Trusted Mortgage Broker in Leeds, West Yorkshire – Mandy Ojla

Leeds is one of the many areas where Mandy Ojla provides expert mortgage services. Based in West Yorkshire, Mandy offers tailored advice on residential, commercial, and semi-commercial mortgages. Clients also rely on her for buy-to-let, HMO, bridging finance, limited company mortgages, protection, and general insurance.

Residential, Commercial, and Semi-Commercial Mortgages

If you’re purchasing a new home or investing in business property in Leeds, Mandy ensures each mortgage fits UK lending requirements. Whether you’re applying as a first-time buyer or expanding your portfolio, every recommendation is backed by lender-approved criteria.

Semi-commercial mortgages—such as properties with a shop and a flat above—need extra care. Mandy works closely with underwriters to make sure your application stands up to scrutiny and meets all lender checks.

Buy-to-Let and HMO Mortgages

Buy-to-let applications in Leeds come with stricter affordability and rental yield assessments. For HMOs, licensing and property standards can affect approval. Mandy helps ensure the property fits both lender and council guidelines, reducing risk for you as a landlord.

Expect guidance on:

✔ Rental income projections
✔ EPC requirements
✔ Stress testing thresholds
✔ HMO licensing compliance

Bridging Finance – Fast and Focused Lending

Mandy has particular expertise in bridging finance, helping clients secure short-term loans for auction buys, chain breaks, or fast completions in Leeds and surrounding towns.

She assists with:

✔ Day-one valuations
✔ Exit strategies (refinance or sale)
✔ First or second-charge bridging options
✔ Property refurbishments and conversions

Bridging lenders require clear plans and timelines. Mandy ensures all details are in order before submission.

Limited Company Mortgages

Many investors now use limited companies to buy property. Lenders assess these differently, using director guarantees and business accounts. Mandy works with both national and niche lenders to find options tailored to this structure.

Expect guidance on:

✔ SPV requirements
✔ Company tax and income implications
✔ Personal guarantees and director profiles

Protection and General Insurance

Mortgages often need more than just approval. Mandy offers tailored insurance plans across:

✔ Life cover
✔ Critical illness
✔ Income protection
✔ Buildings and contents insurance

Cover is based on real-life risks and lender expectations, helping you keep your property and finances secure.

Where Else Does Mandy Work?

In addition to Leeds, Mandy also serves:

✔ Bradford ✔ Wakefield ✔ Huddersfield ✔ Halifax ✔ Pontefract ✔ Castleford

These nearby towns often share similar housing trends, lender criteria, and demand patterns. Clients in each location receive mortgage advice tailored to their local market.

Why Choose Mandy Ojla in Leeds, West Yorkshire?

✔ FCA-regulated advice based on UK standards
✔ Specialises in complex mortgages such as bridging and HMOs
✔ Based in West Yorkshire, with local property knowledge
✔ Committed to clear communication and no jargon
✔ Helps with end-to-end application support

Let’s Talk Mortgages

If you live in Leeds or one of the nearby West Yorkshire towns and want help securing the right mortgage, contact Mandy Ojla today. From your first chat to final paperwork, she’ll guide you with confidence, clarity, and care.