01273 736536

MOVING HOME

Considering moving home?

MOVING HOME

Considering moving home?

Your home move

If you’re contemplating a move it can be difficult to know where to start. With so much to consider including how much you will sell your present home for? What are the costs involved? How much can you borrow? and will the monthly mortgage payments be within a budget you are comfortable with?

It is best for you to chat over your objectives with one of our home buying experts who will listen to you and give you the information you require to make an informed decision if a move is right for you.

How much can
I borrow?

Your annual income
£

Partners annual income (if applicable)
£


You could borrow up to

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

Please remember to add your deposit to the borrowing amount indicated on the calculator to give you an idea of your purchase price.

This calculator is designed to give you an indication of the amount you can borrow. The actual amount you can borrow does depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income.

It may be possible to borrow more than our calculator shows you, that’s where the expertise of our personal advisers comes in and where our independent status benefits you.

*All potential borrowing is subject to affordability checks and credit status

Your home move in 4 simple steps

Step 1

Book a time to chat over your objectives and circumstances with a personal home buying expert / mortgage adviser.

Step 2

Let your personal mortgage adviser save you time by working out all the costs, researching the market and giving you the confidence to move home.

Step 3

When you have found a buyer and a property to purchase, your mortgage adviser will apply online for the best mortgage for you.

Step 4

Your dedicated relationship manager will see you all the way through to getting your door keys, keeping you well informed along the way.

Get the advice you need, speak with an independent expert today!

What you need to know…

How much can I buy my next home for?

You will need to find out how much you can borrow, how much you will be able to use as a deposit after the selling and purchasing costs, and the monthly payments to accurately assess your maximum purchasing power. It is best to have an expert give you the guidance you need and advice before putting your property on the market.

How much can I borrow?

You can get an indication of how much you can borrow by using our handy “how much can I borrow” calculator. The actual amount you can borrow will depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income. It may be possible to borrow more than our calculator shows you, that’s where the expertise of our personal advisers come in and our independent status benefits you.

Will I get the best deal?

Because we are independent mortgage brokers we will be able to secure you the best deal for your circumstance.

What costs are involved with selling and buying my new home?

There are costs associated with selling and buying your new home. When selling your current home, you will need to consider estate agency fees, legal fees to sell and any potential mortgage penalties if applicable. With your onward purchase potential costs include legal fees, a survey fee, stamp duty (which is a property land tax) and administration fees. Within selling and buying you may want to clear some debt from the sale proceeds to make your overall monthly outgoings more affordable. Our personal advisers can give you guidance and advice within a free consultation.

What is the benefit of having an agreement in principle?

An Agreement in Principle, also known as a ‘Decision in Principle’ will be provided by a lender after affordability and credit checks have been approved. An Agreement in Principle is extremely useful to increase your confidence before putting your property on the market also when viewing and offering on properties. Estate Agents will typically want to see an Agreement in Principle before presenting your offer to a seller. Our personal advisers can help you with this.

Will I be accepted for a mortgage to move home?

Being accepted for a mortgage does depend on your circumstances. We are experts with all types of mortgages… We specialise in obtaining mortgages for the self-employed, contractors, construction industry scheme (CIS) workers and those with historic adverse credit (as well as employed customers too of course). In all these situations we can frequently secure high street deals. Being independent and experts is a real benefit in these circumstances.

How much will my monthly payments be?

Your monthly payments will vary according to the chosen mortgage term, choice of product, level of deposit and repayment type. You can get an indication of the monthly payments by using our calculator below, but it is best to chat with a personal adviser to find out exactly what interest rate and term you can secure to give an accurate monthly payment.

Should I use a local estate agent or an online agent to sell my current property?

A local estate agent will generally offer better value for money than an online agent. A local agent is probably going to be more expensive than an online agent however they have the local knowledge to value your property accurately, will arrange the viewings, conduct personal viewings at short notice, provide necessary feedback and negotiate the best price from the buyer. Both online agents and estate agents will typically use web portals like Rightmove, Zoopla and On The Market. Our mortgage experts can help you make the decision and discuss costs.

Useful calculators

How much can
I borrow?

Your annual income
£

Partners annual income (if applicable)
£


You could borrow up to

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

Please remember to add your deposit to the borrowing amount indicated on the calculator to give you an idea on your purchase price.

This calculator is designed to give you an indication of the amount you can borrow. The actual amount you can borrow does depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income.

It may be possible to borrow more than our calculator shows you, that’s where the expertise of our personal advisers come in and our independent status benefits you.

*All potential borrowing is subject to affordability checks and credit status

Mortgage calculator

How much will you be borrowing?
£

Over how many years?

What is the interest rate?
%


Your monthly repayment will be


£0

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

To work out your monthly payments simply adjust the following to calculate your mortgage costs: – The amount you want to borrow
– The number of years you wish to borrow the money over
– The interest rate
This calculator is designed to give you an indication of what your monthly payments on a repayment basis and should not be consider as a mortgage quote. Your actual monthly payments will depend upon the amount you are able to borrow, the maximum term available (subject to age) and the size of deposit you put down. To make sure you are getting the best interest rate, chat to your personal mortgage adviser who will use their expertise and independent status to your benefit.

How much deposit
will I need?

Purchase price
£


You'll need a deposit of at least

Chat over your objectives with an Expert Mortgage Adviser now on

01273 736536

Information

This calculator is designed to give you an indication of the minimum deposit you will need to purchase for a certain price. The amount of deposit needed may vary according to your circumstance and the property type. To find out exactly how much deposit you will need, chat with our expert mortgage advisers.

5 star Google reviews

Paul


Kevin, Tina and Madison were always there to reassure and help us when needed, and are the nicest number crunchers out there!

David


They are not only the total professionals, but have great customer service and keep you informed at every step of the process.

Lorraine


They do their best to find a product and a solution to help you achieve the outcome you want.

Latest from the blog

Be Mortgage Ready In 3 Easy Steps

If you are looking to purchase a new property but don’t have the sufficient deposit budget, the best next step is to start looking for a reliable mortgage advisor. Applying for a mortgage is a lot more complicated than it looks and so approaching professionals for the...

read more

Want to send us a message?


 

Contact

For expert mortgage advice
01273 736536

Earn £100

Recommend a friend & receive £100 for every referral!