Mortgage Advice in Hornsea

Get your free appointment 7 days a week

Reviews io White Logo

Read our 622 Reviews

Reviews IO Stars

First Time Buyer

Remortgage

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Malcoms Image

Open & Honest Mortgage Advice in Hornsea from Advisors with experience of every mortgage on the market.

For your FREE mortgage appointment call 01482 772 986

Book Online

For your FREE mortgage appointment call 01482 772 986

Malcoms Image

Open & Honest Mortgage Advice in Hornsea from Advisors with experience of every mortgage on the market.

Book Online

Mortgage advice
your way

First Time Buyer

Remortgage

Buy to Let

Right to Buy

Self Employed

Help to Buy

Specialist

Reviews Stars4.98 Rating622 Reviews

Mortgages for Home Buyers and Homeowners in Hornsea

As expert providers of fast and friendly Mortgage Advice in Hornsea, we find that it isn’t often we’ll come across a situation we haven’t seen before.  As a Mortgage Broker in Hull and Hornsea, we have worked alongside a wide variety of different customers in helping them to reach their mortgage goals.

 

Whether you’re a first time buyer in Hornsea, looking at moving home in Hornsea, or you want to remortgage in Hornsea, we always aim for the top, hoping to find you mortgage success. Of course these will not be the only mortgage options that you have access to, with some further topics being explored below. You’ll find that during your mortgage process, there are a lot of different options you can choose from.

First Time Buyer in Hornsea

First Time Buyers in Hull & Hornsea may find the initial process daunting, unsure of what they need to do to get onto the property ladder. The nerves are understandable, as this will most likely be the biggest financial commitment that you ever make. As a first time buyer, you may have access to various schemes, such as Right to Buy, Help to Buy, Shared Ownership and more.

 

We are here, as expert mortgage advisors in Hull & Hornsea to help you get onto the property ladder. We’ll be able to correctly advise on the right steps for you to take, what schemes you may have access to and more, on the road to becoming a first time homeowner. We’re here to support you, from your initial appointment, all the way through until your mortgage completes and beyond.

Buy to Let in Hornsea

Perhaps you’re a current property investor looking to make an additional purchase. You could be a first time buyer, first time landlord, looking to make a splash in the property market with your first Buy to Let property. Being in Hornsea, maybe you’re looking to dip your toe into the world of holiday lets. Buy to Let is a commonly encountered mortgage scenario here at Hullmoneyman, as it can yield great reward for landlords over time.

 

Our dedicated team of hard working and trusted mortgage advisors in Hull & Hornsea like to build relationships with the landlords they speak to. We like to support them as they grow their property portfolios. No matter if you are purchasing a property in your name or with a SPV (Special Purpose Vehicle), such as a Limited Company, this will always be the case.

Remortgage in Hornsea

Maybe you aren’t even looking to buy a new home? If you’re already a homeowner, you may be content with remortgaging your current property once you’re nearing the end of your initial fixed-period. There are lots of different options for remortgaging that you may not be aware of.

 

For many, remortgaging allows them to move onto a better deal, reducing their mortgage payments as their term continues. Some may look to release equity to help fund any home improvements. There are additional reasons to, such as capital raising and a whole host of other scenarios. Regardless, remortgages are widely popular for homeowners who are fond of their homes and would rather not move.

Self Employed in Hornsea

Self-employed mortgage applicants in Hull & Hornsea may find that evidencing their income is the hardest part of the process. The challenge comes from having to provide proof that you can maintain a consistent and sufficient income. Though it can be tricky, it’s not impossible to get a mortgage by any means.

 

We are very experienced in helping self-employed mortgage applicants to purchase a home. A dedicated member of our mortgage advice team will take a look at your case, recommending the best mortgage deal for your situation and best advising on what you should do next. It is our hope that in doing so, you’ll be more likely to find yourself a mortgage.

Moving Home in Hornsea

If you are homeowner in or around Hornsea already and are heading towards the end point of your initial fixed-period, you may be wanting to move home. There are lots of reasons why someone may skip a remortgage and look to move home. You could maybe be requiring the space for an office or family growth? Would you like to have better living costs? Some may just want a change of scenery.

 

We are proud of our ability to offer a top level of mortgage advice in Hull & Hornsea. The home moving process is stressful and we want to help. You already have to find a buyer, pack everything up and prepare for your purchase, without the added stress of a mortgage. Let us take that weight off your shoulders!

Why choose Hullmoneyman?

We have been working as a trusted mortgage broker in Hull for well over 20 years now. Throughout our history in the industry, there is a high chance that our dedicated Mortgage Advisors in Hull & Hornsea have come across most mortgage scenarios that you could think of!

 

Using our in-depth lender knowledge, combined experience and team determination, we will give our all, to help you find the mortgage deal for your circumstances. With lots of factors to look at such as how your credit file is looking and affordability checks, we will hopefully be able to help you obtain a mortgage.

