It's Free to Speak to an Advisor, 7 days, 8am - 10pm

Hullmoneyman - Mortgage Broker in Hull - M Shape

Mortgage Broker
in Hull

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

01482 772986Speak to an Advisor - It's Free!
Malcolm Davidson - Managing Director of Hullmoneyman

Mortgage Broker
in Hull

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Enquire Online 01482 772986 Malcolm Davidson Managing Director of Manchestermoneyman - Mortgage Broker in Manchester
Malcolm and Amy - UK Moneyman Directors

Welcome to Hullmoneyman.com! We’re a mortgage broker in Hull, known locally to many in the city and its surrounding areas.

Since 2009, we have been committed to making the home buying and remortgaging process stress-free and straightforward.

To speak with a mortgage advisor in Hull, book your FREE mortgage appointment online.

Welcome to Hullmoneyman.com! We’re a mortgage broker in Hull, known locally to many in the city and its surrounding areas.

Since 2009, we have been committed to making the home buying and remortgaging process stress-free and straightforward.

Malcolm and Amy - UK Moneyman Directors

Speak to an Advisor - It's Free!

Our Customers Love Us

Reviews Stars4.98 Rating744 Reviews

Mortgage Broker in Hull
Trusted Mortgage Advice in Hull

Discover Open and Honest Mortgage Advice in Hull

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We’re incredibly proud to call ourselves open and honest mortgage advisors in Hull, dedicating our hard work and efforts to helping customers with their mortgage queries.

This approach to providing an excellent service to our customers is showcased in the positive customer reviews we receive. Our trusted team of mortgage advisors in Hull are here to help you through your mortgage journey with both ease and confidence.

No matter if you’re taking on the property market as a first time buyer or are an existing homeowner looking at your various options, such as to move home, remortgage or look at later life lending options, we’ll do what we can to help you achieve your mortgage goals.

At Hullmoneyman, we take a hands-on approach to mortgage advising and will be with you every step of the way, from the initial consultation to the completion of your mortgage application. Our goal is to make the mortgage process as simple and stress-free as possible for all who get in touch with us.

How a Mortgage Broker in Hull Can Help

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Here at Hullmoneyman, we have a dedicated team of mortgage advisors in Hull who will search through thousands of mortgage deals, to find the right one for what it is you are looking to achieve. It’s our goal to save your time and your mental wellbeing, from the stresses and complications of the mortgage world.

With our team of expert mortgage administrators and mortgage advisors in Hull, you can worry less knowing you’re in safe hands. There’s very rarely a situation we come across, where we haven’t seen something like it before!

Unlocking Mortgage Solutions for Both New Homebuyers and Remortgages in Hull

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If you are a first time buyer in Hull or haven’t moved in a while, you’ll hopefully find our service highly beneficial. Buying a new home isn’t always easy! We’ll support you through the whole process and be here to help overcome any hurdles that we face along the way.

For current homeowners looking to remortgage in Hull, we can search thousands of deals to find the best one for you. Sometimes, at remortgage time, our customers like to discuss capital raising options, such as raising money for home improvements and paying off credit cards and loans. This is a specialist area and we’ll always be open and honest with you, having your best interests at heart.

Your Mortgage Questions, Our Expert Answers

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Your trusted mortgage advisor in Hull will be available to provide you with help and guidance regarding anything mortgage-related, 7 days a week, from early until late. Our team will always be at the other end of the phone or email, whenever you need support or questions answering regarding your mortgage.

Mortgage Advice in Hull for Complicated Situations

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Having been a local mortgage broker in Hull since 2009, we have come across almost every single mortgage situation. We will consider all applications; no problem is too big for us! Don’t hesitate to call even if you believe that your situation is too complicated as it’s more than likely that we have faced that hurdle before and know exactly how to help you.

Maybe you are self employed, a company owner, a partner, a contractor or on a probation period with a new employer and are struggling to get a new mortgage arranged. This is where an experienced mortgage advisor in Hull will prove highly beneficial.

Also, this will apply if you have had credit problems in the past, been bankrupt, have a CCJ and/or a poor credit score.

We have in-depth knowledge of lending criteria and experience providing expert advice to clients with all types of individual situations.

Using a Bank vs, a Mortgage Broker in Hull

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Often, our customers approach their own bank before contacting us for mortgage advice in Hull. The most common reasons for being turned away from the bank are; not fitting criteria/tight affordability, can’t get an appointment, or you simply aren’t able to borrow enough.

