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Purchasing a home is a significant milestone that can be both exciting and nerve-wracking, especially for first time buyers in Hull. At Hullmoneyman, we understand that the process can be complex and be full of emotions that come with the process, and we are here to make it as stress-free as possible.
Our experienced mortgage advisors in Hull have been providing top-tier mortgage advice in Hull and guidance for over two decades, and we are committed to helping you navigate the world of mortgages with ease.
We take pride in our personalized approach to mortgage advice, recognising that each customer has a unique situation. Whether you are buying a property on your own or with a friend or relative, our dedicated team will work with you every step of the way to ensure your journey is smooth and simple.
Making an offer on a property is a significant step in the home buying process, and having a Mortgage Agreement in Principle (AIP) can help you stand out in a competitive market. AIP confirms that a mortgage lender is willing to provide you with a mortgage based on your financial situation, which can give sellers confidence in your offer.
At Hullmoneyman, we recommend having an AIP in place before making an offer, and we can help you obtain one quickly. Our experienced mortgage advisors in Hull can provide you with an AIP within 24 hours of your initial appointment, and we will work at a pace that best suits your situation.
We understand that the process of buying a home as a first time buyer in Hull can be overwhelming, and the added pressure of the property market can be stressful. That’s why our supportive team of mortgage advisors in Hull is committed to helping you every step of the way.
At Hullmoneyman, we are committed to helping you overcome any obstacles in your mortgage journey. Our trusted and versatile team offering mortgage advice in Hull, have a wealth of experience in finding the best outcome for your personal situation, no matter your circumstances.
We believe that every customer deserves the opportunity to explore their mortgage options with a professional and experienced mortgage advisor in Hull. That’s why we offer a free initial mortgage appointment to all customers who get in touch.
During this appointment, our mortgage advisors in Hull will take the time to understand your unique situation and provide you with personalised mortgage advice and guidance.
We are committed to making the mortgage process as straightforward and stress-free as possible, and our team will work tirelessly until we find the best outcome for you. With Hullmoneyman, you can trust that you’re in good hands.
Our team at Hullmoneyman have a wealth of experience in helping first time buyers in Hull step onto the property ladder.
We have been providing high-quality, expert mortgage advice in Hull and surrounding areas for many years, guiding our clients through the complexities of the mortgage process. Our team regularly encounters various scenarios when speaking to first time buyers in Hull.
Some of the situations we have encountered include self-employed clients, customers with poor credit histories, and those with unusual income streams. No matter your situation, we have the expertise to provide you with tailored mortgage advice in Hull to help you secure your dream home.
If you are a first time buyer in Hull and want to know the maximum amount you could borrow for a mortgage, our mortgage calculators can give you a good indication. That being said, this is only a rough estimate and may not factor in your specific situation.
Therefore, we recommend speaking to a mortgage advisor in Hull, who can provide you with a more accurate and personalized assessment of your borrowing power. At Hullmoneyman, we have a team of experienced mortgage advisors in Hull who will work with you to find the right mortgage deal for your needs.
Our mortgage advisors in Hull take into account your financial circumstances and aspirations, as well as the type of property you want to buy. We also have access to a wide range of mortgage lenders and mortgage products, so we can help you find the best deal.
As you start looking for a property to buy, it’s essential to have a Mortgage Agreement in Principle in hand. This is a document that confirms how much a lender may be willing to lend you, based on a preliminary assessment of your finances.
Having an AIP can give you an advantage when making an offer on a property, as it shows the seller that you are a serious buyer.
At Hullmoneyman, we understand the importance of an AIP and are able to obtain it for you within 24 hours of your initial appointment.
Our trusted team of mortgage experts will work with you every step of the way, ensuring you have the right support and guidance to make your home buying journey as smooth as possible.
Before making an offer on a property, we strongly advise you to speak with a mortgage advisor in Hull.
This will ensure that you have a clear understanding of your borrowing power, as well as the type of mortgage product that would suit your needs.
At Hullmoneyman, we have a team of dedicated mortgage advisors in Hull who will work with you to find the right mortgage deal.
We will also help you obtain your AIP, so you can make a confident offer on the property you want.
An AIP can make a big difference when making an offer on a property.
As we’ve mentioned before, an AIP confirms how much a mortgage lender may be willing to lend you, based on a preliminary assessment of your finances.
Having an AIP in hand when making an offer can show the seller that you are a serious buyer. At Hullmoneyman, our team can usually obtain an AIP for you within 24 hours of your initial mortgage appointment.
