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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.
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 advisors 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.
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.
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.
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. Here are some of the most common challenges we’ve helped our clients overcome:
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 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.
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 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 are exclusively available to certain professions. Contact us to determine if you meet the eligibility criteria.
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.
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.
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 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.
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 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.
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.
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.
We can search through thousands of mortgage deals, including specialist and high street products, to find the right deal for you.
With over 20 years of industry experience, our mortgage advisors in Hull know how to navigate through the mortgage journey with ease.
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.
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.
Don’t hesitate to contact us for all your mortgage advice needs.
4.98 Rating651 Reviews
Nicholas
Great to talk through clear presented options that meets the needs of my family. Daniel gave assurances, space and understanding that helped us make a significant decision more easier.
Leanne
Absolutely brilliant service from start to finish. Would like to thank Wayne and Lyndsey for all their help with out mortgage application nothing was to much trouble for them. Would recommend hullmoneyman for fantastic service
Leanne
Absolutely brilliant service from start to finish. Would like to thank Wayne and Lyndsey for all their help with out mortgage application nothing was to much trouble for them. Would recommend hullmoneyman for fantastic service
Chloe
This service is so helpful, they always give you full description and make sure you understand each steps before moving forward. Communication is a great skill that this service has.
Matthew
Absolutely fantastic experience. Dinah Answered every question we had and was very quick to get back to us.
Thomaa
Outstanding. The best customer service and knowledge from Wayne and Megan. The best company I’ve used by far. Thank you. Would strongly recommend.
Mark
Always helpful and attentive, easy to talk too and nice to deal with someone who lives in the same area. Highly recommended
Lauren
Extremely happy with the service we received! We had Matt Collinson and Megahn Robinson helping us with our Mortgage and they were incredible. As first-time buyers, we had a lot of questions and Meghan helped us to understand everything and...
Paul
Dealing with Hull Money Man is always a pleasure. All the staff are happy to help, are accommodating and arrange appointments to suit. You feel like you are in good hands. I would recommend them.
Lee
Leo and Stacey at Hullmoneyman have provided a fantastic service; friendly, helpful, knowledgeable and personable. I will definitely use the service again.
Richard
Amazing quick service. Helped find us a mortgage right for our situation. The team kept us updated and informed throughout the process. They were swift to respond to our queries and really good at being able to deliver in our very short...
Anonymous
Good communication and job well done.
Anonymous
Good communication and job well done.
Jason
Both Dinah and Stacie my mortgage broker and case handler were professional, quick to communicate, and simplified the mortgage process which helped reduce a stressful and potentially complex process. They were available to answer all my...
Jason
Both Dinah and Stacie my mortgage broker and case handler were professional, quick to communicate, and simplified the mortgage process which helped reduce a stressful and potentially complex process. They were available to answer all my...
Alexandra
We have used Hullmoneyman 3 times now and each time the process has been seamless. We are kept informed throughout the process both by telephone and email. We wouldn’t use anyone else. Thank you
Jennifer
Thankyou for making the whole equity release experience straight forward from day one to completion of my lifetime Mortgage.
Anita
Really helpful, explained things so we understood. Got us the best deal for our circumstances. All this whilst we had a toddler running round in the background! Thanks!
Michael
This the second time I have used Moneyman in five years. I can without hesitation say they are very professional know the market and everything is done for you. Thank you once again and I shall inform friends and family of your company. As an...
Lee
I have used Hullmoneyman for several years now and would highly recommend them. They are always on the end of the phone for advice. Fantastic service from all the team.
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 in Hull!
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.
