What services does YFA provide?
YFA is a specialist mortgage broker and insurance provider offering a comprehensive range of services including residential mortgages, buy-to-let mortgages, HMO mortgages, commercial mortgages, bridging loans, developer finance, remortgaging, equity release, and various insurance products including life insurance, critical illness cover, and income protection.
Do you charge fees for your services?
Our mortgage advice is typically free to you as we receive commission from lenders. However, for specialist products like bridging loans, commercial mortgages, or complex cases, we may charge a broker fee. We’ll always be transparent about any fees upfront before proceeding.
How long does the mortgage application process take?
Typical residential mortgages take 4-8 weeks from application to completion. However, this can vary depending on the complexity of your case, the lender, and whether you’re buying or remortgaging. Bridging loans can often complete in 1-2 weeks.
What is the difference between remortgaging and a product transfer?
A remortgage involves switching to a new lender with a full application process. A product transfer means staying with your current lender but switching to a new rate. We can advise which option offers better value based on your circumstances.
Can you help with mortgages if I'm self-employed?
Absolutely. We have access to specialist lenders who understand self-employed income. We can help with various documentation approaches including SA302s, certified accounts, or bank statement mortgages depending on your situation.
What documents will I need for a mortgage application?
Typically you’ll need proof of income (payslips/accounts), bank statements, proof of deposit, ID documents, and details of your outgoings. We’ll provide a full checklist based on your specific circumstances.
Can you help if I've been declined by my bank?
Yes, high street banks represent only a fraction of the mortgage market. We have access to over 100 lenders including specialists who may accept applications that traditional lenders decline.
How do you choose the right lender for me?
We assess your individual circumstances, requirements, and preferences, then search our panel of lenders to find the most suitable products. We consider rates, fees, criteria, and service levels.
Are you regulated?
Yes, YFA is authorised and regulated by the Financial Conduct Authority (FCA). We follow strict regulatory standards and our advisers hold relevant qualifications including CeMAP (Certificate in Mortgage Advice & Practice).