Our Service is 7 Days a Week

Our dedicated mortgage advice team in Hull & Hornsea are here to answer your mortgage queries. We are here 7 days a week, from early in the morning until late at night, to give our customers a top level mortgage service that is accessible at times that fit you, appointments subject to availability.

 

We always have our customers best interests at heart, no matter the case. Let us help you find the best mortgage deal!

Contact your Mortgage Broker in Hornsea

If you need help with your mortgage, book an appointment to speak with a reputable and experienced Mortgage Broker in Hull & Hornsea today. Our team of mortgage advisors in Hull offer a high quality, fast & friendly mortgage advice service in Hornsea.

 

Regardless of if you are a First Time Buyer, in the market for a new home, are an existing or first time landlord looking to obtain a Buy to let mortgage, or just need some specialist Mortgage Advice in Hornsea, we are here to help.

 

Book a free mortgage appointment today or a free remortgage review if you’re reaching the end of your fixed-period. An open & honest mortgage advisor in Hull & Hornsea will do what they can to help you on your way to mortgage success.

About Us

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!

Find Your Mortgage Broker in Hornsea on Social Media

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.

Stress-Free Remortgage Advice in Hornsea

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 search 1000's of mortgage deals across a large number of lenders, including:

Mortgage Lenders 001
Mortgage Lenders 002
Mortgage Lenders 003
Mortgage Lenders 004
Mortgage Lenders 005
Mortgage Lenders 006

Common mortgage questions

Our free initial mortgage consultation will last roughly one hour. Lucky for you, as an experienced Mortgage Broker in Hull, we can turn around an Agreement in Principle within 24 hours. All we need is a quick phone call to gather the necessary information. A formal mortgage offer takes about three to four weeks on average.

If you’re an employee, you will usually have to supply three payslips and the latest P60 to prove your income. If you are Self Employed in Leeds, it is typically the latest two years’ tax calculations and correspondings overviews. You will also need to provide proof of ID (Driving license or Passport). Proof of Address (Utility bills, tax bills or credit card statements) and three months’ bank statement. You are proving the deposit built up with an explanation for any significant credits.

The good news is it may be possible to get a mortgage if you are self-employed in Hull. To qualify, you need to submit at least one years’ accounts. Doing so will help to increase the likelihood of obtaining a mortgage. Most lenders take a look at your salary plus dividend to calculate the maximum mortgage amount. Others may go off your net profit. It all depends on the lender.

The good news is that you may find it a bit more challenging to obtain a mortgage despite having previous credit issues on your record. But it doesn’t mean it’s impossible, and you may still be able to get one! It just means that some Lenders may ask for a slightly higher deposit of around 10-15%.

Most high street mortgage lenders will usually ask for a minimum of a 5% deposit. This percentage may be higher depending on your previous circumstances, e.g. if you’ve had any past credit issues.

The good news is it is possible to have two mortgages in Hull running simultaneously, as long as you can afford to repay the monthly instalments on each of them. If you’re looking to accomplish something like debt consolidation or home improvements, you may be able to place a second mortgage on your home.

An Agreement in Principle typically lasts for 30-90 days. However, this timeframe is up to the Lender. If your Agreement in Principle expires, worry not; you can renew it by getting back in touch with your Mortgage Advisor in Hull.

As a Mortgage Broker in Hull, we recommend that you obtain an Agreement in Principle (AIP) as soon as you can, preferably before you start viewing properties. Having an Agreement in Principle in place when you are viewing houses could potentially allow you to negotiate prices.

Our mortgage process consists of multiple different steps. The first step is to get in touch, and one of our trusted mortgage advisors in Hull will carry out a Fact Find to get a bigger picture of your mortgage situation.

Secondly, you’ll undergo your free mortgage consultation, and your assigned dedicated Mortgage Advisor in Hull will begin searching for mortgage deals that match your circumstances. If they find you an offer that you are happy to proceed with, we can get the ball rolling with your mortgage application.

Next, they will perform a credit check on you to obtain an agreement in principle. Some evidential documents will be required from you to help back up your mortgage application.

Lastly, they will submit your mortgage application and wait for a formal mortgage offer to be issued.

Your free initial mortgage consultation with your dedicated Mortgage Advisor in Hull will last around an hour. During this consultation, we will get to learn a bit more about your mortgage needs and what you are looking for. Once we know more about your personal and financial situation, we will start looking for mortgage deals that will match you perfectly.

Malcolm's
mortgage guides

Enquire Online

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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Hullmoneyman

Hullmoneyman, 410 Wincolmlee, Hull, HU2 0QL.

Moneyman Logo







Moneyman Logo




Moneyman Logo

Ask Your Question





    Moneyman Logo

    Moneyman Logo







    Moneyman Logo

    Book your Free Consultation

    7 Days 8am - 10pm

    Moneyman Logo

    Moneyman Logo