Mortgage Broker in Howden
Mortgage Advice in Howden
Book Your Free Mortgage Appointment Online
Read our 677 Reviews
We have over 20 years of experience in the mortgage industry, let us take the stress out of your mortgage process and help you find that perfect mortgage product along the way!
For your FREE mortgage appointment call 01482 772 986
Book OnlineFor your FREE mortgage appointment call 01482 772 986
We have over 20 years of experience in the mortgage industry, let us take the stress out of your mortgage process and help you find that perfect mortgage product along the way!
Book Online4.98 Rating677 Reviews
Tom
Matt has been brilliant all the way through kept in touch and explained everything in detail. Would certainly recommend !!
1 day ago
Kristy
Chris went above and beyond to help me obtain a morgage, after many set backs we eventually got the result we wanted.. couldn't be any more grateful
2 days ago
Mark
As always very helpful with what we required
5 days ago
Natalie
Happy we went with hullmoneyman when we got our first mortgage coming up to 4 years ago, they've been helpful and fully informative all the way. Would highly recommend
1 week ago
Freya
Brilliant service, we could always get in touch and ask whatever questions we needed. Being first time buyers this has been new and stressful territory and it was much easier knowing we could trust Hull Moneyman.
2 weeks ago
Martin
Swift and very helpful, they was my go to people for anything I was worried about as a first time buyers and put my mind to rest.
3 weeks ago
Jason
Stacie and Dinah have saved me more money yet again. I remortgaged my house last month when mortgage rates were high due to a lot of uncertainty in the market. It is due to complete at the end of this month and since then rates have gone down. I...
4 weeks ago
Kelly
Massive thank you to Jason at hull Moneyman who has been amazing throughout the whole process of getting a mortgage. I highly recommend this company who make things so much easier. Very professional and helpful.
1 month ago
Stacey
We have today completed on our first property purchase and cannot thank Chris Thompson enough. Chris is incredibly knowledgable, professional and has excellent communication skills which made the whole process stress free from the start. A huge...
1 month ago
Kirsty
As a first time buyer Wayne and the team were so helpful and supportive. Right from the initial consultation Wayne took the time to listen to me, answered all of my questions and gave recommendations based on what I was saying. There was never any...
1 month ago
Katarzyna
Fantastic, friendly and efficient. I have been used the service for the second time and would recommend to anyone.
1 month ago
Agnieszka
We are buying house second time with Hullmoneyman and we are pleased with the service. Team is fantastic and very professional Charlie Bryson - our advisor section time did everything in very professional manner and with prompt response for our...
1 month ago
Cameron
Amazing, was really pleased with the service from Chris & Lizzi. Really appreciate everything they’ve done for me. Would definitely recommended!
1 month ago
Anonymous
Nice and helpful without the hassle of doing it yourself
1 month ago
Anonymous
Always knowledgeable, friendly and helpful - an excellent and efficient team whose services I have called on several times over the last 18 years and would highly recommend.
1 month ago
Emma
Thank you Conor for your help and guidance you made the process easy and explained everything Thoroughly.
1 month ago
Wayne
This was my second time using UK moneyman and will definitely be recommending them! Stacey provided an excellent service and was very efficient. Thank you Stacey for all your help, offer turned up earlier than expected 😉
2 months ago
Idris
I found Dinah at UKMONEYMAN very helpful and supportive all the way through my application. All my questions were answered in a timely manner with clear explanation. Dinah was always available whenever I required something. Thank you for your...
2 months ago
Danny
Excellent service, answered all questions and queries. Dinah was fantastic
2 months ago
Joe
Excellent from start to finish. Very informative and quick to respond . We would highly recommend Hull Uk Moneyman and will be using them again in the near future without hesitation. Thank you
2 months ago
- Mortgage Advice
- Why Us?
Mortgage Broker in Howden | Mortgage Advice in Howden
As your mortgage broker in Howden, it is our job to support and guide you through your entire mortgage process. Our 20 years of experience in the mortgage sector has allowed us to work with many different types of mortgage applicants. From first time buyers and home movers to buy to let landlords and the self employed, we will try our best to help you secure an excellent mortgage product that suits your individual circumstances.
