Step by Step Mortgages

Step by Step Mortgages Mortgage & Insurance Specialist a step in the right direction with Mags James We are Mortgage & Insurance Specialists.

We hold everyone`s hand from start/negotiating on a property to finish/collecting the keys, we totally adore our job.

12/05/2026

Morning all
What are the best recruitment agencies for warehouse jobs around here so I can pass to my 18 yr old son ?
Thanks in advance 🙏🙏

Missed a few payments during COVID? Had a CCJ from years ago? Defaulted on a credit card when times were tough? Maybe yo...
12/02/2026

Missed a few payments during COVID? Had a CCJ from years ago? Defaulted on a credit card when times were tough? Maybe you went through bankruptcy or an IVA?

At Step by Step Mortgages, we specialize in adverse credit cases. That's not just a side service – it's a core part of what we do. We work with lenders who understand that past financial challenges don't define your future reliability.

Your past made you stronger. Let's make your future include homeownership.
📞 Call Mags: 07779 024483
🌐 stepbystepmortgages.com

Property investment can build serious wealth – but only if you approach it strategically. Too many first-time landlords ...
10/02/2026

Property investment can build serious wealth – but only if you approach it strategically. Too many first-time landlords dive in without understanding the full picture and end up stressed, broke, or both.

Let's talk about what makes a successful buy-to-let investment (and what doesn't).

The numbers that matter:
📊 Rental Yield – Your annual rental income vs. property value. Aim for 5%+ in most markets.
💰 Cash Flow – After mortgage, maintenance, insurance, and vacancy periods – are you still profitable?
🏦 Deposit Requirements – Expect to put down 25-40% for buy-to-let mortgages.
📈 Long-term Growth – Capital appreciation matters as much as monthly rent.

Common mistakes we see:
❌ Buying in an area YOU like rather than where tenants want to live
❌ Underestimating costs (maintenance, void periods, management fees)
❌ Not understanding tax implications
❌ Choosing the wrong mortgage product
❌ Failing to plan for tenant turnover

How Step by Step Mortgages helps: We don't just find you a mortgage – we help you evaluate whether a property makes financial sense. We calculate realistic returns, recommend suitable lender products, explain tax considerations (though we're not tax advisors!), and keep you informed throughout the process.

Ready to explore property investment?
📞 07779 024483
🌐 stepbystepmortgages.com

Being your own boss is amazing – flexible schedule, unlimited earning potential, building something that's truly yours. ...
08/02/2026

Being your own boss is amazing – flexible schedule, unlimited earning potential, building something that's truly yours. But when it comes to getting a mortgage? Suddenly banks treat you like a mystery they can't solve.

We get it. And more importantly, we specialize in it.

At Step by Step Mortgages, we've helped countless self-employed individuals, freelancers, and business owners secure mortgages when traditional lenders said "it's too complicated."

Your business deserves recognition. Your mortgage shouldn't be harder because you chose entrepreneurship.
📞 Call us: 07779 024483
🌐 stepbystepmortgages.com

HERE'S WHAT THE FIRST-TIME BUYER JOURNEY ACTUALLY LOOKS LIKE:1. Initial Consultation 💭We chat about your situation, your...
05/02/2026

HERE'S WHAT THE FIRST-TIME BUYER JOURNEY ACTUALLY LOOKS LIKE:

1. Initial Consultation 💭
We chat about your situation, your budget, and your dreams. No pressure, just conversation.

2. Mortgage Agreement in Principle 📋
This shows sellers you're a serious buyer and gives you a clear budget.

3. House Hunting 🔍
Now the fun part! You know what you can afford, and we're here if questions come up.

4. Full Mortgage Application 📄
Found "the one"? We handle the paperwork and liaise with lenders on your behalf.

5. Weekly Updates 📞
You'll never wonder what's happening. We keep you informed every step of the way.

6. Completion 🎉
Keys in hand. Dream achieved. Happy dance commenced.

Mags James founded Step by Step Mortgages after watching too many first-time buyers struggle through an unnecessarily stressful process. She knew there was a better way – a more human way. And that's exactly what we deliver.

Your first home is waiting. Let's make it happen.

Your home may be repossessed if you do not pay your mortgage payments.

📞 Call us: 07779 024483
🌐 Learn more: stepbystepmortgages.com
📧 Get in touch and let's start your journey

Here's what our clients consistently say about working with us:💬 "The frequent updates received by us were very useful.....
03/02/2026

Here's what our clients consistently say about working with us:
💬 "The frequent updates received by us were very useful... Excellent service." – Emma T.
💬 "Very professional service... througher, efficient, quick and I would 100% recommend." – Elsa A.
💬 "I really don't know what else to say other than a massive Thank You – was brilliant from start to finish." – Helen B.

Whether you're a first-time buyer feeling overwhelmed, self-employed and worried about qualification, or looking to remortgage for a better deal – we're the broker who will genuinely care about your success.

Ready to experience mortgage advice that feels... well, human?

📞 07779 024483
🌐 stepbystepmortgages.com

Your home may be repossessed if you do not pay your mortgage payments.

Welcome to February! 🏡💙 A fresh month, fresh possibilities, and maybe... fresh keys to your dream home?February is often...
01/02/2026

Welcome to February! 🏡💙 A fresh month, fresh possibilities, and maybe... fresh keys to your dream home?
February is often seen as the month of love, but here at Step by Step Mortgages, we believe there's nothing quite like the love you feel when you finally get the keys to a place that's truly YOURS. Whether it's your first home, your next home, or an investment property – that feeling of "I did it!" is absolutely unbeatable.

Your home may be repossessed if you do not pay your mortgage payments.

📞 Call us: 07779 024483
🌐 stepbystepmortgages.com
📍 Leeds & surrounding areas

The reviews just keep getting better ❤️ job satisfaction
30/01/2026

The reviews just keep getting better ❤️ job satisfaction

Don't just default to a Standard Variable Rate! Even a small change in your interest rate can make a huge difference to ...
28/01/2026

Don't just default to a Standard Variable Rate! Even a small change in your interest rate can make a huge difference to your monthly budget. At Step by Step Mortgages, we scan the market to find the most suitable options for your specific needs, taking the stress out of the paperwork.

Take the next step toward a better deal today.

👉 Visit us at: stepbystepmortgages.com

Your home may be repossessed if you do not pay your mortgage payments.

At Step by Step Mortgages, we believe the clue is in our name. We strip away the jargon and guide you through the entire...
26/01/2026

At Step by Step Mortgages, we believe the clue is in our name. We strip away the jargon and guide you through the entire process—from that first "can I afford this?" moment to the day you pick up your keys.

Why do it alone when you can have an expert in your corner? Let’s find the right path for your property journey together.

🔗 Start your journey here: stepbystepmortgages.com

Your home may be repossessed if you do not pay your mortgage payments.

Address

Richmond House Lawnswood Business Park Leeds
Leeds
LS166QY

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm
Saturday 9am - 5pm

Telephone

+447779024483

Website

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