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Work out how much you can borrow based on your income and deposit size.
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.
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.
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.
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.
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
4.98 Rating813 Reviews
Michael
Helpful, polite and friendly team, good communication and advice we can trust - thank you!
1 week ago
Joe
Made the process of applying for a mortgage very relaxed. It was reassuring knowing I had a line of contact that suited me that kept me updated and informed.
1 week ago
Anonymous
Jason Loft has been excellent with us and as first time buyers he has answered every single question we have thrown at him and put us at ease, we always received very quick responses from him and we have been really happy with our experience dealing...
2 weeks ago
Cameron
As a first time buyer, I had lots of questions and uncertainties, but Hullmoneyman were incredibly helpful throughout the entire process. They took the time to explain everything clearly, kept me informed at every stage, and always made sure I had...
1 month ago
Mohammed
Jonathan & Wayne are highly knowledgeable, as well as being kind & patient. The pair helped us to transfer an existing mortgage onto a lifetime mortgage with a different lender. Their patience, care & expertise meant the process was easy to...
1 month ago
IAN
Excellent and seamless service thank you
1 month ago
Scott
We have been working with Hullmoneyman for more than 10yrs in managing both our residential and BTL product needs. Always available, professional and courteous whilst discussing and finalising the best products for us. We do not hesitate to...
2 months ago
Mrs Magdalena
I love that I don’t have to stress about my mortgage—when it ends, finding new deals, or keeping track of everything. UK Moneyman takes care of it all, finding the best options and recommending what suits me best. It saves me time, energy, and...
2 months ago
Kathleen
from start to finish money man where there beside me every step of the way … they went above and beyond my expectations. helping with advice and signposting me to the correct places nothing was too much trouble and i wouldn’t have my mortgage...
2 months ago
Alan
Excellent throughout my remortgage, always very helpful with any questions asked!
2 months ago
Sylwester
I had a great experience working with my mortgage broker. They were knowledgeable, efficient, and made the whole process smooth from start to finish. They explained everything clearly, found me a competitive rate, and handled all the paperwork with...
3 months ago
Amber
Conor has done amazing! Helping with every issue we may have faced! Couldn’t have done it with him!
3 months ago
Sarah
I had excellent service and advice from my mortgage advisor Dinah. Thank you Dinah. Sarah
3 months ago
Stephen
I personally did not deal with them this time but wafe said great and kept her up to date all the time
3 months ago
Sarah
Everything has been very well executed from beginning to end has been an excellent service thank you Dinah and also Lizzie.
3 months ago
Julie
Malcolm and his team produced excellent service and great advice. They kept us up to date with my mortgage application and all legal details. I would recommend Hull money man to anyone who will give you 100% satisfaction. Julie and John
3 months ago
Darren
A fantastic, honest, service. Very happy with the advice and guidance given by Leo and Louise, both approachable, knowledgeable, and transparent throughout the process. I would highly recommended Hullmoneyman for anyone looking for professional...
4 months ago
Ben
Outstanding service , would definitely recommend, always there to help.
4 months ago
Mark
5***** Very helpful went through all my options I would definitely recommend hullmoneyman to anyone & a special thank you to Daniel for all is help.
4 months ago
Maxine
Brilliant people, usually applying for a mortgage is very daunting but these guys, especially Warren and Debbie completely put us at ease and got us our mortgage for our happy place. Would highly recommend to everyone. Thank you so much.
4 months ago
Helpful Guides
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.
Read our 813 Reviews
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.
© Hullmoneyman 2009–2026
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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.
© Hullmoneyman 2009–2026
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