First Time
Buyers In
Hull
It All Starts Here…

What is a decision in principle?
As a Mortgage Broker in Hull, we have helped lots of First Time Buyers in Hull to secure mortgages.
When should I obtain a decision in principle?
How long is a decision in principle valid for?
Does a decision in principle mean that I will be offered a mortgage?
A decision in principle means that you have passed a credit score based on the information that you have supplied to the lender, but this does not mean that you will be offered a mortgage. You will need to supply the lender with a number of things to prove the information given to pass the credit score for the decision in principle stacks up. For instance, they might want to see your payslips for proof of earnings, or bank statements to check account conduct and to ensure that all credit commitments have been declared. All of this information is assessed by an underwriter and when they are satisfied with yourself as a customer then they will look to instruct a valuation on the property that you are either looking to buy or re-mortgage. Once they are happy with yourself as a customer and they are happy that the property you are either purchasing or re-mortgaging is suitable security then you will officially be offered the mortgage. This is known as a Mortgage Offer.
The ‘I Am A Mortgage Broker’ Team are based in Hull and will go above and beyond to help all of our clients to ensure they get an excellent service.
We can accurately work out how much you can borrow and how much of a deposit you will need.
We will guide you through the whole process from the initial telephone call, right through to you getting the keys to your new home.
Trusted Qualified Mortgage Advice in Hull
We offer Mortgage Appointments to all of our customers in Hull.
If you would like to talk to a mortgage broker you can rely on in Hull, then contact us today by either calling, sending a message or book an appointment online through our website

You can book in your Mortgage Consultation today by using our online booking system, or simply send us an enquiry or give us a call.
We’ll also get back to you within 24 hours. Even on the weekends.