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First Time Buyer Mortgage Advice in Hull

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Your home may be repossessed if you do not keep up repayments on your mortgage

Survey Types

When you buy your first home in Hull, it is probably going to be the biggest financial commitment that you will have made in your life – so it’s a fairly big deal! And the property that you are considering purchasing in Hull is presumably going to be your home for a little while, so it’s probably best to know a little bit about the property before you buy, and this is what a survey will allow you to do.

Your Hull Mortgage Advisor will talk though your options

There are 3 different types of property surveys that are often referred to as a mortgage valuation, homebuyers report or a full structural survey.

We will explain each one for you…

A mortgage valuation (Sometimes also called a lenders valuation) is a basic valuation that is carried out by a surveyor who has been instructed by the lender to assess the property in Hull that you are buying for lending purposes. They will be checking to ensure that the property in Hull is worth what you are paying for it, and also if they are happy with the property in Hull itself and that it is good security. A mortgage valuation is not a detailed report but can sometimes pick up on things that might require a little further investigation. A mortgage valuation can often be free with lenders, although there are times when a charge may apply with certain lenders.

A home buyers report is a detailed report that will cover safety and highlight any problems that the property in Hull might have. This includes things like rising damp, or anything that doesn’t meet building regulation. Some lenders will allow you to upgrade to a home buyers survey and this can sometimes be cost-effective. This type of report is an independent report of the property by a qualified expert.

A full structural report should be something that you consider if the property in Hull is not of standard construction, or if it is an older type of property. This is a more detailed report about the property. This will highlight to you any issues that you might want to investigate further before committing to buying the property. Again, some lenders will allow you to upgrade to a full structural survey and at times it can be cost effective to do so.

All of our Mortgage Brokers in Hull are from Hull and are familiar with the local area. We deal with different types of scenarios all day; every day and we supply the highest of quality advice and service.

Hull Mortgage Experts

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 Free 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.

We are a local and professional Hull Mortgage Broker that provides mortgage advice in Hull and surrounding areas.

It is important to speak with a Mortgage Broker in Hull to ensure that you get the best advice.

Here is what our customers say...

Joshua Peacham
Joshua Peacham
January 26, 2022.
I cannot recommend Paul and his team enough, i needed a 5% mortgage after just starting a new job, i had previously had difficulty with other advisers but Paul turned this all around relatively quickly and my mortgage has now been offered. Brilliant service, very professional, no messing about.
Dave Balfour
Dave Balfour
December 17, 2021.
Brilliant service from start to finish.Our advisor Chris couldn't be more helpful and always there if we needed any advice .Sorted our remortgage out quickly and effortlessly. Highly recommend .
katie minns
katie minns
November 22, 2021.
Absolutely 5star company I have used these for the past 4 years each time I need to remortgage they are amazing and with you every step of the way taking the hassle and stress out of it. 100% recommended 👌 I recommend them to all my friends thanks again Paul & team!! Making dreams come true x
Matthew Wigglesworth
Matthew Wigglesworth
October 13, 2021.
Paul and Emma got me a better deal on solicitors than I did when I shopped around myself they also turned around my mortgage exceptionally quick. Zero hassle . I didn't pay them a penny. Very good WILL use again.
T C
T C
September 29, 2021.
5* all round service. After being messed about by our previous mortgage advisor, it's been a breath of fresh air dealing with Paul and Emma. We were on a very tight deadline to swap deals before going onto the SVR and they managed get us sorted in a turbulent housing market . Every question we asked was answered promptly and all advice was very transparent. Thank you again!
Leanne Cable
Leanne Cable
September 15, 2021.
Cannot recommend Paul & Chris enough, nothing was too much trouble, especially for a first time buyer with no clue what was happening, answered every question i had.
lindsey Taylor-Harrison
lindsey Taylor-Harrison
September 6, 2021.
Paul and Emma have been fantastic from day one, very helpful and efficient and managed to get us a brilliant mortgage deal no problem. They where recommended to us by multiple people and we will definitley continue to recommend them to others. Thank you for taking the lead and taking a part of the stress of moving from us. Couldnt have found anybody better.
Charlie Meacham
Charlie Meacham
August 20, 2021.
First time buyers- I Am A Mortgage (special thanks to our case worker Emma) were so welcoming and helpful in the way they supported us through the process of buying a house the first time. There were complications over the course of the purchase, and they were all incredibly patient, helpful, and very very responsive throughout. Couldn't recommend them more!
Beth Clark
Beth Clark
August 10, 2021.
As first time buyers, Paul and Emma from I Am A Mortgage Broker were an absolute godsend for us! They made the whole process so easy, were always quick to respond to questions and took a lot of the stress out of the process. Cannot recommend them enough especially if you are a first time buyer. We found their help and advice invaluable and we will be using this service again when we next move house.
Suzannah Brown
Suzannah Brown
August 6, 2021.
Excellent service from Paul. Efficient, friendly and explained everything really clearly. Paul has arranged 2 mortgages and life insurance for us and we wouldn't use anyone else. Highly recommended.

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Your home may be repossessed if you do not keep up repayments on your mortgage