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Many people consider the process of moving home as one of the most stressful experiences in their lives.
This stress is further amplified when you add handling a mortgage to the equation.
Fortunately, by working alongside a mortgage broker in Hull who has the necessary experience and knowledge, we aim to greatly reduce your stress levels during your home moving journey.
One of the primary reasons why moving home is stressful is due to buying a new home while selling the old one simultaneously.
You can take comfort in knowing that the paperwork and simultaneous completions will be handled by your conveyancing solicitor.
Nonetheless, you still need to secure a purchase on a potential new home while also finding someone to buy your old home.
If you are looking for different routes to take when moving home in Hull, our dedicated and knowledgeable team is on hand to ensure that your home purchasing and mortgage processes are as smooth and quick as possible.
We are available to assist you throughout your mortgage journey, providing answers to your questions and keeping you informed.
Our mortgage advisors in Hull can evaluate thousands of mortgage products to find the best mortgage deal for your personal and financial circumstances.
If you plan to move home in Hull with a mortgage, feel free to contact us.
We offer every customer a free mortgage appointment with a dedicated mortgage advisor, and we are excited to get the next step in your mortgage journey underway.
Whether you are planning to move from outside Hull into the city or move within the city limits, our hardworking team of mortgage advisors in Hull have helped numerous customers achieve their home moving and mortgage goals.
We have put together a list of popular home moving scenarios that we have encountered from our customers over the years:
We often receive early inquiries from customers hoping to take advantage of our fast and friendly mortgage advice in Hull.
In these situations, customers typically seek to understand how much they can borrow, the interest rates, and their monthly repayments.
After participating in a free mortgage appointment, your assigned mortgage advisor will evaluate thousands of products to find the best mortgage for your personal circumstances.
If you agree to proceed with our mortgage recommendation, we can progress your mortgage and help you obtain an agreement in principle.
Having your AIP in hand will prepare you well for any possible offers you make on homes in Hull.
If you have already had an offer accepted on your potential new home, your trusted mortgage advisor in Hull will work hard to get your full mortgage application process started.
We can also provide assistance and guidance on property surveys and recommend a reliable conveyancing solicitor.
Your mortgage application with a Bank or Building Society may not be accepted for various reasons.
This could be due to not meeting the lender’s strict credit scoring criteria or not having the eligibility to borrow as much as you would like.
Regardless of the reason for being declined by the lender, it’s still worth getting in touch with a fast and friendly mortgage broker in Hull to explore various specialist mortgage lenders and unique deals.
We have a wide range of mortgage lenders on our panel, each offering specialist products for niche circumstances, many tailored to those with a poor credit history.
We have in-depth knowledge of mortgage lending criteria.
Here are the most popular reasons why customers may contact us for expert mortgage advice when moving home in Hull.
If your current situation doesn’t quite match what we have discussed, it’s still worth getting in touch with one of our mortgage advisors.
We have encountered numerous mortgage scenarios throughout the years, so it’s likely that we have dealt with a situation like yours before.
If you’re considering moving home in Hull, get in touch with our team of experienced mortgage advisors in Hull at Hullmoneyman.
We have a wealth of experience in helping our customers find their place on the property ladder and are here to support you throughout your home buying journey.
To start off, we offer a free home movers review, with no obligation to proceed, where we’ll assess your mortgage plans to determine whether you can afford to keep up with payments.
We’ll also look at how much you may be able to borrow and your monthly outgoings to provide you with an idea of what you can afford.
Once we understand your requirements and goals, our mortgage advisors will search through thousands of different mortgage deals to find the best possible option for you.
If you’re happy with our recommendation, we can help you obtain a mortgage agreement in principle to back up any offers you make on a property.
Once you find your dream home in Hull and have an offer accepted, a mortgage broker in Hull will assist you with the full application process, ensuring you have the support you need right up until completion and beyond.
At Hullmoneyman, we offer much more than just finding you the best mortgage deal. We’ll help you arrange a survey for your new home and obtain quotes from conveyancing solicitors.
We’ll also recommend appropriate insurance to protect you from unforeseen circumstances that could impact your ability to pay your mortgage.
Our dedicated and reputable team of mortgage advisors in Hull are always ready to provide support and guidance with your moving home goals.
Contact us today to start your journey.
4.98 Rating678 Reviews
Nathan
Great service, very helpful. From a first time buyer
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
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 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.
