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.
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4.98 Rating734 Reviews
Amy
The service we have received from Hull Money man (mainly Charlie) has been outstanding. Charlie has been there for us through a few house fall throughs and each time pulled through for us! Even made contact during his annual leave! As a first time...
1 week ago
Mr David
Very helpful, always available and kept us informed at all times
2 weeks ago
Tim
Excellent seamless process with no nonsense but very supportive.
2 weeks ago
Scott
We have used Hullmoneyman services for all of our residential and buy-to-let mortgage and remortgage needs for more than ten years. Hullmoney man have always professional and courteous advice and timely service. We do not hesitate to recommend...
3 weeks ago
Katie
Leo was fantastic. Understood what we wanted and got it done in record time. Would highly recommend.
3 weeks ago
Kerry
Excellent service
3 weeks ago
Timothy
Amazing work and great help from Paula Milner and Charlie Bryson
3 weeks ago
Philip
Quick and easy from start to finish. Understood what i needed and sorted out seamlessly
1 month ago
Benjamin
Really good service, made things nice and easy.
1 month ago
Stuart
Good communication great company to deal with
1 month ago
Emily
Wouldn’t use anyone else for our mortgage needs this is the second time now and would always recommend to others.
1 month ago
Haylee
Very clear and friendly advice received from Malcolm which was welcomed with being first-time mortgage hunters. Although other services are offered, never felt pressured into taking these up. Definitely recommend!
1 month ago
Matthew
Hullmoneyman helped me secure my first mortgage and I couldn’t be happier with the service they provided. Charlie and Paula were both very helpful and kept me updated throughout the process and.
1 month ago
Glen
Good service very prompt at sorting fantastic deals highly recommended
1 month ago
Paula
Chris was brilliant, great communication and always there to answer any questions. 100% recommended, great service from first enquiries to securing our mortgage and insurances and good to know we can message anytime with any queries we need help...
1 month ago
George
Incredible service from Malcolm, Stacey and the whole team in helping us with our mortgage application. From start to finish we felt supported, the advice we were given was honest, genuine and with our best interests in mind. We wouldn't have known...
2 months ago
Angela
Excellent service from making enquiries to completion.
2 months ago
Mr Glenn
Helped us out enormously with our mortgage for self employed. Would definitely recommend these guys.
2 months ago
Lois
The whole process from start to finish has been first class. Chris has ensured we understood everything, been at the end of the phone if we needed anything answering and had our interests at heart. Debbie has also been a great support and we...
3 months ago
Matthew
Thank you Jason & Jo. Very friendly, down to earth and efficient. Worth far more than 5 Stars. Hullmoneyman its a no brainer!
3 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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