It's Free to Speak to an Advisor, 7 days, 8am - 10pm

UK Moneyman Mortgage Broker UK - M Shape

Mortgage Broker in Ferriby

& 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 Ferriby

& 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

Providing Expert Mortgage Advice in Ferriby

The mortgage application process can sometimes feel overwhelming, particularly if you are going through it as a first time buyer. As a mortgage broker in Ferriby, we aim to guide you throughout the entire process, from beginning to end. Our focus is not only on securing a mortgage but also on assisting you with the entire process.

With over 20 years of experience in the mortgage industry, we have encountered a wide range of mortgage scenarios. If you believe that your circumstances are complex and that securing a mortgage is unlikely, our mortgage advisors in Ferriby may be able to provide assistance.

Feel free to contact us anytime! Our team of mortgage advisors in Ferriby is available seven days a week.

Getting mortgage advice in Ferriby has never been simpler. We have assisted numerous customers in obtaining competitive mortgage products for their new homes and would love to do the same for you.

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Your Mortgage Options in Ferriby

All of our Customers Receive a Free Mortgage Appointment!

Booking your free mortgage appointment with a mortgage advisor in Ferriby is super easy! Simply head through our online appointment booking system and select a date and time that best suits you. You will be paired with a mortgage advisor in Ferriby that specialises in your mortgage situation.

Working 7 days a week offers you the flexibility to schedule your free mortgage appointment at a time that suits your schedule. Whether you prefer morning, afternoon, or late-night slots, we have a range of options available. The choice is yours to select the date and time for your appointment that best suits your needs.

During your free mortgage appointment with a mortgage advisor in Ferriby, they will calculate your affordability and determine the amount you can borrow for a mortgage. This assessment assists them in identifying the most suitable mortgage product for their unique financial and personal circumstances.

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Your Mortgage Options in Ferriby

First Time Buyer Mortgages in Ferriby

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If you are a first time buyer in Ferriby and unsure about where to begin your mortgage process, seeking help from a mortgage broker in Ferriby can be crucial. Getting the advice that you need can help you in navigating the process and securing the best possible deal for your first home.

Our services go beyond simply locating a mortgage product for you; we also assist you in preparing your entire mortgage application to make sure that you have the best chance of being accepted by your mortgage lender. Your lender will evaluate your application to determine your ability to afford the selected product, making it essential to ensure that you have presented all of the evidence accurately.

Moving Home Mortgages in Ferriby

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The home-moving process is more complex than it appears. You are not only relocating to a new residence, but you must also arrange the sale and determine what will happen to the mortgage on your current property. Handling two properties simultaneously can be stressful. As a mortgage broker in Ferriby, we can take charge of the mortgage side of the process, allowing you to concentrate on moving into your new home.

Initially, we evaluate whether it is possible to port your existing mortgage, and if this option is not feasible or too costly, obtaining a new mortgage for your new home may be the best course of action. We can assist you in locating the ideal mortgage product for your new home in Ferriby.

Buy to let Mortgage Ferriby

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Applicants that are interested in entering the buy to let market or expanding their existing portfolio can still benefit from utilising the services of a mortgage broker in Ferriby. A mortgage broker in Feriby like us can help you try and find a competitive mortgage product for your buy to let investment. Our help could the difference in you gaining an excellent product for your new home.

Our buy to let mortgage advisors in Ferriby can also help with let to buys, HMOs and interest-only mortgages.

Remortgaging in Ferriby

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Remortgaging refers to taking out a new mortgage product after the completion of your current fixed-term. You are not limited to renewing your current deal, you have the option to explore different lenders to locate a competitive mortgage product.

Our brilliant service comes into play as soon as you book your free remortgage review with us. We go beyond just searching for alternative mortgage products, we will specifically identify products that align with your unique financial and personal circumstances to ensure that you secure the best deal possible. If renewing at a better rate is not feasible, we will be honest and advise you that it is more beneficial to renew your current product.

We can also look at your other remortgage options with you, such as remortgaging to fund home improvements, release equity and consolidate debt.

Self Employed Mortgages Ferriby

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If you are self employed in Ferriby, 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 Ferriby 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 Ferriby

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If you are over the age of 50 and want to explore your mortgage options, it would be beneficial to speak with a later life mortgage advisor in Ferriby. You can schedule your free appointment online or by calling us.

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Our Simple 4-Step Process

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Step 1

To start your mortgage process, you should schedule a free appointment with one of our mortgage advisors in Ferriby. During this appointment, your advisor will ask you questions about your personal and financial mortgage situation. They will also determine how much you can borrow for a mortgage in Ferriby.

Free Mortgage Apppointment

Step 2

After assessing your mortgage situation and affordability, our mortgage advisor in Ferriby will search through a vast range of deals to find the most appropriate mortgage product for you. Once we have identified a suitable product, we will provide you with a mortgage illustration to explain all the key details.

