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Mortgages When Moving Home

People move home for a number of reasons-they may be upsizing or downsizing, moving for work or schools or to be near family. Whatever the reason, there are a number of considerations which you need to take into account when taking on the commitment of a new mortgage.

As independent mortgage specialists we will carry out a detailed fact-find with you and recommend a suitable mortgage.  Amongst the considerations that we make before making this recommendation are;

  • We will compare the overall costs of the mortgage including any fees and not just the headline interest rate
  • We know and will check the information that lenders need and will also check lenders affordability criteria and that you meet them. Lenders may not take all of your income into account, depending on whether it is guaranteed or not
  • We will do as much of the paperwork for you as we can which can speed up the application process
  • We have direct access to the lender whilst your application is in process which can help to keep the application on track
  • We can save you wasted time and effort by telling you which lenders are likely to lend to you and which aren’t eg if you are self-employed, your income is irregular or from more than one employment

Your home may be repossessed if you do not keep up repayments on your mortgage.

 

 

 

 

 

 

 

 

 

 

 

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