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Specialist Mortgage Advice in Hull

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7 days a week, 8am - 10pm

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Specialist Mortgage Advice in Hull

Specialist mortgage advice in Hull tailored for your financial situation.

Speak to a Specialist - It's Free! 01482 772986

We look at solutions for specialist mortgages in Hull for complex situations.

Welcome to Hullmoneyman, the leading mortgage broker in Hull, where our specialist mortgage advisors have a wealth of knowledge and experience to help you find the right mortgage deal.

We understand that it can be a daunting task to find the right mortgage, and being declined can seem like the end of the road.

We want to assure you that this is not the case. We have helped many mortgage applicants who have been declined by their bank, and we can help you too.

Our team is dedicated to helping you move into your dream home, and we will work with you to find a solution that fits your personal and financial situation.

Specialist Mortgage Advice in Hull

Our service may benefit you when looking for specialist mortgage advice in Hull.

At Hullmoneyman, we understand that accessing high street mortgage products can be difficult, but this does not mean that you cannot get a mortgage.

We have access to specialist products, which may be more suited to your personal and financial situation.

Our mortgage advisor in Hull will take the time to understand your requirements and will recommend the best mortgage deals available, which will benefit you the most.

We have helped countless applicants find a mortgage deal that they would have not found on their own, and we are confident that we can help you too.

We offer all customers a free mortgage appointment in Hull.

When you book a free mortgage appointment with our specialist mortgage advisors in Hull, they will take the time to explain specialist products and how they work.

We have a large number of specialist lenders on our panel, and each of them holds hundreds, if not thousands, of specialist deals. Our job is to pick out the perfect deal for you and provide you with expert mortgage advice in Hull.

We understand that being declined for a mortgage can be frustrating, but we would advise that you stop applying to different lenders.

The more you apply and are declined, the more damage you do to your credit file.

Our mortgage advisors in Hull have years of experience, and we are confident that we can help you find a mortgage deal that fits your needs and budget.

So, get in touch with us today and let us help you move into your dream home.

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Reviews Stars4.98 Rating744 Reviews

FAQs for Specialist Mortgage Situations in Hull

What is bad credit for a mortgage in Hull?

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“Bad credit” for a mortgage in Hull refers to a situation where a potential borrower has a history of financial issues that could pose challenges in obtaining a standard mortgage from mainstream lenders. While having a poor credit history can make securing a mortgage more difficult, there are specialist lenders who may be willing to work with individuals facing adverse credit circumstances.

Can I remove a CCJ from my credit file in Hull?

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You cannot directly remove a CCJ from your credit file unless it was issued in error or if you’ve paid it in full within 30 days of receiving the judgment. Otherwise, a CCJ remains on your credit file for a period of six years from the date of issuance, even if you subsequently settle the debt.

Do you require a specialist mortgage advisor in Hull?

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While it’s not strictly mandatory to engage a specialist mortgage advisor in Hull, it is highly advisable, particularly if you have unique financial circumstances such as bad credit or if you are self employed. Looking into mortgage advice in Hull can be invaluable in helping you explore suitable mortgage options, especially if you may not qualify for standard mortgages from mainstream lenders

Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

Step 1

During your free mortgage appointment with a mortgage advisor in Hull, you will need to provide information about your income and expenses to determine your affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Although certain circumstances may limit your options, we will search through 1000 deals to find the best possible solution for you.

Our next step is to obtain an agreement in principle, which can be used to support any purchase offers you make.

Submit Your Mortgage Application

Step 3

Once you accept a purchase offer, your mortgage advisor in Hull will proceed to submit your full mortgage application and relevant evidence documents.

Protecting You and Your Mortgage

Step 4

Our service goes beyond merely obtaining the best deal. We will also advise you on relevant insurance policies to safeguard you and your family financially.

Reasons to Choose us

Free Mortgage Appointment

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Our mortgage advisors in Hull are completely transparent and have your best interests at heart. We offer free mortgage appointments which can be booked online at your convenience.

At Hullmoneyman, we have years of experience working with various mortgage situations. No matter how complicated your situation may be, we have the knowledge and expertise to help you.

