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Mortgage Broker In Kirk Ella

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Providing Mortgage Advice in Kirk Ella

Providing Mortgage Advice Services in Kirk Ella. Our customers will always be in safe hands with us! No matter the circumstances, we are here to save your time, save your money and find the best, most appropriate mortgage deal for you.

Why use a Mortgage Broker in Kirk Ella?

If you are after First Time Buyer Mortgage Advice in Kirk Ella, 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

 

A free mortgage consultation is available for all of our lovely customers.

Here are some facts about us:

  • We’re free from Estate Agents, so we have only your interests at heart
  • We are Authorised and regulated by the Financial Conduct Authority
  • We search 1000’s of Mortgage offers for you
  • Experienced in Mortgage Situations and up to date with Lending Criteria

Having problems?

Often, we find that clients who contact us have already spoken to their own bank about mortgages. Usually, they have been told that they are unable to borrow enough for the property they like, or simply do not pass the banks strict mortgage criteria.

There are a few hurdles with the high street lender. These include; divorce / marital split-ups, income structure, the bank won’t lend enough, non-standard property types, self-employed applicants etc.

If you are experiencing a problem like this, then it is important to speak to an Open & Honest Mortgage Broker like us who may be able to help.

We have an in-depth knowledge of lending criteria from a very large number of mortgage lenders and years of experience – This means we are usually able to help these clients secure mortgage deals.

We work for you and provide guidance and experience throughout your home buying or remortgaging process.

Prior to viewing houses with estate agents, if possible, you should speak to a Mortgage Broker like us. This is so we can give you an idea of your budget and to have a mortgage agreement in principle document ready to support any offers you make.

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!

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 Kirk Ella 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 Kirk Ella

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.

Help & Support

We will help and support you throughout the whole process, helping you over any hurdles which may arise. 7 Days a Week.

Open & Honest

We’ll aim to make you feel relaxed and be open and honest – We’ll take away the stress.

Read Our Reviews

Please read our genuine customer reviews. We strive to offer the best Mortgage Advice service possible.

Open 7 Days

Our Mortgage Advice service is available mornings, evenings & weekends. We are here at a time that suits you and your family

Mortgage Advice

Unlike a Bank, we are able to search 1000s of mortgage deals in order to find you the best one for your individual circumstances

Common Mortgage Questions

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.

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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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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