Nissim Malca Yule Mortgages

Nissim Malca Yule Mortgages Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. There may be a fee for mortgage advice.

The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be between £199 & £499

The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted

at consumers based in the UK. Yule Mortgages, a trading style of Yule Mortgages Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Yule Mortgages Ltd are registered in England and Wales Registered No: 16035612. Registered Office: 11 Sun Street, Stanningley, Pudsey, England, LS28 6DJ

One thing I’ve learned in the mortgage world is that patience is important.Sometimes a case moves quickly, sometimes it ...
26/03/2026

One thing I’ve learned in the mortgage world is that patience is important.
Sometimes a case moves quickly, sometimes it takes a bit longer because of lenders, documents, or solicitors.
But when everything comes together in the end, it’s always worth the effort.

🏡 Right to Buy – something many tenants don’t realiseIf you have been living in a council property for several years, yo...
25/03/2026

🏡 Right to Buy – something many tenants don’t realise
If you have been living in a council property for several years, you may have the right to purchase it at a discounted price through the Right to Buy scheme.
Depending on how long you’ve been a tenant, the discount can sometimes be significant.
For some buyers, that discount can even be used towards the deposit when applying for a mortgage.
Understanding how the scheme works can make a big difference when planning the move from renting to owning.

🏘️ Something many first-time buyers don’t realiseThe mortgage is only one part of buying a home.Other costs can include:...
24/03/2026

🏘️ Something many first-time buyers don’t realise
The mortgage is only one part of buying a home.
Other costs can include:
• solicitor fees
• surveys
• moving costs
• potential stamp duty depending on the purchase price
Planning for the full picture helps avoid surprises later in the process.

🏡 Things that can affect a mortgage application (that many people don’t realise)• Missing/late payment• Taking new credi...
23/03/2026

🏡 Things that can affect a mortgage application (that many people don’t realise)
• Missing/late payment
• Taking new credit shortly before applying
• Using most of your credit card limit
• Changing jobs at the wrong time
• Applying with the wrong lender
Small details can make a big difference when lenders assess applications.
Understanding these things early can save a lot of time and stress later on.

🏡 Things that can affect a mortgage application (that many people don’t realise)• Missing a phone bill• Taking new credi...
20/03/2026

🏡 Things that can affect a mortgage application (that many people don’t realise)
• Missing a phone bill
• Taking new credit shortly before applying
• Using most of your credit card limit
• Changing jobs at the wrong time
• Applying with the wrong lender
Small details can make a big difference when lenders assess applications.
Understanding these things early can save a lot of time and stress later on.

Another mortgage offer secured 🏡Every case is different, and it’s always a great feeling getting a positive outcome for ...
19/03/2026

Another mortgage offer secured 🏡

Every case is different, and it’s always a great feeling getting a positive outcome for a client after working through the options and finding the right lender.

One step closer to completion and getting the keys 🔑

Tracker mortgages move in line with an external interest rate, which means payments can change over time depending on ma...
19/03/2026

Tracker mortgages move in line with an external interest rate, which means payments can change over time depending on market conditions.
Some borrowers prefer tracker products because they may offer flexibility, particularly when early repayment charges are not applied or are limited.
However, it’s important to understand that if interest rates rise, monthly payments will also increase.
Understanding the risks and benefits is essential when considering this type of mortgage.

A lot of people assume mortgage brokers only work during normal office hours.The reality is that many conversations happ...
18/03/2026

A lot of people assume mortgage brokers only work during normal office hours.
The reality is that many conversations happen in the evenings after people finish work, once kids are in bed, or on weekends.
Buying a home is a big decision, and people often want to talk about it when they actually have the time to think.

🏘️ Portfolio landlords are assessed very differently from standard buy to let borrowers. Lenders often review the entire...
17/03/2026

🏘️ Portfolio landlords are assessed very differently from standard buy to let borrowers. Lenders often review the entire portfolio, rental income, property values, and overall borrowing levels when considering an application.
Because of this, structuring finance across multiple properties becomes increasingly important as a portfolio grows.
Having the right lending structure in place can make it easier to manage and expand a property portfolio over time.

💰 Deposits can come from different sources including:• savings• gifted deposits• property sales• trust fundsEach lender ...
16/03/2026

💰 Deposits can come from different sources including:
• savings
• gifted deposits
• property sales
• trust funds
Each lender has its own requirements for verifying the source.

🏠 A common Right to Buy question“Do I need a deposit to buy my council house?”In many cases, lenders may allow the Right...
15/03/2026

🏠 A common Right to Buy question
“Do I need a deposit to buy my council house?”
In many cases, lenders may allow the Right to Buy discount to act as the deposit, depending on the circumstances.
This means some tenants are able to purchase their homes without needing to save a traditional deposit.
Every situation is different, but many people are surprised at what may be possible.

Self employed mortgages can sometimes feel more complicated than they should be.But once you understand how lenders look...
15/03/2026

Self employed mortgages can sometimes feel more complicated than they should be.
But once you understand how lenders look at income, accounts, and affordability, it becomes much clearer what options are available.
Every situation is different, which is why taking the time to understand the details really matters.

Address

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Leeds
LS178XA

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

Telephone

+447985771176

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