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Mortgage Broker in Gilberdyke

& 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!

Mortgage Broker in Gilberdyke

& 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 Gilberdyke

Looking for expert mortgage advice in Gilberdyke? Look no further than Hullmoneyman, your go-to mortgage broker in the area with over 20 years of experience.

We understand that navigating the mortgage process can be overwhelming, especially for first time buyers and home movers. That’s why we’re here to provide you with the help and support you need to make the process as stress-free as possible.

Our team of experienced mortgage advisors in Gilberdyke has encountered almost every mortgage situation imaginable, giving us the knowledge and expertise to help you no matter your circumstances.

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Your Mortgage Options in Gilberdyke

All of our Customers Receive a Free Mortgage Appointment!

We’re dedicated to providing you with a complication-free mortgage process, using our in-depth industry knowledge and experience to help you get one step closer to mortgage success.

Book your free mortgage appointment with us today and let us help you take the first step towards securing your dream home in Gilberdyke.

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Your Mortgage Options in Gilberdyke

First Time Buyer Mortgages in Gilberdyke

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If you’re a first time buyer in Gilberdyke, you may feel unsure of where to start with the mortgage process. We understand that purchasing a home is one of the most significant financial commitments you’ll make, and it can be intimidating. But don’t worry – as trusted and experienced mortgage advisors in Gilberdyke, we’re here to guide you every step of the way.

We’ll provide you with expert mortgage advice in Gilberdyke to help you find your place on the property ladder. Many first time buyers in Gilberdyke are anxious about how much they can borrow and what their monthly mortgage payments will be. We’ll give you a general estimate to answer some of your mortgage questions and concerns, so you have a clearer picture.

Once you’ve found a property you’d like to purchase and call home, the next step is to get an agreement in principle (AIP). As a dedicated mortgage broker in Gilberdyke, we’ll help you obtain an AIP within 24 hours of your initial mortgage appointment. Having an AIP shows the seller that you’ve passed initial credit checks, and the mortgage lender is willing, in principle, to lend you the funds for your purchase. This puts you in a strong position to negotiate on property price and gives you an advantage over other home buyers who aren’t in the same position.

From the moment you get in touch with us, we’ll be by your side until you achieve mortgage completion and beyond. Our goal is to make the mortgage process as smooth and stress-free as possible. So, contact us today, and let’s get started on your journey to becoming a first time homeowner in Gilberdyke.

Moving Home Mortgages in Gilberdyke

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If you’re currently at the end of your initial mortgage deal and considering your options for moving home in Gilberdyke, speaking with a mortgage broker in Gilberdyke could be a great option for you.

There are several reasons why you might be looking to move home, such as needing more space for your family or wanting a change of scenery. Whatever your reason, the process of moving home can be stressful, and the last thing you want is to deal with the stress of a mortgage as well.

As a trusted and experienced mortgage broker in Gilberdyke, we understand how stressful the home moving process can be. That’s why we work hard to take the weight off your shoulders and help you get through the mortgage process stress-free, so you can focus on finding a buyer, packing up your belongings, and arranging everything for your new home purchase.

Let us help you navigate the home moving process with ease, so you can enjoy a smooth transition to your new home in Gilberdyke. Contact us today to find out how we can help you with your mortgage needs.

Buy to let Mortgage Gilberdyke

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Our team of mortgage experts are dedicated to providing the highest levels of professional advice to all of our clients, regardless of their experience level. As a trusted mortgage broker in Gilberdyke, we have extensive experience working with buy to let mortgages, building relationships with landlords and helping them grow their portfolios.

We don’t just offer standard residential buy to let mortgages in Gilberdyke, we also have the ability to help with HMOs (House of Multiple Occupancy) and holiday lets. HMO mortgages are typically taken out on properties with 5 or more occupants, such as student accommodation. These types of mortgages are not always readily available, but we have plenty of lenders on our panel who are willing to lend for a HMO mortgage in Gilberdyke.

For existing landlords looking to expand their portfolio, we also offer the option of remortgaging your existing properties. This can potentially release equity from your property, allowing you to use the funds as a deposit on an additional purchase.

As an experienced mortgage broker in Gilberdyke, we are dedicated to helping our clients achieve their goals in the buy to let market. Contact us today to find out how we can help you take your next step as a landlord.

The Financial Conduct Authority does not regulate some types of buy to let or commercial mortgages.

Remortgaging in Gilberdyke

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As an existing homeowner, If you’ve eventually reach the end of your mortgage deal and begin considering your options. One option to consider is a remortgage, which involves switching from your current mortgage to a new one with a new lender. At Hullmoneyman, we understand that this process can be overwhelming, which is why we offer expert remortgage advice in Gilberdyke.