Our goal is to make the home buying process as stress-free as possible, so you can focus on finding your dream home.
If you have been declined for a mortgage by a bank, it can be disheartening. Even with this in mind though, this doesn’t mean that you won’t be able to get a mortgage at all.
At Hullmoneyman, we have helped many clients who have been turned down by a bank to secure a mortgage with one of our specialist mortgage lenders.
As an open and honest mortgage broker in Hull, we are committed to finding the best mortgage solution for your specific circumstances.
We have access to a wide panel of mortgage lenders, including those that offer specialist products, so we can find the right deal for you.
Our team of experienced mortgage advisors in Hull has helped a great number of first time buyers in Hull to find their footing on the property ladder by providing expert mortgage advice in Hull.
With over two decades of experience, we possess in-depth knowledge of the market and have handled a variety of complex situations.
We understand that obtaining a mortgage can be a daunting process, so we strive to make it as stress-free as possible.
We’re able to work around the clock to suit your schedule and are available for a free mortgage appointment either via phone or Microsoft Teams video call.
As an expert mortgage broker in Hull, we can access thousands of mortgage deals to find the best one for your unique situation. It’s not just about finding the right mortgage; we are here to guide and support you every step of the way.
The mortgage case handlers we have working here at Hullmoneyman, will keep you informed throughout the process, so you always know what’s going on.
Our service is tailored to your specific needs, and we strive to offer a personalised and stress-free experience.
Whether you have a complex situation or just need some mortgage advice in Hull, we are here to help you out. Contact us to schedule your free mortgage appointment today.
4.98 Rating651 Reviews
Nicholas
Great to talk through clear presented options that meets the needs of my family. Daniel gave assurances, space and understanding that helped us make a significant decision more easier.
Leanne
Absolutely brilliant service from start to finish. Would like to thank Wayne and Lyndsey for all their help with out mortgage application nothing was to much trouble for them. Would recommend hullmoneyman for fantastic service
Leanne
Absolutely brilliant service from start to finish. Would like to thank Wayne and Lyndsey for all their help with out mortgage application nothing was to much trouble for them. Would recommend hullmoneyman for fantastic service
Chloe
This service is so helpful, they always give you full description and make sure you understand each steps before moving forward. Communication is a great skill that this service has.
Matthew
Absolutely fantastic experience. Dinah Answered every question we had and was very quick to get back to us.
Thomaa
Outstanding. The best customer service and knowledge from Wayne and Megan. The best company I’ve used by far. Thank you. Would strongly recommend.
Mark
Always helpful and attentive, easy to talk too and nice to deal with someone who lives in the same area. Highly recommended
Lauren
Extremely happy with the service we received! We had Matt Collinson and Megahn Robinson helping us with our Mortgage and they were incredible. As first-time buyers, we had a lot of questions and Meghan helped us to understand everything and...
Paul
Dealing with Hull Money Man is always a pleasure. All the staff are happy to help, are accommodating and arrange appointments to suit. You feel like you are in good hands. I would recommend them.
Lee
Leo and Stacey at Hullmoneyman have provided a fantastic service; friendly, helpful, knowledgeable and personable. I will definitely use the service again.
Richard
Amazing quick service. Helped find us a mortgage right for our situation. The team kept us updated and informed throughout the process. They were swift to respond to our queries and really good at being able to deliver in our very short...
Anonymous
Good communication and job well done.
Anonymous
Good communication and job well done.
Jason
Both Dinah and Stacie my mortgage broker and case handler were professional, quick to communicate, and simplified the mortgage process which helped reduce a stressful and potentially complex process. They were available to answer all my...
Jason
Both Dinah and Stacie my mortgage broker and case handler were professional, quick to communicate, and simplified the mortgage process which helped reduce a stressful and potentially complex process. They were available to answer all my...
Alexandra
We have used Hullmoneyman 3 times now and each time the process has been seamless. We are kept informed throughout the process both by telephone and email. We wouldn’t use anyone else. Thank you
Jennifer
Thankyou for making the whole equity release experience straight forward from day one to completion of my lifetime Mortgage.
Anita
Really helpful, explained things so we understood. Got us the best deal for our circumstances. All this whilst we had a toddler running round in the background! Thanks!
Michael
This the second time I have used Moneyman in five years. I can without hesitation say they are very professional know the market and everything is done for you. Thank you once again and I shall inform friends and family of your company. As an...
Lee
I have used Hullmoneyman for several years now and would highly recommend them. They are always on the end of the phone for advice. Fantastic service from all the team.
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.
A telephone test call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
