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Fast & Friendly Mortgage Advice in Hull

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First Time Buyer

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Moving Home

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We love helping all our customers, especially the ones who really need Mortgage Advice in Hull - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

For your FREE mortgage consultation call 01482 772986

About Us

For your FREE mortgage consultation call 01482 772986

Malcoms Image

We love helping all our customers, especially the ones who really need Mortgage Advice in Hull - it's not just about finding a mortgage. It's about the journey, we will hold your hand through the full process.

About Us

Mortgage advice
your way

First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

What our customers say

Mortgage Broker in Hull | Trusted Mortgage Advice in Hull

Welcome to Hullmoneyman.com, we are a local Mortgage Broker in Hull, providing you with expert Mortgage Advice. We are an open and honest Mortgage Advisor in Hull and Surrounding Areas. Feel free to take a look at our fantastic online reviews from customers who have loved our mortgage advice service, Click here to go to our reviews page.

 

Whether you are a First Time Buyer trying to find that perfect starting home or current home-owner thinking of Moving Home, we can help! You may be looking to Remortgage, interested in Buy to Let Mortgages, need Help to Buy/Right to Buy help or general Mortgage Advice in Hull. We will guide you all the way through the mortgage process, holding your hand every step of the way!

 

Mortgage Advisor in Hull – We’re Open & Honest

Our dedicated mortgage advice team will find the best mortgage deal for you, based on your personal situation. We’ll search through thousands of mortgage deals for you, saving your time and your money to ensure you get the best deal. Don’t worry, you are in safe hands with us, we have gained valuable experience from working within the mortgage world for over 11 years. There isn’t usually a mortgage situation we haven’t come across before!

 

Mortgage Advice for New Purchases & Remortgage Advice in Hull

If you are new to the whole home buying process 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, we are able to search thousands of deals to find the best one for you. Sometimes, at remortgage time, our customers like to discuss capital raising options.  Including, raising money for home improvements and paying off credit cards and loans etc. Providing expert mortgage advice in this specialist area, we’ll always be open and honest with your interests at heart.

 

We Work For You

With our company not being tied to a particular estate agent or mortgage lender, we work solely work for you making your experience more personalised.

 

A Mortgage Advisor in Hull is available to provide you with help and guidance with anything mortgage-related from 8am – 10pm, 7 days a week. Your Mortgage Broker Team will always be at the other end of the phone or email when you need to talk.

 

Mortgage Broker in Hull – Our Service

As an experienced local Mortgage Advisor in Hull, we pride ourselves on the quality of service we provide to our customers. We put our people at the heart of our business and always aim to exceed their expectations.

 

Are you a First Time Buyer or haven’t moved in a while?

Are you wanting to Remortgage to save money and/or capital raise/debt consolidation?

Thinking about Moving Home soon and wanting to know how much you can borrow?

Are you having problems with an existing application or having trouble getting an appointment with your bank?

 

Get in touch with your Morgage Broker in Hull today and receive a free mortgage consultation.

Mortgage Advice in Hull for Complicated Situations

Having been a local Mortgage Broker in Hull for over 11 years, 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.

 

Getting Mortgage Advice from your Bank

Often, our customers approach their own bank before contacting us for mortgage advice.  The most common reasons for the banks not being able to help are; not fitting criteria/tight affordability, can’t get an appointment, or simply can’t 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.

 

Trusted Mortgage Broker in Hull

As an Expert Mortgage Advisor in Hull, we are able to search thousands of both residential and Buy to Let mortgage deals on your behalf.

 

Ideally, you should speak to an expert 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, 8am – 10pm, 7 days a week

Mortgage advice in Hull – Options:

First Time Buyer Mortgage Advice Hull

Our Mortgage Advisors in Hull are here to walk you through every step, from initial mortgage enquiry, right until you get the keys to your new home.

Moving Home Mortgage Advice Hull

Simply, wanting Mortgage Advice in Hull, such as knowing how much you can borrow on a new mortgage, what happens to your old one and how much this will cost?

Remortgage Advice Hull

Seeking a better mortgage deal by using our Mortgage Broker in Hull, to reduce or extend the term, to add or remove a name, or raise money on your home?

We search 1000s of mortgage deals across a large number of lenders, including:

Common mortgage questions

Your free mortgage consultation in Hull will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your mortgage broker in Hull, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an agreement in principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an agreement in principle before you begin viewing properties in Hull. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An agreement in principle typically lasts for between 30 and 90 days depending on the lender used. If your agreement in principle expires it can always be refreshed.

There may be a chance to obtain a second mortgage on your home for things like debt consolidation or Home Improvements. There may also be a possibility for you to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Hull with high street lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self employed applicants. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

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Hullmoneyman.com & Hullmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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Hullmoneyman, 2 Littelfair Road, Hull, HU9 5LP.

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