided personal data to us directly, we are using it with your consent or for the performance of a contract, and that data is processed using automated means, you can ask us for a copy of that personal data to re-use with another service or business in many cases.
h). Rights relating to automated decision-making and profiling. We do not use your personal data in this way.

For more information about our use of your personal data or exercising your rights as outlined above, please contact us using the details provided in Part 15.

Further information about your rights can also be obtained from the Information Commissioner’s Office or your local Citizens Advice Bureau.

If you have any cause for complaint about our use of your personal data, you have the right to lodge a complaint with the Information Commissioner’s Office.

6. What Data Do We Collect?

Depending upon your use of Our Site, we may collect some or all of the following personal and non-personal data (please also see Part 14 on our use of Cookies and similar technologies):

Title;
Name;
Email address;
Telephone number;
Your comments, messages and feedback
IP address;
Web browser type and version;
Operating system;
A list of URLs starting with a referring site, your activity on Site, and the site you exit to;

7. How Do You Use My Personal Data?

Under the GDPR, we must always have a lawful basis for using personal data. This may be because the data is necessary for our performance of a contract with you, because you have consented to our use of your personal data, or because it is in our legitimate business interests to use it. Your personal data may be used for the following purposes:

Providing and managing your Account;
Providing and managing your access to Our Site;
Personalising and tailoring your experience on Our Site;
Supplying our products and/or services to you. Your personal details are required in order for us to enter into a contract with you.
Personalising and tailoring our products and/or services for you.
Communicating with you. This may include responding to emails or calls from you.
Supplying you with information by email and/or post that you have opted-in to (you may unsubscribe or opt-out at any time by ticking the unsubscribe box on any correspondence we send you).
Analysing your use of Our Site and gathering feedback to enable us to continually improve Our Site and your user experience.

With your permission and/or where permitted by law, we may also use your personal data for marketing purposes, which may include contacting you by email and/or telephone and/or text message and/or post with information, news, and offers on our products and/or services. You will not be sent any unlawful marketing or spam. We will always work to fully protect your rights and comply with our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and you will always have the opportunity to opt-out.

Third Parties whose content appears on Our My Site may use third-party Cookies, as detailed below in Part 14. Please refer to Part 14 for more information on controlling cookies. Please note that we do not control the activities of such third parties, nor the data that they collect and use themselves, and we advise you to check the privacy policies of any such third parties.

8. How Long Will You Keep My Personal Data?

We will not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected.

9. How and Where Do You Store or Transfer My Personal Data?

We may store or transfer some or all of your personal data in countries that are not part of the European Economic Area (the “EEA” consists of all EU member states, plus Norway, Iceland, and Liechtenstein). These are known as “third countries” and may not have data protection laws that are as strong as those in the UK and/or the EEA. This means that we will take additional steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR as follows.

We share your data within the group of companies of which we are a part. Where this involves the transfer of personal data outside the EEA, our group ensures that personal data is protected by requiring all companies within the group to follow the same rules with respect to personal data usage. These are known as “binding corporate rules”. More information on binding corporate rules is available from the European Commission.

10. Do You Share My Personal Data?

We may share your personal data with other companies in our group. This includes subsidiaries and or our holding company and its subsidiaries.

We may sometimes contract with the following third parties to supply certain products and/or services. These may include payment processing, delivery, and marketing. In some cases, those third parties may require access to some or all of your personal data that we hold.

Lambert Print & Design Ltd, Burlees House, Hebden Bridge, HX7 7DD for the purposes of marketing, and website management.

If any of your personal data is required by a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law, as described above in Part 9.

If any personal data is transferred outside of the EEA, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the GDPR, as explained above in Part 9.

In some limited circumstances, we may be legally required to share certain personal data, which might include yours, if we are involved in legal proceedings or complying with legal obligations, a court order, or the instructions of a government authority.

11. How Can I Control My Personal Data?

11.1. In addition to your rights under the GDPR, set out in Part 5, when you submit personal data via Our Site, you may be given options to restrict our use of your personal data. In particular, we aim to give you strong controls on our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from us which you may do by unsubscribing using the links provided in our emails and at the point of providing your details.
11.2. You may also wish to sign up to one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

12. Can I Withhold Information?

You may access certain areas of Our Site without providing any personal data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.

You may restrict our use of Cookies. For more information, see Part 14.

13. How Can I Access My Personal Data?

If you want to know what personal data we have about you, you can ask us for details of that personal data and for a copy of it (where any such personal data is held). This is known as a “subject access request”.

All subject access requests should be made in writing and sent to the email or postal addresses shown in Part 15. To make this as easy as possible for you, a Subject Access Request Form is available for you to use. You do not have to use this form, but it is the easiest way to tell us everything we need to know to respond to your request as quickly as possible.

There is not normally any charge for a subject access request. If your request is ‘manifestly unfounded or excessive’ (for example, if you make repetitive requests) a fee may be charged to cover our administrative costs in responding.

We will respond to your subject access request within four weeks and, in any case, not more than one month of receiving it. Normally, we aim to provide a complete response, including a copy of your personal data within that time. In some cases, however, particularly if your request is more complex, more time may be required up to a maximum of three months from the date we receive your request. You will be kept fully informed of our progress.

14. How Do You Use Cookies?

Our Site may place and access certain first-party Cookies on your computer or device. First-party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve our products and services. By using Our Site you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than us. Third-party Cookies are used on Our Site to help speed up loading of pages in the site. In addition, Our Site uses analytics services provided by Google Analytics, which also use Cookies. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling us to better understand how people use Our Site. You can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies, but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device. You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings. It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
This website uses cookies. We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services.
Cookies are small text files that can be used by websites to make a user's experience more efficient.

The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission.

This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages.

You can at any time change or withdraw your consent from the Cookie Declaration on our website.

Learn more about who we are, how you can contact us and how we process personal data in our Privacy Policy.

Please state your consent ID and date when you contact us regarding your consent.
Your consent applies to the following domains: wy-money.co.uk

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West Yorkshire Money

Mortgages by Seasoned Experts for Real-World Challenges

Your Mortgage Begins Here