Mortgage Broker In West Hull

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Providing Mortgage Advice Services in West Hull

Our customers can rest assured that they are in safe hands with us!

Providing Mortgage Advice Services in West Hull. 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.

During the mortgage process, we can ensure that we will try our hardest to save your time, your money and find the best mortgage deal for you, no matter the circumstances.

 

Open & Honest Mortgage Advisor in West Hull

No matter what mortgage situation is, we will be more than happy to try and help you! We may be able to help you with:

Schedule a  free mortgage consultation with our expert Mortgage Advisors in West Hull today!

 

Here are some facts about us:

  • 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

 

Need Help from a Friendly Mortgage Broker in West Hull?

In most cases, we tend to find that our new clients have previously spoken to a bank, who have turned them away. Fortunately, we have lots of experience within a wide variety of circumstances and will always try our best to work around them for you.

 

Common Mortgage Situations in West Hull

  • Divorce/marital split-ups
  • Income Structure
  • Non-Standard Property Types
  • Self Employed Applicants

 

If one of these circumstances is applicable to your situation, please get in touch and we can see what we can do to help you through this process. If your circumstance is not listed above, we may have dealt with something similar before, so don’t hesitate to get in touch with our friendly mortgage advisors.

We love a great challenge and we will do what we can to help you through the mortgage process. We hope that you get in touch with your Mortgage Broker in West Hull soon!

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

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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 West Hull 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 West Hull

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

Our free initial mortgage consultation will last roughly 30 mins. 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 30 mins. 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.

 

Malcolms
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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

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

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