West Yorkshire Money

Mortgages by Seasoned Experts for Real-World Challenges

Life doesn’t always fit the standard boxes. 28 years in the sector means our expertise helps people with unusual income, credit issues, and complex circumstances secure the mortgage they’ve been told they can’t get.

Your Mortgage Begins Here

Ready to get started?
Contact us for a free consultation with genuine experts.

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Self-Employed

Get a mortgage with only 1 year’s accounts. We know exactly how to present your case to lenders so it’s more likely to be approved.

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Zero Hour Contract

On a zero-hours contract? You may still be able to get a mortgage. We specialise in presenting your application in a way lenders understand.

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Bad Credit

Bad credit doesn’t mean you can’t get a mortgage. What matters is how your application is presented and which lenders we approach.

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100% Mortgages

Looking for a 100% mortgage? While they’re not available from every lender, we can secure a no-deposit mortgage in the right circumstances.

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Day Rate Contractor

Day-rate contractor mortgages made simple. We present your case clearly to help improve approval prospects.

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We are specialist mortgage advisors


At West Yorkshire Money, we make finding the right Independent Mortgage Advice simple, stress-free, and tailored to you. With access to the Whole of Market, we search for the best deal for your circumstances, not what suits a lender. 

From first-time buyers to home movers, landlords, and complex cases, we take care of the hard work so you don’t have to. You’ll get clear advice, honest guidance, and support at every step. 

With flexible appointments and a friendly, face-to-face service, including from our Pontefract office, we’re here when and where you need us. 

Straight-talking advice. Better mortgage outcomes. Real peace of mind. 

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Unconventional income source?

We've got the experience and knowledge to get your approved.

Whether you are self-employed, have bad credit, a zero hours contract or are looking for a 100% mortgage, we can get you approved.

Our Approach

Simple Smart Advice

We believe that you, the client, deserve independent, whole of market advice without it costing the earth.

At the same time our remit is to act in your best interest at all times to ensure that you could the correct advice that your circumstances deserve. This all comes with a compassionate , understanding and friendly face to face approach. We can see you at a time and place that is convenient at home , work or our brand new office in the heart of Pontefract.

We pride ourselves on being able to cater for all enquiries whether that be residential purchases and re-mortgages through to complex scenarios, commercial lending , buy to lets and anything else in between. 

We support clients across the UK, from Scotland to Wales, with the same high standard of service wherever you're based.
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Award Winning
28 Years Experience

 
Top 100 Rated Mortgage Adviser  (2020–2026) • The Times & The Telegraph 
Best Entrant Broker Nominee (2019) • Mortgage Introducer Awards
Finalist: Mortgage Broker of the Year (2021-2022) • Yorkshire Financial Awards
Mortgage Brokerage Firm Winner (2021–2025) •  Yorkshire Prestige Awards
Mortgage Brokerage of the Year (2023) • Northern Enterprise Awards
Financial Services Client Care Excellence (2023) •  Northern Enterprise Awards
Mortgage Brokerage of the Year (2023) • Northern Enterprise Awards
VIP Speaker: Financial Times Forum (2023) • The Future of BTL
Judge (2025) •  Wakefield Business Awards 

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Supporting Local Heroes

Discounted advice for NHS and Teachers now available!


At West Yorkshire Money, we recognise the incredible commitment of our local NHS staff and teachers. To say thank you for the work you do, we are proud to offer a special discount on our professional mortgage advice fees exclusively for healthcare and education workers.

We understand that your payslips can be complex - with overtime, unsocial hours and TLR payments. Our expert team specialises in finding lenders who understand your income. Whether you’re a First-Time buyer or looking to remortgage, our discounted advice service ensures you get the best market rates without paying the full standard fee. It’s our way of helping those who help our community everyday!

Your home may be repossessed if you do not keep up payments on your mortgage or any loans secured on it.

What do we offer?

We've got experience in many different areas, from shared ownership, to self-employed and more.

Our Specialist Service

Discover what makes us unique.

Direct Access

We have direct permissions to arrange mortgages, which means there is one less approval layer between you and your lender. Fewer handovers and less paperwork can help make the process faster, clearer and more reliable, while still meeting all FCA requirements for regulated advice. 
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Meet Our Team

Get to know the people behind our success. Select a profile to learn more.

Adele Forbes

Adele Forbes

Managing Director

With over 28 years of experience in the mortgage industry, Adele brings unparalleled knowledge and insight to every client she supports. Her career has spanned multiple high-level positions — including Senior Mandated Mortgage Underwriter, authorised to lend up to £1 million across five major UK mortgage lenders. This extensive background means Adele knows exactly what lenders look for and how to present cases effectively to achieve a swift mortgage offer.

Adele’s expertise has been recognised across the financial sector. She was headhunted to help launch a new mortgage lender and has held pivotal roles in Business Development and Arrears Counselling. With over 13 years as a qualified mortgage adviser, Adele continues to advise clients while proudly leading her award-winning mortgage brokerage, established in 2019.

As a respected voice in the industry, Adele frequently contributes to national mortgage discussions, debates, and publications, including Mortgage Strategy and Mortgage Introducer. She was also a VIP speaker at the Financial Times Adviser Forum 2023, discussing The Future of Buy-to-Let Mortgages.

Beyond her professional life, Adele is passionate about charity work. She actively supports The Prince of Wales Hospice, completing a skydive in 2022, raising £2,520, and an abseil down Wakefield Cathedral in 2025, raising £1,039. Adele is married to her husband Bruce and is a proud mum to their son, Fraser. 
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What Our Customers Say

Feedback from our customers

Adele was absolutely brilliant from start to finish — I honestly can’t recommend her enough.
She was always easy to get hold of, and quick to reply which meant I didn’t have to worry about anything.

Everything was explained clearly and I was given good advice which made the whole process so much easier.

I was also kept in the loop the whole time and felt really supported throughout.

If you’re after someone who’s professional but also down-to-earth and easy to talk to, West Yorkshire Money is the place to go to! 
Christine West Yorkshire
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My son was looking for his first house to buy. He found a property and did not know what to do next. I advised him that he needed to consult a Mortgage Adviser to guide him through his finances to make sure that he could get a mortgage to buy his first dream house. Adele was recommended and we are so glad that she was. She was knowledgeable, full of tips and advice and guided my son to his first mortgage on his first house. I would wholeheartedly recommend Adele to anyone who needs a mortgage, whether they are looking for their first home or whether they are remortgaging. If I could give 10 stars I would. Well done West Yorkshire Money. 
Mrs Wood UK
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Excellent service from start to finish, a team dedicated to making sure you get your dream home . Great team keep up the great work. Would highly recommend. 
Claire Green South Yorkshire
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I chose Adele at West Yorkshire money as I read an amazing review on her work. Adele has worked so hard securing my mortgage deal, covid has thrown some problems our way but Adele has dealt with these quickly and has always kept me informed. She has literally done everything to make this as easy as possible by chasing people up endlessly to organising me like I've never been organised before! Great lady to deal with who has a friendly professional team working with her! Would recommend time and time again! Thankyou West Yorkshire money 
Sarah Leeds, UK
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 Expert advice, tailored to you, so you get the right mortgage without the stress. 
— West Yorkshire Money

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