Using a mortgage broker in Cottingham can make all the difference in securing a competitive mortgage product that saves you money, whether you’re a first time buyer or have prior experience. With over 20 years of experience as a mortgage broker in Cottingham, we have helped numerous applicants through the mortgage process, including those with complex scenarios. Don’t hesitate to contact us for assistance in achieving your goals.
Scheduling a free mortgage appointment with a broker in Cottingham is easy. You can book online and choose a time that suits you, or call us to schedule an appointment over the phone.
Navigating the mortgage process on your own can be daunting and complex. That’s where a mortgage broker in Cottingham like us comes in to make the process simpler for you. We’re here to support and guide you throughout the entire process, finding you a competitive mortgage product that suits your personal and financial situation and helping you prepare your application to present yourself in the best light to your lender.
Our panel of mortgage lenders provides access to thousands of mortgage products. During your free mortgage appointment, we will evaluate your personal and financial situation to determine the most appropriate mortgage product for your needs. Once we identify a suitable mortgage product, we can begin the process of preparing your mortgage application.
Our panel includes both high street and specialist mortgage products, allowing our mortgage advisors in Cottingham to identify the most suitable deals for your circumstances. If your situation is complex, we may recommend a specialist product.
In contrast to banks and building societies, our ability to access products from various mortgage lenders means we can search the market for the best deals. Banks and building societies are limited to their in-house products and cannot offer the same range of options as a mortgage broker in Cottingham as we can.
If you’re a first time buyer in Cottingham, it can be hard to take that first step onto the property ladder. But did you know that there are Government-led schemes available to help you? The OwnYourHome schemes provide assistance to help you become a homeowner. Talk to one of our mortgage advisors in Cottingham to learn more about them and to discuss your other mortgage options.
Our role as a mortgage broker in Cottingham is to assist and guide you throughout the entire mortgage process. We will not only strive to find you a competitive mortgage product that suits your individual financial circumstances, but we will also aid you in preparing your complete mortgage application, ensuring that you present yourself in the best possible light to your mortgage lender.
When moving home, it’s crucial to find a mortgage deal that suits your personal and financial situation. Our mortgage advisors in Cottingham can help you through the process, taking away the stress of sorting a mortgage for your new home.
By having a mortgage broker in Cottingham by your side, you can leave the mortgage aspect of the moving process to us and focus on settling into your new home. Our goal is to alleviate all the stress from the process, making your move an enjoyable and exciting experience as it should be.
Our services cover a wide range of mortgage options, including buy to let mortgages. As an experienced mortgage broker in Cottingham, we can help both established and aspiring landlords find the best mortgage deals for their properties. To explore your buy to let options, we recommend consulting with one of our professional buy to let mortgage advisors in Cottingham. They can assess your affordability and determine how much you are eligible to borrow.
If you are interested in investing in let to buy, HMO, or interest-only mortgages, feel free to contact our team, and we will review your options.
Before your fixed-mortgage term ends, it’s essential to look at your remortgage options to avoid falling onto your lender’s standard variable rate of interest. Our team offers a free remortgage review to help you find the perfect remortgage deal for your property in Cottingham.
If you’re considering remortgaging in Cottingham, we provide a free remortgage review that you can schedule online. We suggest reviewing your options at least 6 months before your current term ends. As a mortgage broker in Cottingham, we will explore the entire mortgage market to find the most suitable remortgage deal for your property, including options to release equity, fund home improvements, and consolidate debt.
If you are self employed in Cottingham, the mortgage process will be similar to other scenarios, with one key difference – the requirement to provide evidence of your income.
Our mortgage advisor in Cottingham will guide you on the additional documents you need to provide. Just like with other mortgage types, they will conduct an affordability assessment and explore the available deals suitable for you.
Our later-life lending team specialises in later-life mortgages and can guide you through the mortgage process if you’re 50 or above. You can book a free appointment with a later-life mortgage advisor in Cottingham today to speak with our team.
Our Customers Love Us
4.98 Rating698 Reviews
Chris
Very helpful and honest throughout the whole process. open and prompt communication at all times. would highly recommend
5 days ago
Jake
Fantastic service very quick and efficient, information provided explaining all services clearly, excellent pricing and most of all helped us get on the property ladder !
1 week ago
Michael
Great service very helpful and very good at what they do.
2 weeks ago
Anonymous
Very helpful throughout and helped us get an improved deal as rates fluctuated.
2 weeks ago
Hannah
I have used hullmoneyman when I first bought my house and now to remortgage. Daniel has been amazing, always kept me informed and made things nice and easy. Thank you Daniel and the team.
1 month ago
Anonymous
This is the second time we have used Hullmoneyman, again their advice and service has been excellent. The advice is honest and reliable and considered our needs against the current market. I would definitely recommend in the future.
1 month ago
Ryan
My partner and I are extremely happy with our decision to use Hullmoneyman as our mortgage advisor. As FTB's we had a million questions which were always answered without any chasing. From our first meeting to the last Charlie was spot on and...
1 month ago
Samuel
For us who had a difficult situation, it was the best thing we could have done! Opened so many doors and allowed us to gain a mortgage at a great rate! Charlie was amazing and can’t recommend this company enough! Will be using again. Thank you
2 months ago
Cristina
2nd time using Hull Moneyman mortgage brokers, this time for our remortgage. Always responsive, happy to help and keep us up to date with progress. 5*
2 months ago
Samantha
This is our second time using Hullmoneyman, and again the service has been excellent. There is a good balance of updates, without feeling like you are being hounded. The advice we have been given has been honest and reliable given the current...
