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A home mover mortgage is no different to a standard mortgage. It’s simply the process of getting a new mortgage when you move house, so the mortgage is suitable for the house you’re moving into. Getting the right mortgage is crucial as you will need to ensure it is still affordable whilst suiting your changing needs.
If you choose to remain on your current mortgage when you move to a new home, you may be able to port your mortgage. Most lenders are able to transfer your mortgage to the new property for you, which is called porting.
We work in partnership with several estate agency practices and keep them informed of your mortgage process on a regular basis, including providing an indication of the timescales involved throughout the process. We believe that regular and clear communication with your selling agent takes the stress and worry out of your hands, and ensures that they will have all the documents needed to arrange the property sale to you as soon as your offer has been accepted. By keeping all parties updated and informed, we can minimise complications and keep the process as simple and stress free as possible for you.
We know how difficult the legalities can be to understand, so we work very closely with local solicitors to make sure you are provided with the most straightforward experience as possible. Our advisers are at hand to help you through any paperwork that you are unsure about, and will provide advice as to the next steps you should be taking. We are always available to answer any queries that you or your solicitor may have to ensure that your process is as quick and stress-free as possible.
A mortgage is a life-long commitment so it’s important to get the decision right from the outset. It’s not a straight-forward process and this can make it seem a very daunting task. So how can a broker help?
This is dependent on your type of income and level of income, combined with your age and current financial commitments.
The borrowing term could be from 2 years all the way up to 40 years. The term most commonly used by homeowners is 25 years, but this depends on individual requirements.
We shall combine all of the factors which determine your mortgage borrowing ability and combine this with your mortgage term and type of mortgage required. The monthly payments are generally less the larger the equity in the property.
Most lenders shall allow you to move your current mortgage to a new home with their agreement. This is called porting and would be subject to your payment history with the bank.
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We have a series of calculators, for you to use, for free. Helping you plan, budget and work out how likely you are to need protection.