Finding a Suitable Product

Step 3

Once you have decided to proceed with the mortgage product we have recommended and you are satisfied with the deal, we will begin preparing your mortgage application. We will introduce you to a dedicated case manager who will assist you in gathering the necessary documents to support your income and mortgage affordability. We will submit your mortgage application when you have prepared all the required documents.

Submit Your Application

Step 4

After submitting your mortgage application, all that’s left is to wait for the lender’s response. As soon as we receive a positive response, your dedicated case manager will be in touch straight away. Then, all that remains is to collect the keys to your new property and begin moving in! In a few years, as your fixed term ends, we will be in touch again to assist you with your remortgage.

Reasons to Choose us

Free Appointment in Ferriby

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As a responsive mortgage broker in Hull, we have assisted customers with a variety of mortgage situations. Unlike traditional banks, we do not dismiss your case without considering all possible options. Our goal is to work with you to find the most suitable mortgage product that fits your needs and financial circumstances. Ultimately, we prioritize your best interests.

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in Hull can conduct a thorough search through our extensive panel of mortgage products, including both high street and specialist deals, to find the most suitable one for you. As a mortgage broker in Hull, we have access to a wide range of options to ensure that we can provide you with the best possible mortgage product.

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Providing open and honest mortgage advice in Hull we have accumulated a wealth of customer reviews and we take great pride in the quality of service we provide. We always appreciate hearing about how our customers have found their experience with us, so please take a moment to peruse our reviews and see how we have helped others in situations similar to your own.

7 Days a Week

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Even if this isn’t your first experience and you’ve navigated the mortgage process previously, if you encounter a complex issue, we strongly recommend consulting an expert for assistance. If you’re beginning your mortgage journey and require professional mortgage advice in Hull, feel free to contact us at any time.

Malcolm and Amy Davidson - Mortgage Advice in Hull

Common Mortgage Questions in Ferriby

Can I get an Agreement in Principle within 24-Hours

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After your free mortgage appointment, our mortgage advisors in Ferriby can arrange an agreement in principle for you within 24 hours. An agreement in principle (AIP) is a document issued by your lender stating that you are eligible to borrow from them, subject to you being able to demonstrate your affordability through bank statements, payslips, proof of income/deposits, and other relevant documents.

If your AIP expires, there’s no need to worry as you can easily renew it with our team. Generally, AIPs are valid for 30-90 days.

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

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When seeking a mortgage in Ferriby, it’s crucial to keep in mind that many lenders require a minimum deposit of 5% of the property’s value. Nonetheless, if your credit score falls below the optimal range, you may be required to provide a more substantial deposit of 10% to 15% or beyond.

If you’re uncertain about how much you could potentially borrow for a mortgage in Ferriby, don’t hesitate to contact our team for professional advice.

When should I obtain an agreement in principle in Ferriby?

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Securing an Agreement in Principle (AIP) at the outset of the mortgage process, preferably before arranging property viewings, can enhance your bargaining power while searching for a house. As a mortgage broker in Ferriby, we recommend obtaining an AIP to potentially bolster your ability to negotiate the seller’s initial asking price.

Can I get a second mortgage in Ferriby?

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As a mortgage broker in Ferriby, we’ve aided numerous clients in securing second or multiple mortgages for various purposes such as buy-to-lets, let-to-buys, holiday lets, and others.

Typically, getting an extra mortgage necessitates providing a sizable deposit, maintaining a favourable credit score, and having the financial capacity to handle two substantial mortgage payments every month. It’s crucial to seek advice from a mortgage advisor in Ferriby to evaluate your qualifications before pursuing an additional mortgage.

Why use a mortgage broker in Ferriby like us?

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As a mortgage broker in Ferriby, we are dedicated to assisting you every step of the way throughout your mortgage journey. Our knowledgeable mortgage advisors in Ferriby are available to help you discover the most appropriate mortgage product for your individual financial circumstances. We will assist you with the application process and eliminate any complications that may arise, ensuring that you acquire the keys to your ideal property.

We are experts in mortgages, with vast experience in assisting a diverse range of buyers. Our expertise encompasses various mortgage types, including buy to let, self employed, equity release, and mortgage insurance and protection. To make it more convenient for you to receive mortgage advice in Ferriby, you can schedule a free mortgage consultation or a callback with one of our mortgage advisors online.

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

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Although obtaining a mortgage with a poor credit score can be difficult, it is not entirely impossible. Lenders will review your credit history to evaluate the risk associated with lending to you and your mortgage affordability. As a significant financial commitment, lenders require confidence in your ability to repay the loan.

If you need assistance in finding a mortgage with bad credit, our specialist mortgage advisors in Ferriby can help. Contact our team or book a free mortgage consultation online to explore your options.

We Search 1000s of Mortgages in Ferriby

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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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