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Mortgage Broker in Howden

& 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 Howden

& 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 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.

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.

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Your Mortgage Options in Howden

All of our Customers Receive a Free Mortgage Appointment!

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.

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Your Mortgage Options in Howden

First Time Buyer Mortgages in Howden

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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.

Moving Home Mortgages in Howden

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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.

Buy to let Mortgage Howden

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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.

Remortgaging in Howden

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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.

Self Employed Mortgages Howden

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If you are self employed in Howden, 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 Howden 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 Howden

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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.

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Our Simple 4-Step Process

Book Online

Step 1

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.

Free Mortgage Apppointment

Step 2

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.

Finding a Suitable Product

Step 3

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.

Submit Your Application

Step 4

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.

Reasons to Choose us

Free Appointment in Howden

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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. As a responsive mortgage broker in Hull 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.

Search 1000s of products

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During any mortgage journey, our friendly mortgage advisors 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.

Our Service

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Providing open and honest mortgage advice in Hull 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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Hull

Common Mortgage Questions in Howden

How much deposit do I need for a mortgage in Howden?

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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.

How does the mortgage process work in Howden?

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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!

When should I obtain an agreement in principle in Howden?

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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.

Can I get a mortgage in Cottingham with previous credit problems?

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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.

Are there fees involved in a remortgage in Howden?

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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.

We Search 1000s of Mortgages in Howden

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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

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