Our team work 7 days a week to ensure that you are able to get in touch at a time that best suits you. We offer a free mortgage appointment to every customer, all that you need to do is book online. Simply answer a few questions about what you are looking to achieve from your mortgage and then select a date and time that fits around your personal and working life.
Searching 1000s of mortgages in Howden
On panel, we have a wide variety of mortgage lenders that we are able to access on your behalf. Your mortgage advisor in Howden will search through this panel in order to find the most suitable mortgage product for you and your personal and financial situation.
Unlike a bank or building society, as a mortgage broker in Howden we are able to access 1000s of mortgage deals through various different lenders. They will only be able to offer you their in-house products, which may not be suitable for your circumstances.
If you get declined by your bank, we would advise that you do not keep applying with them. The more that you are declined, the more harm you are doing to your credit score. A mortgage broker in Howden, like ourselves, has access to both high street and specialist mortgage products that may be more suited to you than the deal found by your bank.
Mortgages for Home Buyers and Homeowners in Howden
Our experience lies with all kinds of mortgage scenarios. We have over 20 years of experience in helping mortgage applicants; those in specialist scenarios too. Don’t hesitate to get in touch with our team even if you think that your situation is too complicated.
First Time Buyer Mortgages in Howden
When you’re taking on the mortgage journey as a first time buyer in Howden, we want to make sure that you get through the process with the least amount of stress possible. The mortgage process, particularly your first experience, can get a little confusing and it can be extremely beneficial to have a helping hand along the way.
As a mortgage in Howden, we help you prepare your whole mortgage application and find you the perfect mortgage product for your first home. Having our help could also save you time and money, which could be just what you need when you consider the costs that come with buying a property.
If you are struggling to begin your first time buyer mortgage journey, perhaps you should consider utilising a government-led scheme to give your application an extra boost. OwnYourHome.gov.uk is where you will find a list detailing these schemes; alternatively, you can reach out to one of our mortgage advisors in Howden and they will be happy to answer your questions.
Buy to Let Mortgage Advice in Howden
If you are either a current landlord looking to expand your buy to let portfolio or an aspiring landlord looking to make your first buy to let investment, using a mortgage broker in Howden can be extremely beneficial. Remember that you still need to find a competitive mortgage product for your property and prepare your buy to let application.
If you reach out to a mortgage broker in Howden like us, we are able to analyse your personal and financial buy to let situation and work out what sort of mortgage products are best suited to you. You never know, we could manage to save you money on your buy to let mortgage in Howden.
Remortgage Advice in Howden
When you are approaching the end of your fixed-rate mortgage term, you need to start thinking about taking out a new mortgage product. If you do not take out a new mortgage deal before your current one expires, you will fall onto your lender’s standard variable rate of interest. This rate will likely increase your monthly repayments.
We can help you find a remortgage product to switch over to before you fall onto your lender’s standard variable rate of interest. Your mortgage advisor in Howden will do this by searching through our panel of buy to let mortgage lenders.
We can also explore alternate remortgage options with you such as remortgaging for home improvements, equity release and debt consolidation.
Moving Home Mortgage Advice in Howden
Moving home can be a stressful experience, and this is because you are buying and selling a home at the same time. We want to take the mortgage side of the process out of your hands and remove all of the stress from moving home in Howden.
Firstly, if you are unable to port your mortgage, you need to find a new mortgage for your new home. This is where we come in! As your mortgage broker in Howden, we can help you find that perfect deal for your new home.
Mortgage Options for those aged over 50 in Howden
In-house, we have a dedicated later-life team to help you through your mortgage journey. Even if you think that it is not possible to get a mortgage at your age, you may be wrong! It is always worth getting a second look at your case and review your options. You can book a free mortgage appointment with a later-life lending expert in Howden today.
Our Simple 4-Step Process
The first step is for you to get in touch with our team of mortgage experts to book your free mortgage appointment. You can do this by giving us a call or booking your free mortgage appointment online. We work 7 days a week, therefore, you can book a mortgage appointment at a time that best suits you and your busy working and personal life.
