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Moving Home Mortgage Advice in Hull

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Mortgage Broker in Hull

Welcome to moving house mortgage advice page from your friendly Mortgage Broker in Hull. Here at Hullmoneyman, we have many years of valuable experience within the mortgage industry and we can’t wait to help answer your questions.

 

Open & Honest Mortgage Advisor in Hull

We invest our time in making sure you receive the best customer service, trying to ensure you come out with a smile on your face. You can find out more about our fabulous customer service here.

 

If you are considering moving home, you should get in touch with our fantastic Mortgage Advisors in Hull as they are always happy to help. We also provide a free initial mortgage consultation, so if you are wanting Moving Home Mortgage Advice in Hull, don’t hesitate to get in touch and claim this amazing offer.

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

 

How does it work?Get a quote nowMeet your advisor

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

Mortgage Lenders 007

Moving Home Common Scenarios

  • Are you interested in moving home within the next few months and are wanting an idea of how much you can borrow?
  • Are you wondering how much your new mortgage will cost?
  • Do you think you have found that perfect new home and want to make your first offer?
  • Has your offer been accepted, and you want to begin your mortgage application?
  • Are you currently viewing new houses and want to get a mortgage agreement in principle to back up any of your offers you make?
  • Are you thinking about renting your existing home to purchase a new one?
  • Have you been told that you are unable to borrow enough from your existing lender?
  • Have you got a different situation and need helpful mortgage advice from a friendly mortgage advice team?

 

Don’t worry if your situation isn’t listed above as we always deal with new challenges which our fantastic team of advisors always try to get by.

 

Moving Home Hurdles

  • Type of property being purchased
  • Your income structure and employment type i.e. Self Employed in Hull
  • Buying off or with a family member
  • Buying undervalue
  • Bank declined or won’t lend enough
  • Buying off your landlord
  • Something else…

 

If this happens to be the case, it is important that you don’t keep trying loads of different lenders without being 100% sure of their strict lending criteria. This could have a negative impact on your credit score and may lower your chances of getting a mortgage altogether.

 

With the years of valued experience within a local mortgage environment, we aim to deliver that amazing service with every customer. With the use of our in-depth mortgage knowledge, we can try our best to give your mortgage application to the most suitable mortgage lender based on your personal situation.

We Work Solely For You

Unlike a lot of other mortgage brokers, we are not tied to estate agents, so our priority is to solely work for you. We always aspire to deliver that perfect customer experience for everyone who works with us at Hullmoneyman. Even if you consider your situation to be complicated, still contact us as we love a good challenge and our advisors always try to get over any hurdle. Getting Mortgage Advice in Hull could be just what you need to get over that mortgage application finish line!

 

As Part of our Home-Movers Mortgage Review, We can Look at:

  • Working out your monthly budget based on your property price
  • Producing a mortgage agreement in principle so that you can back up any offers you make with the estate agent
  • Completing your mortgage application through to getting you a mortgage offer
  • Explaining the different types of property surveys that are available to you
  • Recommending a local competitively priced Solicitor with high service standards (if required)
  • Running through your mortgage offer(s) to ensure that all your details are correct
  • Also recommending any associated insurances with your new mortgage (if required)

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Hull will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

As your Mortgage Broker in Hull, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an agreement in principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an agreement in principle before you begin viewing properties in Hull. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An agreement in principle typically lasts for between 30 and 90 days depending on the lender used. If your agreement in principle expires it can always be refreshed.

There may be a chance to obtain a second mortgage on your home for things like debt consolidation or Home Improvements. There may also be a possibility for you to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Hull with high street lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage in Hull, however, you may be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most lenders use your salary plus dividend to calculate the maximum mortgage you can borrow in Hull, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed applicants. You will also need to produce proof of ID, address and 3 months’ bank statements.

Your free consultation in Hull will likely last up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

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.

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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 authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2020 Hullmoneyman

Hullmoneyman, 2 Littelfair Road, Hull, HU9 5LP.

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