Are you looking to move home? If so finding the right mortgage and acting quickly is essential to avoid delays. We are here to help make the process as simple and stress free for our customers as possible.
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Looking to move home?
If you are wanting to upsize or downsize your property, we can help you every step of the way by making the process as simple and stress free as possible.
If you want to upsize to a bigger home or even downsize to a smaller property, there may be multiple options available that can make the process easy and stress free. With a Home Mover Mortgage, it may be possible to transfer your existing mortgage to the new property or it may work out better to arrange a new mortgage that will save you money. We are on hand to offer expert advice and arrange whichever option will suit your individual circumstances best.
We are here to help every step of the way.
You will already be aware of what a long term commitment a mortgage is, it is therefore equally important to ensure you are aware of the many different products available, so you fully understand your position and as a result can make the right decision that meets your needs.
Existing mortgage customers often believe they will be in a position to borrow the same if not more on a mortgage however this is not always the case. The first step for any Home Mover should be to obtain a mortgage Decision in Principle (DIP). This will not only provisionally provide you with the peace of mind of knowing that you have a mortgage in place, it will also provide you with a realistic maximum amount you are able to borrow on a mortgage.
It may not be the best option to transfer your existing mortgage to the new property even with potential exit fees, you may still be able to obtain a better deal with a new lender. We will explore these options to ensure the right decision is made.
It is important we do not only account for your new mortgage and insurance payments to assess the costs will remain affordable, we will go through a detailed budget planner to ensure expenses like council tax, utility bills and other monthly costs are accounted for.
There are many different costs involved when buying and selling a property. These can include conveyancing costs to buy and sell, estate agent fee’s, mortgage related costs and potentially stamp duty. It is essential you are aware of all the costs upfront to ensure your property sale and purchase can go ahead.
Get the keys to your dream home faster.
Enquire online or give us a call on 01772 929917