During your free mortgage appointment, you will be asked questions regarding your personal and financial situation so that your mortgage advisor in Howden can get an idea of what you are looking to get out of your mortgage process. This can also help them work out what sort of deals you can access. They will then go away and find the perfect mortgage product for you.
Once your mortgage advisor in Howden has found a mortgage product suited to your personal and financial situation, they will present it as a mortgage illustration. If you are happy to continue with us and the deal, the next step is to hand you over to your dedicated case manager to prepare your mortgage application.
After you submit your mortgage application to the lender, it’s just a waiting game now. Once your case manager hears back the good news, all that you need to do is collect the keys for your new property and begin moving in! We will be back in touch when it is time for your remortgage to ensure that you are still on the best rate available to you.
Why choose us as your Mortgage Broker in Howden?
Our team have been working in the mortgage sector for over 20 years now, which has allowed us to deal with many different types of applicants in different situations. Don’t hesitate to get in touch even if you feel that your situation is a little too complicated as we may be able to help.
As a mortgage broker in Hull, we are able to search through 1000s of mortgages on your behalf. We have both high street and specialist lenders that we can access to find the perfect deal for you.
We offer a free mortgage appointment with a mortgage advisor in Howden so that you get the chance to speak with a professional before taking action on your mortgage. They will run through all of your options with you and how our process works.
We can arrange a mortgage agreement in principle (AIP) for you within 24 hours of your free mortgage appointment. As a responsive mortgage broker in Hull this is part of our fast and friendly service.
We search 1000's of mortgage deals across a large number of lenders, including:
Free Mortgage Appointment in Howden
It has never been easier to book a free mortgage appointment. You can either give us a call or book online via our "Get Started" process. You can book your free mortgage appointment during the morning, afternoon or later in the evening.
Find Your Mortgage Broker in Howden on Social Media
You will regularly find us posting helpful, mortgage news and market updates across our social media channels.
Stress-Free Mortgage Advice in Howden
We want to take every aspect of stress out of the mortgage process. We do do this by making sure that we provide our full support and guidance from start to finish. For any questions or queries, you can give us a call or drop us a message.
Common mortgage questions
If you are looking to take out a mortgage in Howden, you will need to provide a deposit of at least 5% of the property’s value. Nevertheless, if you have a poor credit score, certain lenders may mandate a more substantial deposit, ranging from 10% to 15% of the property’s value.
Working with a mortgage broker in Howden can simplify your mortgage journey and potentially save you both time and money.
When you contact us, one of our mortgage advisors in Howden will conduct a comprehensive fact-finding process to understand your unique mortgage requirements and situation. Based on this information, your advisor will identify the most suitable mortgage option for you. If you decide to proceed with us and the chosen mortgage product, we will initiate the process of preparing your mortgage application.
Here a dedicated case manager will be assigned to you, who will assist you in completing your mortgage application. Once completed, we will submit it to the mortgage lender on your behalf. Your next step is to await the issuance of a formal mortgage offer!
Before attending property viewings, it’s recommended to obtain an agreement in principle (AIP). This document verifies that the lender is prepared to lend to you, based on your ability to provide satisfactory evidence of your income and affordability.
AIPs usually remain valid for 30 to 90 days. If your AIP expires, you can quickly renew it by reaching out to a mortgage broker in Howden like us, and we’ll arrange for a new one within 24 hours.
Although it can be challenging, securing a mortgage with a bad credit score is not entirely impossible. The lender will scrutinise your credit history to assess the lending risk and your ability to repay your mortgage.
If you need help from a specialised mortgage advisor in Howden, feel free to get in touch with our team or schedule a free mortgage consultation online.
When you’re looking to remortgage, it’s crucial to bear in mind that the expenses involved will be similar to those incurred during your initial mortgage acquisition. To get an idea of these charges, you can ask your remortgage advisor in Howden for a full breakdown.
You will usually be faced with costs such as arrangement fees, property surveys, and broker fees. It’s essential to factor in all of these expenses before taking out a new product.
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