Providing Mortgage Advice Services in Goole. If you choose us, we will do our best to save your time, your money and find the best possible mortgage deal for you, no matter the circumstances. We ensure that customers walk away with a smile on their face and leave satisfied with their service from our fantastic advisors.
If you are after First Time Buyer Mortgage Advice in Goole, Buy to Let Mortgage Advice, Moving Home Mortgages, looking to Remortgage or you are Self Employed and wanting Mortgage Advice, then we may be able to help you out.
Clear and simple Mortgage Advice in Hull
If your situation is more obscure and complicated, do not worry – you are in safe hands with us.
A free mortgage consultation is available for all of our lovely customers our expert mortgage advisors in Goole who are always happy to help you with your mortgage needs.
If one of these circumstances is applicable to your situation, please get in touch and we can see what we can do to help you through this process. If your circumstance is not listed above, we may have dealt with something similar before, so don’t hesitate to get in touch with our friendly mortgage advisors. We love a great challenge and we will do what we can to help you through the mortgage process.
With our in-depth knowledge of lending criteria from a very large number of mortgage lenders and years of experience, we are usually able to help these clients secure mortgage deals. Speaking to an experienced advisor can be extremely beneficial, which is where our team come in. We will help give you an idea of budget, as well as ensuring you’re prepared with a Mortgage Agreement in Principle to support any offers you make.
If you have an enquiry about a potential mortgage, need open and honest advice on your existing mortgage, or you are looking to remortgage; our fantastic team of advisors would love for you to get in touch. Our friendly communications team are available from 8 AM until 10 PM every day, ready to assist with your every need.
Please feel free to get in touch with a new mortgage enquiry or to discuss one you are having problems with!
We very much look forward to hearing from you soon!
We take a great deal of pride in the level of customer service we provide, it’s at the heart of everything we do. Whether you’re dealing with a mortgage advisor or an administrator, our brilliant team are here all throughout the week until late at night, supporting you and your mortgage needs. We love being responsive to your enquiries!
We’re also quite active on Facebook and Twitter, sharing news and mortgage tips from our website on a daily basis, so it’s always worth checking up to see if there’s something that may help. If you have a mortgage enquiry, we always have someone monitoring the messages ready to respond if needed.
You can worry less when it comes to the remortgage process! You already own your house this time, so this cuts out the property chain. We will do what we can to ensure that this time around things go as quickly and as smoothly as possible.
We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.
We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.
Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.
You will need to have at least 5% of the sale price of your new build property in Hull. The Government will then loan you up to 20% to the properties value.
The discount provided by the council will often be used by lenders as your deposit. Some lenders however, will require you to put down a deposit in addition to the discount. This is sometimes the case if you’ve been struggling with credit problems. Our Mortgage Advisors in Hull are able to answer your right to buy deposit questions.
Though it can vary between 20%-40%, the minimum deposit for a buy to let mortgage is usually 25% of the property value.
Your chances of saving money go up if you are on your lenders SVR (Standard Variable Rate of Interest). We will compare the new products available against your current mortgage deal, in order to work out these savings for you. If you have equity in your property in Hull, a remortgage would also allow you to release some of this money if required. Usually, this is used for things like home improvements.
You can remortgage and increase the size of your mortgage to pay off any unsecured debts you may have. Please do not rush into this though as there are some downsides. We recommend that customers always seek Mortgage Advice in Hull before consolidating debts!
Your initial free remortgage consultation in Hull will last around 1 hour. We will then compare a new deal vs your current product and recommend the most appropriate one, with no obligation to you. You can then decide whether you wish to go ahead with the mortgage, or take a step back.
The fees will be similar to the ones involved when you started your current mortgage. However, your dedicated Remortgage Advisor in Hull will run through all of the fees with you. Taking these into consideration when comparing the savings of the new deal vs your current mortgage.
Your free mortgage consultation in Hull will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.
As your Mortgage Broker in Hull, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an agreement in principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.
To avoid possible disappointment, we recommend you obtain an agreement in principle before you begin viewing properties in Hull. At the very latest you should obtain one prior to making an offer to assist your bargaining position.
An agreement in principle typically lasts for between 30 and 90 days depending on the lender used. If your agreement in principle expires it can always be refreshed.
There may be a chance to obtain a second mortgage on your home for things like debt consolidation or Home Improvements. There may also be a possibility for you to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit when purchasing a house in Hull with high street lenders is typically 5%. This can be higher if you have had previous credit problems.
If you have had credit problems you can still get a mortgage in Hull, however, you may be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.
Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most lenders use your salary plus dividend to calculate the maximum mortgage you can borrow in Hull, whereas others are known to go off your net profit.
It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed applicants. You will also need to produce proof of ID, address and 3 months’ bank statements.
Your free consultation in Hull will likely last up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.