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Unlocking the Door toYour New Home
Buying and selling your home can be a rollercoaster ride of emotions minus the speed. Between finding the right estate agents, getting your house ready for its close-up, and negotiating offers, there’s a lot to cover. No matter what your plans are, we’ll be with you every step of the way. Because let’s be real, navigating the housing market can be interesting to say the least.
how we help
We’ll recap on the home-moving process
We’ll get you ‘Mortgage Ready’
We’ll tick the affordability boxes
New mortgage recommendation imminent
We’ll do all the heavy-lifting (except the boxes)
Help you navigate the Sale & Purchase
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in 3 simple steps
Book a call with our friendly team
Getting started couldn’t be easier. With a quick call, some basic information, we’ll perfectly pair you with an adviser.
Receive Authentically-Human Advice
Your dedicated adviser and case manager will take care of all your paperwork and keep you up to date with your chosen lender, surveyor & solicitor.
Unlock Home Ownership
And just like that, our team will have nailed down the entire process so you can get settled into your new home!
How Long Does It Take To Move Home?
The length of time it takes to move home can be affected by so many different things!
A typically straightforward sale and purchase can take anywhere between 3-4 months. This could take longer if you’re in a large chain of house purchases, or if one person decides to withdraw from a purchase in your chain – you could all be delayed.
In order to help keep your part of the chain running smoothly, it’s really important before you get looking at new houses, you have everything in order ready to make an offer. It’s also super important to choose a reliable Estate Agent that will help find you a buyer in double quick time and they will give you hints and tips on how to sell your home quickly.
How Long Will My Mortgage In Principle Last For?
This is a question we tick off right at the start of the process with our clients. A Mortgage Offer is the lender granting you the funds towards the purchase, but a lot, if not all, do have a specific period of time that this will last for. Typically, with high-street lenders this can last for around 6 months on a standard home purchase. If you’re buying a new building and the development takes a little longer, some lenders will actually allow your mortgage offer up to 9 and in some cases 12-months before it runs out.
So it gives you plenty of time from the moment a mortgage offer is approved to make sure the rest of the home-buying chain can get sorted too.
When Should I Contact An Advisor Once I Know I Want To Move?
Before you start looking into your next home purchase, it’s important to understand your existing mortgage contract, the potential equity your property has and all the future mortgage considerations. By working with an advisor they’ll help you understand if there are any Early Repayment Charges on your current mortgage, if it’s better to port your existing deal and top-up your mortgage onto the new property, if it’s better to take a new mortgage out with a new lender, or to just make some overall changes.
By working with a local mortgage advisor it’ll give you peace of mind and confidence in the next steps you’re about to take.
Can I Stay With My Current Mortgage Lender When I Move?
Yes. In fact, a lot of people do.
The reason this works for some people is if you have recently just taken out a new mortgage product – it might have some hefty Early repayment Charges. You can avoid these if you take your current mortgage with you and then top-up (if needed!)
In some cases though, current interest rates might mean you’ll get a better deal – so it’s worth considering both options and seeing which is the most cost-effective for you.
Do I Need To Get A New Mortgage When I Move Home?
In short – no you don’t, however, when moving house we suggest looking at both your existing deal and a new deal with a new lender. You can compare the two and work out which is better for YOU.
Adding up the fees associated with taking out a new mortgage, such as a product fee, and then comparing it to the cost of leaving your existing mortgage can help you identify which is the better option.
You may find the additional fees cost less than the extra interest you would pay with your current mortgage. Equally, you may find it is much more cost effective to stay with your current deal.
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MORE THAN JUST A MORTGAGE
We are a nationwide business. We want to ensure that we’re not only supporting you, but the places we call home by reducing our Carbon Footprint right here in the UK.
Our clients love our relaxed, simple, and down-to-earth approach and now our clients can do so knowing we’re giving back to our planet too.