If you are in one of these situations then it is important to speak to a mortgage broker in Hull, like us who would love to try and help you! The earlier you get advice from a broker, the better position you will be in when you decide it’s time to secure a mortgage deal.

We Can Search 1000s of Mortgage Deals

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As your mortgage broker in Hull, we will search through thousands of both residential and buy to let mortgage deals on your behalf. We have a wide variety of mortgage lenders on panel, offering both high street and specialist products.

Ideally, you should speak to a mortgage broker like us prior to viewing houses with estate agents. We can give you an idea of your budget and have a mortgage agreement in principle document ready to support any offers you make.

Being prepared by receiving mortgage advice in Hull early in the home buying process will ensure you are in a great ‘mortgage ready’ position. This will potentially put you ahead of any other home movers, who haven’t been as organised when offering on your property.

Open & Honest Mortgage Advice in Hull by Hullmoneyman, 7 days a week

Free Mortgage Calculators

We Search 1000s of Mortgage Deals in Hull

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Mortgage Questions in Hull

How long does the process in Hull take?

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Our free initial mortgage consultation will last roughly 30 mins. Lucky for you, as an experienced Mortgage Broker in Hull, we can turn around an Agreement in Principle within 24 hours. All we need is a quick phone call to gather the necessary information. A formal mortgage offer takes about three to four weeks on average.

What documents will I need to provide for my mortgage in Hull?

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If you’re an employee, you will usually have to supply three payslips and the latest P60 to prove your income. If you are Self Employed in Leeds, it is typically the latest two years’ tax calculations and correspondings overviews. You will also need to provide proof of ID (Driving license or Passport). Proof of Address (Utility bills, tax bills or credit card statements) and three months’ bank statement. You are proving the deposit built up with an explanation for any significant credits.

I’m self employed in Hull, can I get a mortgage?

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The good news is it may be possible to get a mortgage if you are self-employed in Hull. To qualify, you need to submit at least one years’ accounts. Doing so will help to increase the likelihood of obtaining a mortgage. Most lenders take a look at your salary plus dividend to calculate the maximum mortgage amount. Others may go off your net profit. It all depends on the lender.

Can I get a mortgage in Hull with previous credit problems?

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The good news is that you may find it a bit more challenging to obtain a mortgage despite having previous credit issues on your record. But it doesn’t mean it’s impossible, and you may still be able to get one! It just means that some Lenders may ask for a slightly higher deposit of around 10-15%.

How much deposit do I need for a mortgage in Hull?

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Most high street mortgage lenders will usually ask for a minimum of a 5% deposit. This percentage may be higher depending on your previous circumstances, e.g. if you’ve had any past credit issues.

Can I get a second mortgage in Hull?

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The good news is it is possible to have two mortgages in Hull running simultaneously, as long as you can afford to repay the monthly instalments on each of them. If you’re looking to accomplish something like debt consolidation or home improvements, you may be able to place a second mortgage on your home.

How long does an Agreement in Principle last?

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An Agreement in Principle typically lasts for 30-90 days. However, this timeframe is up to the Lender. If your Agreement in Principle expires, worry not; you can renew it by getting back in touch with your Mortgage Advisor in Hull.

When should I obtain an agreement in principle in Hull?

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As a Mortgage Broker in Hull, we recommend that you obtain an Agreement in Principle (AIP) as soon as you can, preferably before you start viewing properties. Having an Agreement in Principle in place when you are viewing houses could potentially allow you to negotiate prices.

How does the mortgage process work?

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Our mortgage process consists of multiple different steps. The first step is to get in touch, and one of our trusted mortgage advisors in Hull will carry out a Fact Find to get a bigger picture of your mortgage situation.

Secondly, you’ll undergo your free mortgage consultation, and your assigned dedicated Mortgage Advisor in Hull will begin searching for mortgage deals that match your circumstances. If they find you an offer that you are happy to proceed with, we can get the ball rolling with your mortgage application.

Next, they will perform a credit check on you to obtain an agreement in principle. Some evidential documents will be required from you to help back up your mortgage application.

Lastly, they will submit your mortgage application and wait for a formal mortgage offer to be issued.

How does the free initial mortgage consultation in Hull work?

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Your free initial mortgage consultation with your dedicated Mortgage Advisor in Hull will last around 30 mins. During this consultation, we will get to learn a bit more about your mortgage needs and what you are looking for. Once we know more about your personal and financial situation, we will start looking for mortgage deals that will match you perfectly.

Mortgage Guides

Hullmoneyman.com & Hullmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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