Moving home mortgages

Moving home, depending on the circumstances, can be an exciting time. However, it can also be a stressful and emotional period in your life; especially if you are moving from a home with an abundance of happy memories. We aim to ensure the home moving process is as stress-free as possible.
Our experts are not restricted to any particular providers and will act solely in your best interests. Therefore, you can be confident that the products recommended will be right for your circumstances.
Once we have gathered all of the relevant information from you, we will search our extensive mortgage lender platform to offer you the right mortgage and protection products. We will clearly explain the products that are on offer and why we feel they are right for you.

Every unsuccessful mortgage application may harm your chances of success as each refusal will appear on your credit record. Using one of our mortgage and protection experts will maximise your chances of being accepted the first time around.

Going to your existing bank or building society means you’ll only be offered its
products, but you really want to get the compare deals from across the market.
That’s where our mortgage advisor can help.
As mortgages are such a significant transaction, getting professional
help is very advantageous.
Our advisors will source relevant products that fits your credit
history, offer an extra layer of protection if things go wrong, and carry more clout
with lenders to ease acceptance on otherwise unobtainable mortgages.

With many fantastic and market-leading rates available, our mortgage and protection advisors will listen attentively to requirements, ensuring we are on hand to get you the right mortgage to suit your situation.

Before you find your ideal home, we will:

● Check your borrowing potential
● Inform you of likely repayment figures
● Review any incentives available from lenders
● Source the lenders and available rates
● Advise what documents the lenders are likely to require

Yes, Lenders will usually want to see three years of accounts history. However, a selection of lenders will lend against your last year’s income. You may also be able to use your company’s net profit instead of using salary and dividends payments.

There are several very competitive mortgage options available if you are self-employed. Our Mortgage and protection advisors are on hand to guide you through all the available options and provide advice on the specific documents the mortgage lender may request.

If you have an existing mortgage and you’ve decided you’d like to move home, you might be able to move your product with you. This is called ‘porting’. It could save you money by not having to pay early repayment charges. Your illustration and offer letter from your current mortgage will also say if any of your existing products are portable.

Our mortgage and protection advisors will guide and advise you on the best course of action for your home move.