1000s of Deals

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We can search through thousands of mortgage deals, including specialist and high street products, to find the right deal for you.

Connecting you directly to a mortgage broker in Hull is our top priority. We want to provide you with the advice you need as quickly as possible.

Our Service

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If you require mortgage advice in Hull, you’ve come to the right place. We are here to help you every step of the way.

With over 20 years of industry experience, our mortgage advisors in Hull know how to navigate through the mortgage journey with ease.

7 Days a Week

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We can assist you in finding the most suitable mortgage product for your needs and financial situation. You can book your free mortgage appointment for the morning, evening, or even the weekend.

Don’t hesitate to contact us for all your mortgage advice needs.

Malcolm and Amy Davidson - Mortgage Advice in Hull

We Search 1000s of Specialist Mortgage Deals in Hull

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Specialist Mortgage Scenarios in Hull

An In-Depth Look at Specialist Mortgage Scenarios

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If you’re facing a complicated situation with your mortgage in Hull, seeking advice from our experts could make all the difference. We’ve helped countless customers overcome seemingly impossible hurdles and secure the mortgage they need.

Over our 20 years of providing expert mortgage advice in Hull, we’ve encountered a diverse range of scenarios.

Property Down Valuation

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A property down valuation occurs when a property survey reveals that the sale price is higher than the actual value of the home.

In such cases, mortgage lenders may withdraw from the deal. With prompt action, however, such as negotiating with the property owner or making up the difference with your own funds, you may still be able to proceed with your mortgage lender.

Divorce & Separation Mortgage Advice

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Divorce or separation can be a trying time, but it’s crucial to sort out financial arrangements with your ex-partner as soon as possible.

If you’re financially linked to your ex-partner and they accrue debt or have a poor credit score, it could adversely impact your credit score too.

Our team can help you navigate this complex process by arranging the mortgage side of things.

Single Name Mortgages for Married Applicants

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If you’re married and wish to take out a mortgage in your name alone, you’ll need to prove that you can afford it. Mortgage lenders typically use an affordability calculator to assess your eligibility.

Shared Ownership

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Shared Ownership is a scheme that allows you to purchase a percentage of a property and pay rent on the remaining portion.

Typically, you can purchase between 10%-75% of the property, with the option to purchase the remaining shares in the future.

Professional Mortgages

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Professional mortgages are exclusively available to certain professions. Contact us to determine if you meet the eligibility criteria.

Second Home Mortgages

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If you’re considering a second mortgage, you’ll need to demonstrate that you can manage two sets of mortgage payments.

Whether you intend to use the property for your own purposes or as a buy to let investment, you’ll need to put down a larger deposit.

Holiday Home / Let Mortgages

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If you’re purchasing a holiday home, you’ll need to decide whether to rent it out or not. Renting the property when you’re not using it could provide an additional source of income.

Non-Standard Construction Property Mortgages

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A “non-standard” construction property is one that isn’t made of brick and mortar. Securing a mortgage for such properties may require a specialist product, and we advise that you conduct a full structural property survey.

HMO Mortgages

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HMO mortgages are popular among landlords, as they enable multiple applicants (usually up to six people) to sign onto a mortgage. Seeking expert HMO mortgage advice in Hull can help you navigate the intricacies of this type of mortgage.

Lifetime Mortgages

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If you’re over the age of 55 and looking to release a lump sum of cash, a lifetime mortgage may be an option. Bear in mind though, that this type of mortgage requires specialist help, and we advise that you speak to an expert to determine if it’s right for you.

To understand the features and risks, ask for a personalised illustration.

A lifetime mortgage may impact the value of your estate and it could affect your entitlement to current and future means tested benefits. The loan plus accrued interest will repayable upon death or moving into long term care.

Offset Mortgages

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Offset mortgages enable you to link your savings to your mortgage, potentially resulting in competitive interest rates. Meeting the strict requirements of this type of mortgage though, can be challenging, and seeking expert mortgage advice in Hull is recommended.

Mortgage Guides

Hullmoneyman.com & Hullmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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