If you are looking at getting a mortgage but are unsure of where to start or you are in need of a helping hand, as a mortgage broker in Hessle, we are here to help! Our goal is to get you through the mortgage process as swiftly and straightforwardly as possible.
Every customer has a varying financial situation with some having different mortgage goals. Whether the goal is to purchase their first home or move into a bigger property, our team will get to know your situation and find you the mortgage product that is appropriate for you.
We have built a fantastic reputation helping many customers achieve their mortgage goals and you could be next!
When you get in touch with our friendly team, you will be offered a free mortgage appointment to speak to one of our mortgage advisors in Hessle.
We understand that everyone’s day-to-day life is different and can go beyond the 9 to 5 which is why we are available 7 days a week from early in the morning until late. This means you can book your free mortgage appointment at a time that suits you by giving us a call or through our modern online booking system. Simply pick a date and time that suits you and we will allocate you to an expert advisor who is knowledgeable in your situation.
Our experience as an open and honest mortgage broker in Hessle has provided us with the opportunity to work with a large variety of mortgage applicants in Hessle with some of the cases being more straightforward than others. If you feel your situation if too complicated for the help of a mortgage broker in Hessle, please don’t hesitate to get in touch. We have built up fantastic experience and knowledge in complex cases and it is very likely we have encountered one similar to yours before!
You may be starting your mortgage journey with little to no knowledge of where to start. If you are in this situation, our team can help you kickstart your mortgage journey and find you the most appropriate deal for your new property.
The first step to take on your first time buyer mortgage journey is to work out your affordability for a mortgage in Hessle by looking at the amount you can borrow. Within your free mortgage appointment, your dedicated mortgage advisor in Hessle. As well as this, they will work out what type of mortgage products you will be able to access.
The experience of moving home has been renowned for being the most stressful experience which is understandable with needing to buy a new home but sell your current one too at the same time. This is where a mortgage broker in Hessle can help as they handle with mortgage aspect of the process so you can focus on the move itself.
As well as this, you will need to be aware of the costs that are involved in moving home. Within your free mortgage appointment, your dedicated mortgage advisor in Hessle will speak to you about the costs that come with moving home which is something you need to take into account when making an offer on a property.
With over 20 years of experience working in the mortgage industry under our belts, we have built fantastic relationships with budding and existing buy to let landlords. We have helped landlords investing in buy to let, let to buy, HMOs and interest only mortgage advice in Hessle. Whether you are looking to expand your existing property portfolio or looking to start one, get in touch with our team today!
Get in touch with our team or book online for your free mortgage appointment with our buy to let mortgage advisors in Hessle today.
If you are coming to the end of your initial fixed mortgage term, you will need to start exploring your remortgage options. Ideally, you will want to begin your remortgage process 6 months before your mortgage product ends. You may feel this is a bit premature, however, it gives you enough for you to look into your options to find the most appropriate mortgage product. As well as this, you will be reducing the risk of falling onto the lender’s standard variable rate.
If you end up on your lender’s standard variable rate, this could likely result in increased mortgage payments each month. This is due to the fact that their rate tracks the Bank of England’s base rate and they add their own percentage on top of that rate. With this in mind, remortgaging can be huge benefit.
If you are looking to explore your mortgage options in Hessle, our team can help with releasing equity, funding home improvements and debt consolidation.
For self-employed mortgage applicants in Patrington, providing evidence of their income can be the most challenging part of the process. This is due to the need to demonstrate a consistent and adequate income. While it may be difficult, obtaining a mortgage is not impossible.
Our team has extensive experience in assisting self-employed mortgage applicants in purchasing their homes. A member of our dedicated mortgage advice team will assess your case and suggest the most suitable mortgage deal for your situation, offering guidance on your next steps. We aim to increase your chances of securing a mortgage through our assistance.
If you are over the age of 50 and are looking at exploring your mortgage options, our team are here to help. We have an expert team who specialise in mortgages for over 50s and you can book a free consultation with one of them. Give us a call or schedule an appointment online.
Our Customers Love Us
4.98 Rating761 Reviews
Paul
I would like to give a big thank you to Hullmoneyman especially Malcolm great experience great customer service far the best and his team thank you guys.
1 day ago
Sean
I have used moneyman three times now and have never had it so easy
4 days ago
Paulina
Moneyman we couldn't have made a better choice. Malcolm and Catherine did a great job. We received the service we expected from a mortgage advisor. Fast and easy communication every day of the week. Thank you very much 😊
5 days ago
Anonymous
Very good, fast and efficiency
1 week ago
Wayne
Super fast
1 week ago
Mr Leon
Excellent, easy going, informative, friendly, made understanding mortage terms easier
2 weeks ago
Anonymous
Daniel has always been incredibly helpful in arranging things for me. He has made my life much easier when looking to remortgage.
3 weeks ago
Lisa
Hull Moneyman were very helpful.Sorted everything out for me from start to finish. Highly recommend.
3 weeks ago
Lyndsey
Dan was great during our meeting, gave us lots of info which helped us to decide which product to take.
1 month ago
Anthony
Excellent research by Malcom in finding the most competitive deal. Excellent after sales service by Jo. Thank you both
1 month ago
Demi
Brilliant service as always. This is my second time using Hull Moneyman and I am still super impressed the second time round with the service received.
