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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Harrogate

Ellis Bates IFA

Adam House, Ripon Way, Harrogate HG1 2AU, UK – 01423 520052

True professionalism is demonstrated as much by knowing when to send a client elsewhere as by giving good service. Jo Fisher, at Ellis Bates, is now top of my list of people to go to for financial advice and I thoroughly recommend her. And since her employer seems to endorse her approach to selling only when a sale is appropriate, I guess you will get similarly helpful service from others at Ellis Bates.

I have found Rob Simpson to be Simply Excellent. Extremely knowledgeable. Honest, warm hearted, and very focussed. He's passionate about getting the very best for his clients. Easy company to recommend

Andrews Wealth Management

7 Victoria Ave, Harrogate HG1 1EG, UK – 0845 641 2850

Dear sir or madam just good st James place wealth management business is we have been st James place wealth management business good few years and do very job investing are money from miss Victoria Jane twibell

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Harrogate.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.
Yorkshire Bank

21 James St, Harrogate HG1 1QU, UK – 0800 456 1247

Nice service, my advisor was Louise, she is very polite and kind. :)

Amazing

Lloyds Bank

8-11 Cambridge Cres, Harrogate HG1 1PQ, UK – 0345 300 0000

Friendly service, however the cheque deposit machine is a nightmare, and will not allow you to reference payments as at cashiers desk.

Halifax.

24 Oxford St, Harrogate HG1 1PU, UK – 01423 838817

Normally find this a really good bank to go into (especially compared to the Barclays branch in Harrogate which is hopeless). Unfortunately yesterday we had a long wait as there was only one person serving and quite a few people in front of us. Hopefully this was a one-off and is not going to become the norm.

Staff are always really welcoming and helpful

Banks

Barclays Bank

25 James St, Harrogate HG1 1QX, UK – 0345 734 5345

I called in with a query on my account on Saturday afternoon and was approached by a young gentleman asking if he could help! I was taken to a very pleasant cashier and was served straight away I had my ID checked and then the young man dealt with and resolved my query speedily and efficiently. Brilliant service. Thank you!

The bank looks very nice inside, the staff are very helpful and there is a good amount of cash machines to use if there is a line

Santander

1 Cambridge Rd, Harrogate HG1 1PB, UK – 0800 030 4321

Always a pleasant experience when you visit. The staff are very helpful and nothing seems to much for them.

Brittania

4 Prospect Cres, Harrogate HG1 1RH, UK – 01423 524418

Not open on Saturdays since December 2014.

Building Societies

Nationwide

1 Cambridge Cres, Harrogate HG1 1PE, UK – 0800 554 0818

Friendly service and detailed information provided

Skipton Building Society - Harrogate

12 Princes St, Harrogate HG1 1NH, UK – 01423 521919

Leeds Building Society

12 Oxford St, Harrogate HG1 1PU, UK – 01423 546510

Mortgage Brokers

Mortgage Advisory Network

6 Raglan St, Harrogate HG1 1LT, UK – 01423 526705

Karl is always on hand to give excellent advice and help. His knowledge of the market is superb and he can tailor it to individual needs. I regularly recommend Karl to my clients and they are never disappointed in the service they receive. Highly recommended

I cannot recommend James highly enough, he has the patience of a saint and has well and truly gone above and beyond for us in trying to ensure our transaction is as smooth as possible. Naturally we did our own research into which products were out there but very quickly realised that James had got us the best to suit us and we ought put our faith in him and let him get on with what he does best! Nothing has been too much trouble, not outwardly anyway, and we'll be back when we're ready to do it all again!

Newsource Commercial Finance

Southfield Business Centre, West Yorkshire, 1HB, Station Parade, Harrogate HG1 1EP, UK – 01423 704107

Specialists in BTL, HMO and Commercial Mortgages, Very helpful and transparent in their advice.

Bluefin Insurance Services Ltd.

Harrogate House, 33-35 Parliament St, Harrogate HG1 2RE, UK – 01423 724700

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Harrogate.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Harrogate that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.

Mortgages

William H Brown Estate Agents in Harrogate

4 Albert St, Harrogate HG1 1JL, UK – 01423 502282

Definitely lived up to expectations. I was selling my house and these guys were recommended to me - and I can see why. Professional and on the ball and very helpful - nothing was too much trouble. I was looked after by Louise and the manager Paul, but all the staff were ever friendly whenever I needed to pop in or call. I know they're part of a large chain, but this local branch gave service about and beyond and exceeded my expectations. So friendly too.

We used William H brown (Harrogate) for the sale of our property and numerous times for viewings of other properties, very professional and dedicated, and knowledgeable about each property we went to see, kept up informed with feedback from each viewing my property had, and very quick to answer any query I had. They have also been committed to post sale activities, chasing buyer and solicitor to speed the sale process up. Made the whole process much easier than expected. If we decide to move again, we will be using William H Brown. Special Thanks to Louise, Amy, Louis and Paul

NHS Mortgages

6 Raglan St, Yorks, Harrogate HG1 1LT, UK – 0800 804 4664

Mortgage Finance

60 Harlow Moor Dr, Harrogate HG2 0LE, UK – 0800 587 9066

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