2 months ago
Samantha
I cannot rate the UK Moneyman team high enough. Both my husband and I are self-employed which is somewhat less straightforward than it would be if we were in employment. However, Malcolm and his team guided us through all of the stages, from...
2 months ago
Sam
I had a fantastic experience working with Malcolm and the team at Hullmoneyman. Their use of modern systems streamlined the application process, and communication was excellent, prompt and transparent. The staff, notably Jo, were not only...
2 months ago
Kayleigh
Everyone that has been involved in our case has been polite and very helpful and taken alot of the stress out of something I personally found quite daunting and overwhelming
3 months ago
Anonymous
Very helpful and friendly
3 months ago
Ewelina
Outstanding service, Chris was amazing and very responsive, he answered all of my questions and helped me to get my mortgage offer so fast! He’s done an amazing job, I recommend Hullmoneyman for everyone, especially for the first time buyers like...
3 months ago
Steve
Very professional, friendly and exceptionally motivated, dynamic and driven in ensuring they deliver the best possible service to you. Dan and Jo who managed my mortgage allocation were outstanding, clear and extremely helpful.
4 months ago
Magdalena
Amazing service. We received all the support that we needed in our journey to buy a house via mortgage and extra help with insurance, surveyor and conveyancer. As first buyers, we had no idea what was needed to be done and where to go or what to...
4 months ago
Benjamin
From the start of the process to the end I couldn’t sing Jason’s praises any higher, he went through it all in basic terms for me to understand and responded to any calls and emails very promptly.
4 months ago
Andrew
If you think your at a lost cause, don’t think any further than Hullmoneyman, they really pull out the stops to support and deliver.
4 months ago
Kerry
After getting turned down from my own bank for a ccj I turned to Hullmoneyman after hearing great things !!! And can honestly say there was right iv now got my mortgage that works for me , I couldn’t recommend him enough , thank you so much !!
4 months ago
Book your free mortgage appointment by contacting us. We will match you with a mortgage advisor in Cottingham who is well-versed in your mortgage situation and can provide expert guidance.
During your free mortgage appointment, your mortgage advisor in Cottingham will ask about your personal and financial situation to understand your mortgage requirements and goals. Based on this information, they will find a mortgage product that suits you best.
If you are satisfied with the recommended mortgage product, we will start preparing your mortgage application. At this stage, a case manager will take over and work with you to present your application in the best possible light. Once all supporting documentation is included, we will submit your application to the lender.
Once your application is approved, we will inform you and you can start moving into your new home. We will keep in touch to ensure that you continue to get the best rate available and remind you when your remortgage is due.
As a responsive mortgage broker in Hull, booking a free mortgage appointment in Cottingham is now easier with our online booking system. We offer flexible appointments, 7 days a week, allowing you to choose a date and time that fits your schedule.
During any mortgage journey, our friendly mortgage advisors in Hull have access to a vast range of mortgage products and can search through thousands to find the one that best suits your personal and financial situation.
Providing open and honest mortgage advice in Hull with over 20 years of experience, we have gained a wealth of positive customer reviews. These reviews reflect our high levels of customer service and customer satisfaction. Read through our reviews to see how we have helped customers in similar situations to yours.
We have extensive experience in dealing with all kinds of mortgage applications, including specialist situations. So, even if you have a unique or challenging case, do not hesitate to contact us. We would be happy to assist you.
To obtain a mortgage in Cottingham, you will be required to put down a deposit of at least 5% of the property’s value. However, if you have a bad credit score, some lenders may require a larger down payment, ranging from 10% to 15% of the property’s value. This percentage may vary depending on the lender you choose.
Working with a mortgage broker in Cottingham can make your mortgage journey much easier, and can also save you time and money.
Upon contacting us, one of our mortgage advisors in Cottingham will conduct a thorough fact-finding process to comprehend your mortgage needs and circumstances. Using this information, your advisor will locate the most fitting mortgage deal for you. If you choose to proceed with us and the selected mortgage product, we will commence the process of preparing your mortgage application.
A dedicated case manager will be assigned to you, who will assist you in completing your mortgage application. Once ready, we will submit it to the mortgage lender on your behalf. Your next step is to await the issuance of a formal mortgage offer!
Prior to attending property viewings, it’s advisable to obtain an agreement in principle (AIP). This document confirms that the lender is willing to lend to you, subject to your ability to provide satisfactory proof of your income and affordability.
AIPs are typically valid for 30 to 90 days. If your AIP expires, you can swiftly renew it by contacting a mortgage broker in Cottingham, such as our team, and we will arrange for a new one within 24 hours.
Despite the difficulties, obtaining a mortgage with a poor credit score is not entirely out of the question. The lender will examine your credit history to determine the level of risk associated with lending to you and evaluate your capacity to pay back the loan.
If you require assistance from a dedicated mortgage advisor in Cottingham, please don’t hesitate to contact our team or schedule a free mortgage consultation on our website.
When considering a remortgage, it’s essential to keep in mind that the fees you’ll encounter will be comparable to those you faced when obtaining your original mortgage.
To gain a better understanding of these costs, you can request a comprehensive breakdown from your remortgage advisor in Cottingham, which should include expenses such as arrangement fees, property surveys, and broker fees. Make sure to take all of these costs into account when deciding on a course of action.
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