Harrogate, known for its stunning Victorian architecture and beautiful gardens, is a sought-after location for homebuyers. At Sett Mortgages, we specialise in providing tailored mortgage advice to help you secure your ideal property in Harrogate, ensuring you benefit from the best deals and expert guidance throughout the process.

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Sett Mortgages is your dependable mortgage broker in Harrogate, offering expert advice and tailored mortgage solutions.

Whether you’re purchasing your first home, considering remortgaging, or looking into buy-to-let opportunities, our team is here to support you throughout the process.

Our Harrogate mortgage brokers are dedicated to providing exceptional guidance and customised solutions to meet your unique needs.

Why choose Sett Mortgages in Harrogate?

At Sett Mortgages, we focus on the Harrogate property market.

As trusted independent mortgage advisors in Harrogate, we offer personalised advice and outstanding service to meet your unique needs.

Our fee-free mortgage broker service in Harrogate guarantees you the best deals with complete transparency and no hidden charges.

We are 100% free. No hidden fees.

At Sett Mortgages, we work with numerous lenders to secure the most competitive rates, ensuring full transparency. Our dedication to clear communication means no hidden fees or unexpected costs.

As your trusted mortgage broker in Harrogate, we offer personalised service to find the ideal mortgage solutions tailored to your specific needs.

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Personalised mortgage advice in Harrogate

We are dedicated to providing bespoke mortgage advice that caters to your unique requirements. Our knowledge helps you secure the best mortgages in Harrogate, tailored to your financial circumstances and property ambitions.

With a wide range of mortgage products, we guarantee access to the top options available.

First-time buyer mortgages in Harrogate

Remortgaging options in Harrogate


Find Out Answers Here

Here, we address frequently asked questions to help you understand our services as top mortgage advisors in Harrogate. Whether you’re looking for an independent mortgage consultant or considering different mortgage options, we’re here to support you throughout your mortgage journey.

We provide customised mortgage advice, working with various lenders to secure the most favourable rates and terms for you.

As your Harrogate mortgage broker, we ensure clear communication without hidden fees. Whether buying your first home, refinancing, or investing in buy-to-let properties, we guide you through every stage for a smooth and stress-free experience.

Opting for Sett Mortgages as your independent mortgage advisor in Harrogate ensures you receive expert guidance.

Our independence from any lenders allows us to explore numerous mortgage options, guaranteeing a customised solution that perfectly fits your needs.

We offer a wide a variety of mortgage options, including fixed-rate, variable-rate, and tracker mortgages.

Our expert advisors will help you navigate these options to find the one that best fits your financial situation and goals.

We operate in Harrogate 24/7. We are committed to providing flexible appointment times to accommodate your schedule, ensuring you get the mortgage advice you need at your convenience.

What our Harrogate clients say

Based on 120 reviews
Ella Mae
Ella Mae
Elliott helped us to secure a mortgage for our first home, and we will be going back to him when we remortgage! He has been great and is a brilliant communicator, you often won't have to wait more than 24 hours for a reply from him. He was really good at explaining the whole process and helping us to understand what different things meant as we went into the process quite confused about everything! Thank you Elliott and the team at Sett Mortgages! 😊
Roz Cresswell
Roz Cresswell
We were really pleased with Elliott's service throughout the buying process. As first time buyers we had little understanding of the process, and Elliott took the time to talk us through it and as well as finding us the best rate. I would highly recommend to anyone looking for a mortgage broker.
Matt Pollitt
Matt Pollitt
Elliott helped us through the process of applying for our first mortgage as first-time buyers and we were very happy with our experience. Elliott guided us through the entire process and made it a very stress free experience. He was always available to answer any queries we had and provided expert advice, allowing us to make the best choices with our mortgage. We would wholeheartedly recommend Elliott and Sett Mortgages to anyone and hope to use him again in the future. Thanks Elliott!
Nasro kovacs
Nasro kovacs
My experience with Elliott started 5years ago he helped me as a first time buyer ,and now with my remortgage,gave me a great advice,saved me time and money,he explained everything to me,he helped from the start to finish,he was incredibly helpful throughout the entire remortgage process,every time i asked him for something he was great with his answers,he answered my questions in a detailed manner . I would 100% recommend using his services. Elliott is a lovely person,kind and professional Thank you Elliott.
Fiona Bradley
Fiona Bradley
Sett came highly recommended after a friend had a nightmare trying to remortgage on her own and it was super easy, Elliott is fab and I mention him every time someone talks about buying or remortgaging. THANK YOU!
Laura Considine
Laura Considine
Elliott was excellent to work with for our first time buying. He was really clear and straightforward and responded quickly to any questions. He was always willing to speak with us if we had any queries.
Ewan Connell
Ewan Connell
Cannot recommend Elliot enough. Really helpful and actively involved throughout the whole process. Went above and beyond to help me with ID verification when he was under no obligation to do so. Also very helpful with the whole house buying process in general - a great 1-point contact for all questions :)
Elliott is great at what he does! He was incredibly helpful throughout the entire mortgage process. He was always available and efficient, making everything run smoothly. Highly recommend!
connor gill
connor gill
Elliot was absolutely fantastic. 5/5 Helpful at every stage and always on hand to answer every question. Could not recommend more. Will be going to Elliot with any future mortgage queries.
Chris Chapman
Chris Chapman
I used Elliott’s services for my first time buying a home, and the process was made much simpler by his knowledge and ease of communication. Any queries I had about changing products and the costs involved were quickly answered, and I have no doubt it the whole process was easier and faster because of his help. Definitely recommend

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