Fast & Friendly Mortgage Advice in Hull

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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.

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 01482 772986.

Enquire Online

To speak with a mortgage advisor, book your FREE mortgage appointment online or give us a call on 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.

Enquire Online

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First Time Buyer

Remortgage

Moving Home

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

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Reviews Stars4.98 Rating651 Reviews

Fast & Friendly Mortgage Broker in Hull | Mortgage Advice in Hull

Welcome to Hullmoneyman.com, we are a local Mortgage Broker in Hull, who understands the complexities of the mortgage process.

 

Combining our knowledge and experience, we are dedicated to providing top-notch mortgage advice in Hull to all customers who get in touch during their free mortgage appointment. As a local mortgage broker in Hull, we have a deep understanding of the mortgage market, which allows us to search thousands of deal to find you the right deal to meet your financial needs and goals.

 

We pride ourselves on being open and honest mortgage advisors in Hull, and our commitment to excellence is reflected in the positive reviews we receive from customers who loved our mortgage advice service. Our team of mortgage advisors in Hull is here to help you navigate the mortgage process with ease and confidence.

 

Whether you are a first time buyer or a seasoned property owner, we have the expertse and knowledge to help you achieve your goals. If you are looking to purhcase your first home, remortgage your current property, invest in a buy to let mortgage, or required general mortgage advice in Hull, we are here to assist you.

 

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 closing of your mortgage. Our goal is to make the mortgage process as simple and stress-free as possible, so you can focus on what’s most important – finding your the right mortgage.

 

Mortgage Advice 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 20 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, 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 Are Here To Answer Your Mortgage Questions

A Mortgage Advisor in Hull is available to provide you with help and guidance with anything mortgage-related 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?
  • Proof of rental income.

 

Get in touch with your Mortgage 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 20 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 in Hull.  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 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

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

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Common mortgage questions

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.

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.

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.

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%.

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.

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.

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.

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.

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.

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.

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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2023 Hullmoneyman

Hullmoneyman, 410 Wincolmlee, Hull, HU2 0QL.

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