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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 Rating677 Reviews
Tom
Matt has been brilliant all the way through kept in touch and explained everything in detail. Would certainly recommend !!
Kristy
Chris went above and beyond to help me obtain a morgage, after many set backs we eventually got the result we wanted.. couldn't be any more grateful
Mark
As always very helpful with what we required
Natalie
Happy we went with hullmoneyman when we got our first mortgage coming up to 4 years ago, they've been helpful and fully informative all the way. Would highly recommend
Freya
Brilliant service, we could always get in touch and ask whatever questions we needed. Being first time buyers this has been new and stressful territory and it was much easier knowing we could trust Hull Moneyman.
Martin
Swift and very helpful, they was my go to people for anything I was worried about as a first time buyers and put my mind to rest.
Jason
Stacie and Dinah have saved me more money yet again. I remortgaged my house last month when mortgage rates were high due to a lot of uncertainty in the market. It is due to complete at the end of this month and since then rates have gone down. I...
Kelly
Massive thank you to Jason at hull Moneyman who has been amazing throughout the whole process of getting a mortgage. I highly recommend this company who make things so much easier. Very professional and helpful.
Stacey
We have today completed on our first property purchase and cannot thank Chris Thompson enough. Chris is incredibly knowledgable, professional and has excellent communication skills which made the whole process stress free from the start. A huge...
Kirsty
As a first time buyer Wayne and the team were so helpful and supportive. Right from the initial consultation Wayne took the time to listen to me, answered all of my questions and gave recommendations based on what I was saying. There was never any...
Katarzyna
Fantastic, friendly and efficient. I have been used the service for the second time and would recommend to anyone.
Agnieszka
We are buying house second time with Hullmoneyman and we are pleased with the service. Team is fantastic and very professional Charlie Bryson - our advisor section time did everything in very professional manner and with prompt response for our...
Cameron
Amazing, was really pleased with the service from Chris & Lizzi. Really appreciate everything they’ve done for me. Would definitely recommended!
Anonymous
Nice and helpful without the hassle of doing it yourself
Anonymous
Always knowledgeable, friendly and helpful - an excellent and efficient team whose services I have called on several times over the last 18 years and would highly recommend.
Emma
Thank you Conor for your help and guidance you made the process easy and explained everything Thoroughly.
Wayne
This was my second time using UK moneyman and will definitely be recommending them! Stacey provided an excellent service and was very efficient. Thank you Stacey for all your help, offer turned up earlier than expected 😉
Idris
I found Dinah at UKMONEYMAN very helpful and supportive all the way through my application. All my questions were answered in a timely manner with clear explanation. Dinah was always available whenever I required something. Thank you for your...
Danny
Excellent service, answered all questions and queries. Dinah was fantastic
Joe
Excellent from start to finish. Very informative and quick to respond . We would highly recommend Hull Uk Moneyman and will be using them again in the near future without hesitation. Thank you
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.
