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UK Moneyman Mortgage Broker UK - M Shape

Mortgage Broker in Cottingham

& 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 UKMoneyman

Mortgage Broker in Cottingham

& Surrounding Areas

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

Speak to an Advisor - It's free! 01482 772986

Mortgage Advice in Cottingham

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.

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Your Mortgage Options in Cottingham

All of our Customers Receive a Free Mortgage Appointment!

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.

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Your Mortgage Options in Cottingham

First Time Buyer Mortgages in Cottingham

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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.

Moving Home Mortgages in Cottingham

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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.

Buy to let Mortgage Cottingham

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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.

Remortgaging in Cottingham

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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.

Self Employed Mortgages Cottingham

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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.

Mortgage Options for Over 50s in Cottingham

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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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Our Simple 4-Step Process

Book Online

Step 1

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.

Free Mortgage Apppointment

Step 2

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.

Finding a Suitable Product

Step 3

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.

Submit Your Application

Step 4

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.

Reasons to Choose us

Free Appointment in Cottingham

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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.

Search 1000s of products

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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.

Our Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Hull

Common Mortgage Questions in Cottingham

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

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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.

How does the mortgage process work in Cottingham?

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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!

When should I obtain an agreement in principle in Cottingham?

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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.

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

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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.

Are there fees involved in a remortgage in Cottingham?

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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.

We Search 1000s of Mortgages in Cottingham

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Halifax
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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

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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