Mortgage Broker in Cottingham
Mortgage Advice in Cottingham
Book Your Free Mortgage Appointment Online
Read our 678 Reviews
Over our 20 years experience working in the mortgage industry, we have had the pleasure of helping all different kinds of mortgage applicants. Don't hesitate to get in touch, even if you think that your situation is complicated! personal and financial situation.
For your FREE mortgage consultation in Cottingham call 01482 772986
Book OnlineFor your FREE mortgage consultation in Cottingham call 01482 772986
Over our 20 years experience working in the mortgage industry, we have had the pleasure of helping all different kinds of mortgage applicants. Don't hesitate to get in touch, even if you think that your situation is complicated! personal and financial situation.
Book Online4.98 Rating678 Reviews
Nathan
Great service, very helpful. From a first time buyer
1 week ago
Tom
Matt has been brilliant all the way through kept in touch and explained everything in detail. Would certainly recommend !!
1 week ago
Kristy
Chris went above and beyond to help me obtain a morgage, after many set backs we eventually got the result we wanted.. couldn't be any more grateful
2 weeks ago
Mark
As always very helpful with what we required
2 weeks ago
Natalie
Happy we went with hullmoneyman when we got our first mortgage coming up to 4 years ago, they've been helpful and fully informative all the way. Would highly recommend
3 weeks ago
Freya
Brilliant service, we could always get in touch and ask whatever questions we needed. Being first time buyers this has been new and stressful territory and it was much easier knowing we could trust Hull Moneyman.
3 weeks ago
Martin
Swift and very helpful, they was my go to people for anything I was worried about as a first time buyers and put my mind to rest.
1 month ago
Jason
Stacie and Dinah have saved me more money yet again. I remortgaged my house last month when mortgage rates were high due to a lot of uncertainty in the market. It is due to complete at the end of this month and since then rates have gone down. I...
1 month ago
Kelly
Massive thank you to Jason at hull Moneyman who has been amazing throughout the whole process of getting a mortgage. I highly recommend this company who make things so much easier. Very professional and helpful.
1 month ago
Stacey
We have today completed on our first property purchase and cannot thank Chris Thompson enough. Chris is incredibly knowledgable, professional and has excellent communication skills which made the whole process stress free from the start. A huge...
1 month ago
Kirsty
As a first time buyer Wayne and the team were so helpful and supportive. Right from the initial consultation Wayne took the time to listen to me, answered all of my questions and gave recommendations based on what I was saying. There was never any...
1 month ago
Katarzyna
Fantastic, friendly and efficient. I have been used the service for the second time and would recommend to anyone.
1 month ago
Agnieszka
We are buying house second time with Hullmoneyman and we are pleased with the service. Team is fantastic and very professional Charlie Bryson - our advisor section time did everything in very professional manner and with prompt response for our...
1 month ago
Cameron
Amazing, was really pleased with the service from Chris & Lizzi. Really appreciate everything they’ve done for me. Would definitely recommended!
1 month ago
Anonymous
Nice and helpful without the hassle of doing it yourself
2 months ago
Anonymous
Always knowledgeable, friendly and helpful - an excellent and efficient team whose services I have called on several times over the last 18 years and would highly recommend.
2 months ago
Emma
Thank you Conor for your help and guidance you made the process easy and explained everything Thoroughly.
2 months ago
Wayne
This was my second time using UK moneyman and will definitely be recommending them! Stacey provided an excellent service and was very efficient. Thank you Stacey for all your help, offer turned up earlier than expected 😉
2 months ago
Idris
I found Dinah at UKMONEYMAN very helpful and supportive all the way through my application. All my questions were answered in a timely manner with clear explanation. Dinah was always available whenever I required something. Thank you for your...
2 months ago
Danny
Excellent service, answered all questions and queries. Dinah was fantastic
2 months ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Cottingham | 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.
We Search 1000s of Mortgages in Cottingham
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.
Get Mortgage Advice in Cottingham for All Situations
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.
First Time Buyer Mortgages in Cottingham
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.
Remortgage Advice in Cottingham
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.
Moving Home Mortgage Advice in Cottingham
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 Advice in Cottingham
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.
Mortgage Advice in Cottingham for those over 50
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 4-Step Mortgage Process
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.
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.
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.
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.
Your Banks vs a Mortgage Broker in Cottingham
While banks and building societies only offer their own mortgage products, a mortgage broker in Cottingham, like us, can search thousands of mortgages to find the best one for your personal and financial circumstances.
If you have already been declined by your bank, we recommend against continuing to apply with them as each application can negatively impact your credit score. As mortgage brokers in Cottingham, we specialise in complex and unique situations and can help you access specialist products that may better suit your needs.
We thrive on challenges and are committed to helping you navigate the mortgage process. Contact your local mortgage broker in Hull today to discover how we can assist you.
Why Choose Us as Your Mortgage Broker in Cottingham?
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.
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.
Our 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.
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.
We search 1000's of mortgage deals across a large number of lenders, including:
20+ Years Experience
With over two decades of experience in the mortgage industry, we have encountered a diverse range of mortgage scenarios. Even in complex situations, we may be able to help and secure a mortgage product that you may have thought was unattainable. Feel free to reach out to our mortgage advisors in Cottingham today to explore your mortgage options.
Find Your Mortgage Broker in Cottingham on Social Media
We're always active on our social media channels, where we share daily news and mortgage tips from our website. Checking our channels regularly can help you stay informed and potentially find useful information.
Stress-Free Remortgage Advice in Cottingham
Our remortgage advisors in Cottingham provide a free remortgage review service, which we highly recommend if you are approaching the end of your fixed-rate term. Our team can assist you in remortgaging for various purposes, such as home improvements, debt consolidation, and equity release in Cottingham.
Common mortgage questions
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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