Many homeowners choose to remortgage when their initial fixed-mortgage period is ending, typically after 2-5 years. This is because it can prevent mortgage payment increases that occur when you lapse onto your lender’s standard variable rate of interest, which is usually much higher.

Our team at Hullmoneyman is dedicated to providing our existing customers with the guidance and support they need to make informed decisions about their mortgages. We offer a transparent service and always put our customers first, which means we’ll remind you six months before your fixed-period ends to ensure you have plenty of time to explore your options.

In some cases, we may even suggest staying with your current mortgage lender and taking out a product transfer if it benefits you more. Whatever your needs may be, our experienced mortgage brokers in Gilberdyke are here to help.

Self Employed Mortgages Gilberdyke

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If you are self employed in Gilberdyke, 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 Gilberdyke 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 Gilberdyke

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Homeowners who happen to be over the age of 55 and meet the right criteria, such as for property value, could find it worthwhile looking at their options for a equity release in Gilberdyke.

Equity release in Gilberdyke is typically taken out either as a home reversion plan or more commonly, as a lifetime mortgage in Gilberdyke.

Beyond this, for customers over the age of 50, you may find that there are other potential mortgage options for you, as you head towards later life.

These can include options such as retirement interest only (rio) mortgages, term interest only (tio) mortgages, hybrid mortgages, as well as standard mortgages and remortgages in Gilberdyke.

Mortgages for over 50s and especially equity release in Gilberdyke, tends to be a very specialist area and it is key that you get in touch with a qualified and professional mortgage broker in Gilberdyke, to understand your options.

We will always look to see if an alternative is more suitable for you first, before we look at equity release in Gilberdyke.

To understand the features and risks, ask for a personalised illustration. Equity Release may come in the form of a lifetime mortgage or home reversion plan.

A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.

A home reversion plan involves selling all or part of your home to a plan provider in exchange for a tax-free lump sum.

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Our Simple 4-Step Process

Book Online

Step 1

Book a free mortgage appointment online to speak with one of our expert mortgage advisors in Gilberdyke.

Free Mortgage Apppointment

Step 2

This will give your mortgage advisor in Gilberdyke the chance to know your financial background and evaluate your affordability.

Plus, they’ll sort you out with an agreement in principle, which is handy bargaining tool when making any offers.

Finding a Suitable Product

Step 3

Your mortgage advisors in Gilberdyke will go away and search thousands of offers to find the one most suitable for your circumstances. Once you’re content with your suggestion, the mortgage application process can then be continued.

Submit Your Application

Step 4

Once your application is all set, we will submit your mortgage request to the lender, and keep you posted during the entire process.

Reasons to Choose us

Free Appointment in Gilberdyke

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As a responsive mortgage broker in Hull, Hullmoneyman, understands that getting a mortgage can be a time-consuming process that often requires flexibility from both parties. That’s why our responsive team of expert mortgage advisors in Gilberdyke is available seven days a week, with appointment times that fit around your busy schedule (subject to availability).

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors in Hull are experienced and dedicated mortgage brokers in Gilberdyke have dealt with a wide variety of mortgage situations. Even if we encounter a scenario that is new to us, we always do our best to use similar instances we have seen before to help you overcome any obstacles. We thrive on a good challenge and will work tirelessly to find the right mortgage solution for you.

Our Service

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Providing open and honest mortgage advice in Hull don’t hesitate to give us a call and book an appointment with one of our expert mortgage advisors in Gilberdyke today. We understand that the mortgage world can be a minefield, especially if you’re unsure of what to do or if you’re facing hurdles. That’s why we’re here to offer help and support, working together with you to achieve mortgage success.

7 Days a Week

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We know that a standard 9-5 schedule doesn’t work for everyone, so we offer flexible appointment times that cater to your personal lifestyle. And, if you have any questions or concerns, rest assured that we’re always available to answer your call.

We take the confidentiality and professionalism of our service very seriously, ensuring that our mortgage advisors in Gilberdyke provide a safe and comfortable environment throughout every stage of the mortgage process. So, whether you’re a first time buyer or a seasoned homeowner, you can trust us to provide the support and guidance you need to secure your dream home.

Malcolm and Amy Davidson - Mortgage Advice in Hull

Common Mortgage Questions in Gilberdyke

Why Speak to a Mortgage Advisor in Gilberdyke Today

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At Hullmoneyman, we pride ourselves on offering top-notch customer service, which is the foundation of our business. As a trusted mortgage broker in Hull and surrounding areas, including Gilberdyke, we go above and beyond to ensure that our customers are fully satisfied with our service.

Our dedication to providing exceptional customer service is evident in our glowing reviews from happy customers who achieved their desired results, whether they were first time buyers in Gilberdyke or looking to remortgage in Gilberdyke.

