Specialist Mortgage Advice in Hull

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Has your application been declined? We may be able to help!

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.

Don’t be put off by specialist products

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.

Free Specialist Mortgage Appointment

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.

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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Specialist Mortgage Advice in Hull

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:

Specialist Mortgage Scenarios:

Property Down Valuation

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

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 Mortgage for Married Applicants

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

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

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

Second Home Mortgages

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 Let Mortgages

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 Properties

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

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

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

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.

In need of a specialist mortgage advisor in Hull?

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.

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Common mortgage

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.

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 in Hull!

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.

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 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2023 Hullmoneyman

Hullmoneyman, 410 Wincolmlee, Hull, HU2 0QL.

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