Mortgages and Insurance

We offer a variety of mortgage products and Services to suite every need

First Time Buyer
Moving Home
Buy to Let
Later Life Lending

Buying your first home

Taking your first step on the housing ladder can be quite daunting. We cut through the industry jargon of the banks, building societies and insurance companies to guide you through every step of the process to purchasing your first home.

Whether it’s a standard purchase, family guarantor mortgage, shared equity or right to buy, after we have fully explained the process, assessed your needs and circumstances, we will help find the most suitable mortgage product for you.

Navigating your next move

They say moving home is one of the most stressful things you can do. So we do all we can to at least make the process of getting a mortgage on your new home as simple and stress-free as possible. If, like most home movers, you’re moving to a larger property, it is likely you will need to increase the size of your loan, so it’s crucial that you get the right mortgage advice.

Typically you’ll need to have at least 5% to 10% of the purchase price to put down as a deposit on your new home, which you’ll hopefully be able to raise through the sale of your existing property. And, even if you don’t need to borrow any more, we will always source the mortgage best suited to your new circumstances.

Unlocking better terms

Remortgaging is when you take out a different mortgage on a property you already own. It may be that your current mortgage deal is coming to an end and you want to find a better rate or more suitable product. Or you might remortgage to fund some improvements to your home.

Alternatively, you may be looking to consolidate some existing debt with a debt consolidation remortgage; essentially taking out a mortgage that is large enough to pay off an existing mortgage whilst also covering some or all existing debts. Whether you’re looking to get a better deal on your mortgage or access some of the equity you have built up, we can help.

At Westfield we have access to hundreds of mortgage products from across the market, including some that aren’t available through the high street lenders.

From Buyer to Landlord

Whether you are an experienced landlord with a large portfolio of properties or buying your first investment property, we can advise and assist you in finding the most suitable mortgage for your investment.

If you are an experienced landlord and wish to increase your property portfolio why not give us a call to see if we can help. We have many years’ hands-on experience in this sector and can help landlords to acquire lending on all kinds of properties. However, if you’re not familiar with how a Buy-To-Let mortgage works we’re happy to spend time helping you to understand, jargon-free.

Post Pension Options

With people now generally living longer, it’s increasingly common to consider mortgages that extend beyond the state pension age. Fortunately, this doesn’t always necessitate an equity release. There are appealing alternatives to consider, such as leveraging your expected pension income to support a longer mortgage repayment period, potentially up to age 80. Additionally, retirement interest-only options offer the flexibility of indefinite terms until the property is vacated. These choices can provide the comfort of remaining in your home for the long term, avoiding the complexities and potential drawbacks of equity release, which might reduce the property’s equity and affect the inheritance for your heirs.

For inquiries related to equity release mortgages, we collaborate with Lakeside Wealth Management, our trusted commercial partners. Their expertise in this area ensures you receive tailored advice and guidance on the most suitable options for your unique situation, regardless of your age or proximity to retirement.

Equity Release

Equity release offers homeowners the opportunity to access the wealth tied up in their property without selling it. Whether you’re looking to fund your retirement, aid family members, or embark on a grand adventure, equity release can provide the financial boost you need. This flexible solution allows you to retain your home while benefitting from its value.

Equity in your property is the value of your home minus any amount you still owe on your mortgage. When you release some of this equity, you receive a cash lump sum in the form of a loan.

Equity release mortgages are primarily suited to older homeowners and retired people and the amount you can borrow depends on your age and the value of your home.


Home Insurance

We are able to offer you help and advice on a range of home insurance products and find the most suitable cover for your individual circumstances. Whether you are looking for home insurance, contents insurance or both, we can help, giving you peace of mind that your home and possessions are covered should the worst happen.

Personal Protection

Pensions & Investments

Corporate Financial Planning

Need some advice? Call Today

Gomersal Office

Skipton Office