Our team of friendly mortgage advisors in Gilberdyke is committed to providing you with a comprehensive support system throughout your entire mortgage journey. We are always responsive, caring, transparent, and truthful during every step of the mortgage application process.

We invite you to take advantage of our free mortgage appointment service, which is available to all of our clients. It’s our pleasure to offer expert mortgage advice in Hull and surrounding areas as you work towards achieving your mortgage goals. Get in touch with us today, we can’t wait to hear from you!

Can I Get a Second Mortgage in Gilberdyke?

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Aa a mortgage broker in Gilberdyke, we have helped many clients obtain a second or even third mortgage. There are several reasons why one may need to take out additional mortgages, such as buy to let, let to buy, or to purchase a holiday home or a property for a family member.

It’s important to note that most lenders require a substantial deposit and a good credit score to be eligible for an additional mortgage, and the borrower must demonstrate the ability to make monthly mortgage payments. If you are considering a buy to let or let to buy mortgage in Gilberdyke, your tenant’s rent may cover the mortgage payments.

We highly recommend speaking with one of our expert advisors in Gilberdyke to determine your eligibility and find the right mortgage product for you. With over 20 years of experience in the mortgage industry, our team is well-equipped to help you navigate the process of obtaining an additional mortgage.

Why use a mortgage broker in Gilberdyke like us?

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As a mortgage broker in Gilberdyke, we are committed to supporting you throughout your entire mortgage journey. Our experienced mortgage advisors in Gilberdyke will help you find the most suitable mortgage product for your unique personal and financial situation. We will guide you through the application process and eliminate any stress that may arise, ensuring that you obtain the keys to your dream home.

We are mortgage experts with extensive experience in helping a diverse range of buyers. Our expertise extends to various types of mortgages, including buy-to-let, self-employed, equity release, and mortgage insurance and protection. To make obtaining mortgage advice in Gilberdyke even easier, you can book a free mortgage appointment or schedule a callback with one of our mortgage advisors in Gilberdyke online.

When Should I Get an Agreement in Principle in Gilberdyke?

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An agreement in principle, also known as an AIP, is a document issued by a lender to indicate their willingness to lend to you, provided you provide supporting documentation to prove your income and affordability for a mortgage in Gilberdyke.

Having an AIP is a crucial step in the mortgage process. It can help you make an offer on a property and even negotiate prices with the seller. If two buyers approach a seller and one has an AIP and the other doesn’t, the seller is more likely to choose the buyer with an AIP as they have already been agreed in principle, making the process faster.

AIPs typically last between 30-90 days and can be renewed upon expiry. To obtain an agreement in principle, you can speak with one of our mortgage advisors in Gilberdyke, who will be happy to assist you.

How Does the Free Mortgage Appointment in Gilberdyke Work?

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During your free mortgage appointment, which typically lasts between 30 to 60 minutes, you will have the opportunity to speak with one of our experienced mortgage advisors in Gilberdyke.

Our mortgage advisor in Gilberdyke will ask you a few questions to understand your unique mortgage needs and what you hope to achieve. They will also need to inquire about your personal and financial situation to determine which mortgage products may be suitable for you.

After the free mortgage appointment, our team will work diligently to find the ideal mortgage product for your individual situation. At Hullmoneyman, we specialise in finding tailored deals for our clients, and we’re confident we can do the same for you.

I Have Bad Credit, Can I Get a Mortgage in Gilberdyke?

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Obtaining a mortgage in Gilberdyke is still possible even if you have bad credit. There are mortgage lenders who specialize in providing products for buyers with poor credit. However, you may be required to provide a larger deposit, typically around 10% to 15% of the property value.

If you have bad credit and are looking for a mortgage in Gilberdyke, our mortgage advisors in Gilberdyke are ready to help you. We can offer advice on how to improve your credit score and guide you in the right direction. We understand that applying for a mortgage can be daunting, especially if you have bad credit, but we are here to provide you with the support and assistance you need. Get in touch with us today to learn more.

How Much Deposit Do I Need for a Mortgage in Gilberdyke?

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When it comes to getting a mortgage in Gilberdyke, most lenders will require you to put down a minimum deposit of 5% based on the property value. However, in some cases, you may be asked to provide a larger deposit, usually around 10-15% of the property price.

This requirement could be due to factors such as your credit score. If you have a history of missed payments or unsecured debt, it may affect your ability to secure a mortgage. Since a mortgage is a significant loan, lenders want to ensure that the applicant is financially responsible and can meet their repayments. Therefore, they may ask for a higher deposit to mitigate any risks.

At Hullmoneyman, we can help you navigate the complexities of the mortgage application process and find the right lender for your situation, whether you have a good or bad credit score. Get in touch with our expert mortgage advisors in Gilberdyke for a free mortgage appointment today!

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Foundation Home Loans & 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

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