1 month ago
Lucy
From start to finish excellent professional service, appointments all where super flexible around work commitments.
1 month ago
Natalie
Excellent service from all the Team from start to finish . Would recommend them . Answers all my questions quickly and explained fully
2 months ago
Deborah
Hullmoneyman has arranged my last few mortgages and dealing with them has always been a pleasure. Straightforward and quick.
2 months ago
Demi-Leigh
Used first time buyer years ago and helped. And then used again to help with my mortgage transfer and all went smoothly.
2 months ago
Lee
This is the second time we've used Hullmoneyman for our mortgage and they've been fantastic both times. Great service and great advice too, saved us a fortune and saved us lots of time and hassle. Would greatly recommend them to anyone.
3 months ago
Anonymous
Excellent advice and service… Dan went through everything and explained all aspects, Jonathan kept us up-to-date with all procedures. Solicitor even came to our house to complete signatures etc. From our meeting with Dan to completion only took 4...
3 months ago
Matthew
They were absolutely amazing in everything I can’t recommend them enough.
3 months ago
Joan
Excellent service. Paula was extremely helpful and understanding throughout. Will certainly recommend your services
4 months ago
Robert
Personally very happy with the service and interactions with the staff. Thank you.
4 months ago
Firstly, you need to book yourself in for a free mortgage appointment. We are open 7 days a week from early until late so you can book your appointment at a time that suits you, subject to availability.
When you have attended your free mortgage appointment and have spoken with your mortgage advisor in Hessle, they will then utilise the information you have provided them with to find an appropriate mortgage product for you. They will search through our large panel of lenders who offer both high street and specialist products. After, they will provide you with their recommendation.
If you are happy with the recommendation and would like that mortgage product, it’s then time to being preparing your mortgage application. At this point, you will be allocated a case manager who will help you arrange the required documents for your application. When everything is sorted and are all prepared, we will send it off!
It’s now a waiting game until there is a response from the lender. Our team will be in touch as soon as you have received a mortgage accepted. Lastly, you need to go and collect your keys and start moving into your new home!
As a responsive mortgage broker in Hull, our customers are at the heart of what we do and we strive in going the extra mile for them. Check out our brilliant customer reviews to see if we have helped someone in a similar position to yourself.
Our team of experienced mortgage advisors in Hull can search through 1000s of mortgage deals with our panel of lenders offering both high street and specialist products available.
Providing open and honest mortgage advice in Hull if you require assistance with your mortgage, schedule an appointment with our experienced and reputable mortgage broker in Hull today. Our team of mortgage advisors offers a prompt, friendly, and high-quality mortgage advice service in the area.
Take advantage of our free mortgage appointment or remortgage review if you are approaching the end of your fixed-term. Our transparent and trustworthy mortgage advisors in Hull will work with you to help you achieve your mortgage goals.
As part of the flexible service we offer, you can pick a date and time for your free mortgage appointment with slots 7 days a week from early until late (subject to availability). Whatever your day to day life looks like, you can rest assured that you can speak to an expert at a time that suits you.
An Agreement in Principle (AIP for short) is a document issued to you by your lender that shows that they are willing to borrow from them for a mortgage. Furthermore, it shows that you can provide evidential documents to show your affordability and income.
Here at Hullmoneyman, our team can arrange an AIP within 24 hours of your free mortgage appointment. Having this with you can be a brilliant tool when making an offer on properties and negotiating the seller’s asking price. If you are looking for ways to improve your skills when making an offer on a property, ask your mortgage advisor in Hessle for advice.
When seeking a mortgage in Hessle, it’s essential to provide a deposit. The minimum deposit required by numerous lenders is typically 5% of the property’s value. Nevertheless, depending on your prior circumstances, such as past credit problems, this percentage may increase. It could range from 10% to 15%.
As a mortgage broker located in Hessle, we recommend acquiring an Agreement in Principle (AIP) at the earliest opportunity if you are seeking a mortgage, ideally prior to commencing property viewings. By securing an AIP before embarking on house hunting, you may be better positioned to bargain with the seller over their asking price.
Our mortgage process consists of several stages. Initially, when you get in touch with us, one of our mortgage advisors in Hessle will carry out a Fact Find to gain a better understanding of your mortgage requirements.
Your designated mortgage advisor in Hessle will then commence a search for suitable mortgage deals that align with your individual and financial circumstances. If you are content with the mortgage product proposed, we can proceed with preparing your mortgage application.
Subsequently, we will conduct a credit check on your behalf to obtain an agreement in principle. You will be required to furnish us with some supporting documents to reinforce your mortgage application.
Finally, we will submit your mortgage application and await a formal mortgage offer to be granted.
The charges linked with a remortgage resemble those of your original mortgage application. If you seek a comprehensive outline of these expenses, reach out to our remortgage consultants in Hull.
We will make an effort to minimize these expenses while simultaneously examining your existing mortgage product in comparison to new options to determine if you qualify for a more favourable interest rate.
Acquiring a mortgage in Hessle while having a history of credit problems can be a difficult task, however, it’s not entirely unattainable. The outcome of your application will be influenced by the gravity of your past credit issues and the duration of time that has passed since they occurred. It’s crucial to bear in mind that lenders will scrutinize your credit record to evaluate the risk of loaning you money.
If you require tailored mortgage guidance in Hessle, do not hesitate to contact our team of mortgage specialists.
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