Income*

Is there more than one applicant?

Yes No

The total amount you can borrow can vary widely from Lender to Lender and the above is purely an indication of the maximum amount available based on your income for illustrative purposes only. The actual amount you can borrow will take other things into account such as credit commitments and the above should only be considered a guide figure.

You could borrow up to...

£0

Most lenders will require a 5% deposit

Viewing properties? We can arrange your agreement in principle within 24-hours!

A mortgage valued at £0 with a 4.5% interest rate over 25 years would cost you £0 per month, which is 0% of your pre-tax income.

Popular FAQs

Is the borrow calculator accurate?

The “How Much Can I Borrow?” calculator provides a helpful estimate based on your input of financial details, such as income and outgoings.

While it uses standard mortgage lending principles, the actual amount you can borrow will depend on more detailed affordability assessments conducted by lenders, including credit checks and individual circumstances.

Therefore, the calculator should be viewed as a guide, and speaking directly to a mortgage advisor will give you a more tailored figure.

How long does the mortgage application process take?

The mortgage application process can vary depending on your situation and chosen lender.

Typically, from submitting your application to receiving an offer, it can take anywhere from two to six weeks.

This timeline includes securing a decision in principle, undergoing credit checks, and the lender reviewing your financial details and documentation.

Can I get a mortgage with bad credit?

Getting a mortgage with bad credit can be more challenging, but it’s not impossible.

Some lenders offer specialist products for those with adverse credit histories, such as missed payments or County Court Judgements (CCJs).

Keep in mind that you may need a larger deposit, and interest rates could be higher than for applicants with a clean credit record.

What documents do I need to apply for a mortgage?

To apply for a mortgage, you’ll typically need to provide proof of income (such as payslips or tax returns for the self employed), bank statements, and proof of identity and address.

Lenders may also ask for details about any existing loans or debts, as well as your monthly expenses to assess your affordability.

Should I use a mortgage broker?

Yes, working with a mortgage broker can simplify the home-buying process and help you find the most suitable mortgage deal.

As a broker, we have access to a wide panel of lenders, including specialist options that might not be available directly to you.

We guide you through every step, from finding the most suitable rates to managing your application, ensuring you get the right mortgage for your unique circumstances.

Whether you’re a first time buyer, self employed, or have a more complex financial history, we’re here to help secure the most suitable outcome for you.

Our Customers Love Us

170 5 Star Reviews

clark stephenson

As this was the first house I'd ever bought I was very nervous about the whole procedure. Jason and Stacey were absolutely brilliant from start to finish. No question was stupid and everything was explained thoroughly. Would highly recommend these guys if you're in the market for a house!

10 Jun 2026

Hayley Robertson

Cannot recommend Hullmoneyman enough. I have used them for years and they are always so helpful and thorough. They make the remortgage process so simple. All the team are really friendly and go above and beyond for you. Thank you so much.

13 Apr 2026

Joe Moore

Excellent service from start to finish. The whole process has been made really easy and stress-free. Warren and Paula have both been especially helpful, responsive, and great to deal with throughout. Highly recommend.

25 Mar 2026

Onyinye Christiana Agbasi

Tom and Paula were very helpful. Kept me updated throughout, Answered all my questions promptly. Outstanding support I received from them.Will really recommend anytime.

18 Mar 2026

Emma Bannigan

I really can’t recommend enough. We were on a time crunch and had to move quickly which was understood! The advice and check ins that came when we experienced problems and delays really helped settle my mind. Thank you!

17 Mar 2026

Charlotte Charlie Chaz

Go back to Leo at UKmoneyman time and time again. Professional, friendly, all staff so helpful. And Leo is incredible! Thanks again. Could not recommend enough!

16 Mar 2026

Callum Lenton

Great and fast service, very commutative and worked me through every step very easily and was approved from a lender less than 10 days later, extremely happy and was stress free

17 Feb 2026

Hulltiger Reefing (HullTiger86)

Brilliant service through out from Dinah H and Jo P. Made renewing our mortgage really simple. Second time we have used hull money man, as they arranged our initial mortgage. Would definitely recommend them and will use them again in 5 years.

12 Feb 2026

Angie Robinson

I’ve had an outstanding experience with Hull Moneyman helping me renew my mortgage. Their team is knowledgeable, professional, and was truly committed to helping me find the best financial solutions. Communication was always quick and clear, and they went above and beyond to ensure every detail was handled efficiently. I highly recommend Hull Moneyman to anyone looking for trustworthy and expert brokerage services — definitely a five-star experience

6 Feb 2026

Monika Marcinkowska

I am so glad that I had been advised to use the hull money man as a mortgage advisor. From the first days they were amazing, straight forward, easy, very friends and clear with the language even for a first time buyer like me. Chris included all my needs in the application and I didn’t even expect that I would get anything better than what I got. He was my sense of direction and I am grateful to have had him. Thank you again to Chris and Jo, I will definitely recommend them to anyone buying their first property without any stress or hassle.

3 Dec 2025

Helpful Guides

How Much Can I Borrow For a Mortgage in Hull?

Various factors play into determining how much you can borrow for a mortgage. We take a look at these factors, as well as historical changes.

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How Much Deposit Do I Need To Buy A House in Hull?

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How to Save For a Mortgage?

Discover how to save for a mortgage in Hull, including deposit tips, budgeting, and how to plan for the full cost of buying a home.

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Planning to Get a Mortgage in Hull?

Planning your mortgage journey is essential, it's the first step that you should take before starting your process in Hull.

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How To Make An Offer On A Property In Hull

Looking at what you need to be prepared to make an offer on a property in Hull, with assistance from a dedicated mortgage advisor in Hull.

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Can You Get a Mortgage With Bad Credit in Hull?

Having bad credit to your name can be a struggle, especially when looking to get a mortgage. There may still be options for you though.

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Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

Hullmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

How Much Can I Borrow?