- info@mmshull.co.uk
- 01482 841123
Address
54 Varley Rd
Slaithwaite
Huddersfield
HD7 5HL
Phone
01482 841123
Please note, meetings are by appointment only.
Working Hours
| Monday | 8.30am - 5.30pm |
| Tuesday | 8.30am - 5.30pm |
| Wednesday | 8.30am - 5.30pm |
| Thursday | 8.30am - 5.30pm |
| Friday | 8.30am - 5.30pm |
| Saturday | Closed |
| Sunday | Closed |
Location
Mike joined Millennium Mortgages in 2020 and has over five years of experience helping people find the right mortgage and protection solutions. He’s listed on the Financial Conduct Authority (FCA) website.
Friendly, down-to-earth, and always focused on what’s best for the client, Mike specialises in supporting first-time buyers, home movers, and remortgaging clients – guiding them through each step of the process with clarity and care.
Alongside helping everyday buyers, Mike is also experienced in more complex cases, including mortgages for landlords, limited companies, and bridging finance. Whatever the scenario, his advice is always jargon-free, transparent, and tailored to each client’s individual goals.
He’s also passionate about helping families feel financially secure, offering straightforward advice on life insurance, critical illness cover, and income protection that fits around real-life needs.
Outside of work, Mike is usually exploring the countryside with his Hungarian Vizsla, Scout – or indulging his (slightly unhealthy) obsession with all things Swedish, from log cabins to cinnamon buns.
Whether you’re taking your first step onto the property ladder or need help with a more specialist mortgage, Mike’s here to offer expert advice that’s personal, practical, and easy to understand.
Huddersfield’s property market offers strong value compared with many West Yorkshire towns, with an average house price of £212,000 according to the Land Registry. This makes it popular with first-time buyers and buy-to-let investors.
Areas such as Fixby, Slaithwaite and Almondbury are particularly popular with buyers seeking good local schools and commuter access to Leeds and Manchester.
We provide mortgage advice across Huddersfield and nearby areas, including Denby Dale, Slaithwaite, Honley, Holmfirth, Birkby and Brighouse.
Using a mortgage broker who understands the local area and the types of properties within it can make a significant difference.
Speaking with a mortgage broker as early in the process as possible is always recommended. A 15-minute “First Steps” phone call is required as an informal chat to discuss what you’re looking to do and book a more in-depth session.
The more in-depth session will include a comprehensive affordability assessment, taking into account your employment situation, credit commitments, and any other factors relevant to lenders.
Following this, we’ll recommend a suitable mortgage provider and product from across the market, tailored to your circumstances. Once you’re happy to proceed, we’ll submit the application on your behalf and liaise with the lender through to completion, keeping you updated every step of the way.
The average house price in Huddersfield, according to the Land Registry, is £212,000. Many lenders offer products that require only a 5% deposit, amounting to £10,600. However, some lenders also offer mortgages requiring only a £5,000 deposit. Of course, there are other options to assist with a deposit, such as a gift from a family member or even a secured charge against a family member’s property.
The average household income for joint earners in Huddersfield is between £60,000 and £65,000, according to ONS data. In a typical scenario with a high-street lender, a maximum mortgage of around £300,000 could be available. However, a mortgage lender will do a full affordability assessment to determine how much you can borrow, factoring in all credit commitments and monthly expenditure.
Millennium Mortgages is a firm with a location in Slaithwaite, but services the local Huddersfield market and beyond. The typical fee for mortgage advice is £399, but this is subject to the complexity of the application.
According to ONS data, around 21,000 people are self-employed in the Huddersfield and Kirklees area. Almost all lenders in the market will accept some form of self-employed income, provided it can be evidenced according to specific criteria.
Millennium Mortgages provides professional mortgage advice across several locations in Yorkshire and the Humber. If you’re looking for a mortgage broker outside Huddersfield, you can also speak with advisers in:
• Hull
• Wakefield
• Halifax
• Beverley
Our advisers help first-time buyers, home movers and landlords compare mortgage deals from lenders across the UK and guide clients through the full application process.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
We will charge a fee for our advice service which will depend on what mortgage you need, your financial circumstances, and the complexity of what you want. The amount of fee will be between £0 and £999. Our typical fee is £399. You need to pay the fee when you get your offer. Any fee paid is non-refundable. We will also be paid a procuration fee by the lender. You will be told how much this is when we give you the mortgage illustration. You can ask in advance the percentage (of the loan) each lender will pay us. If an application is submitted via a third party specialist (sometimes called a packager) we will be paid commission by them instead of the lender. This will be disclosed to you.
![Millennium Mortgages [logo]](https://mmshull.co.uk/wp-content/uploads/2024/01/millennium-mortgages-logo-300x154.png){kind=logo}
Millennium Mortgages Limited is an appointed representative of PRIMIS Mortgage Network, a trading Name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore applies to consumers based in the UK.
Registered in England & Wales No.6865015
