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Remortgage Advice in Hull

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Remortgage Advisor in Hull

Welcome to our Remortgage Advice page at Hullmoneyman. Whether you are looking to Remortgage to save money or to raise capital for one reason or another, then we are here to help.

 

An amazing Remortgage Advisor in Hull at Hullmoneyman will search through thousands of Remortgage deals for you, trying to find the perfect deal that is best suited to your situation.

Trusted Mortgage Broker in Hull

Remortgaging is when you pay off an existing mortgage on a property you already own by acquiring a new mortgage. Remortgaging can be a great way to improve your financial situation by giving you the option to consolidate any short-term debts.

 

This process can sometimes be complicated and require expert advice from a Mortgage Broker in Hull, like us. We’re open & honest with you, we will guide you all the way through the Remortgage process making it run smoothly, just the way it should go.

 

How does it work?Get a quote nowMeet your advisor

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

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Common Remortgage Scenarios

As an experienced Mortgage Broker in Hull, we have come across most remortgage situations, do these apply to you:

 

  • Are you wanting a more competitive mortgage deal?
  • Are you wanting to raise money when you remortgage as well as securing a new deal?
  • Have your personal circumstances changed since you last took out a mortgage?
  • Have you been turned away by your existing lender for one reason or another? i.e. criteria, credit score
  • Stuck on your existing lenders’ standard variable rate and have been told you can’t afford a cheaper mortgage deal?
  • Adding or removing a name from your current mortgage?
  • Remortgage your existing property on to a buy to let?
  • Have you got an unusual situation and are wanting to discuss your remortgage options?

 

Remortgaging to Fix your Rate?

Where suitable, many of our customers are choosing to fix their mortgage deals at market leading rates for 2, 3, or 5 years to protect them against future rises. This is because at the moment interest rates at a very low level, so buyers are taking this opportunity wisely and investing sooner rather than later.

 

Contact us today to book your free remortgage consultation in Hull & see how we can help you.

Why Speak to a Mortgage Advisor in Hull?

With the new mortgage market review regulations make it much more difficult for existing customers who are looking to remortgage without the help of a Mortgage Broker in Hull.

 

With the help of an expert Mortgage Advisor in Hull, your remortgaging process will be much easier. We search through thousands of remortgage deals on your behalf and then recommend the best-suited one to match your personal situation.

 

Fast & Friendly Remortgage Advice in Hull?

You may be looking for a simple and fast Remortgage process, want to get organised for your existing deal expiring or even have problems with your current remortgage application. Whatever your mortgage situation, we will do our absolute best to get through whatever faces us.

 

When you remortgage you will not usually be stuck in a property chain. This is because you already own your house the legal work, which will make everything much simpler and allow us to get through the process much quicker than a standard mortgage application.

 

We love helping you out and delivering excellent service that you will never forget. Feel free to take a look at our Amazing Customer Reviews here or you can read about our Customer Service and how much it means to us.

Are you Looking to Remortgage in Hull?

As an experienced Mortgage Broker in Hull holding years of valuable knowledge within a local mortgage environment, we aim to deliver that excellent service with every customer.

 

Along with the help of an expert Mortgage Advisor in Hull, you could walk away with a stunning remortgage deal. Getting Mortgage Advice in Hull could potentially save you money further down the line; even if you deal is only saving you a little extra each month, it all adds up!

 

As your Mortgage Advisor in Hull, we are here to help you. Get in touch with us today and make a date for your free mortgage consultation.

What our customers say

Common mortgage
questions

After you’ve completed your fixed mortgage term, you will fall straight onto your lenders standard variable rate of interest (SVR). Usually, a lender’s SVR is their most expensive rate, so if you Remortgage, you could avoid falling onto their rate.

Our Remortgage Advisors in Hull will shop around for Remortgage deals for you, trying to find one that is not only competitive, but is also tailored to your personal and financial situation.

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 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%.

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.

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.

The fees involved in Remortgaging are similar to those involved during your first mortgage application. If you want a full breakdown of all of these costs, you should get in touch with our Remortgage Advisors in Hull. We will not only try and reduce these costs, but we will also compare your current mortgage product to new mortgage products to see whether you can access a better rate or not.

Your free Remortgage consultation will last around an hour and will work very similar to our consultation with first time buyers in Hull. Firstly, we will get some information from you in order to get a better picture of your personal and financial situation.

After your Remortgage consultation, we will search for a perfect remortgage deal for you. Once we find a deal that we think will benefit you most, it’s your choice whether to proceed with us and the deal or not. If you want to progress to the next stage, it’s time to get the ball rolling with your mortgage application.

If you have unsecured debts that still need paying off, you can always consolidate your debts into your mortgage by increasing your mortgage size.

There are some downsides to doing though, so we would strongly recommend that you get in touch with a Mortgage Broker in Hull like us so you can get specialist help.

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We make it so easy!
Our 4 step process

Step 1

An initial telephone call where we take some details and look at your Remortgage plan.

Step 2

A discussion about your personal requirements. You already own the property this time around, you can avoid the property chain!

Step 3

We will search and compare 1000s of products to find you the most appropriate deal.

Step 4

Application stage - We'll ensure everything goes smoothly with the lender. You'll have our support from your initial contact right through to when your remortgage process has completed.

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.

Handy quick links

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.

© 2021 Hullmoneyman

Hullmoneyman, 410 Wincolmlee, Hull, HU2 0QL.

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