We can supercharge your mortgage search & find the best deal – just sit back and relax.
What are my mortgage options when moving?
If you’re a current mortgage holder & you want to move home, you have two options:
- Ask your current provider to lend you the extra money & move (‘port’) your mortgage to the new property.
- Get a new mortgage & replace your existing one.
We’ll help you decide which one makes more sense by comparing quotes, so you don’t have to wargame which is right for you.
- Get quotes from 150 lenders.
- No credit check is required.
- Rates from just 1.19%.*
- Unbiased financial advice.
How does porting my mortgage work?
We might be able to port your existing mortgage to your new property if your current deal allows it. Our advisers can work this out by reading the small print of your existing mortgage. If it’s portable you will need to:
- Go through a new affordability check.
- Pay for a new property valuation.
- Pay legal fees & stamp duty again.
If it’s not portable don’t panic, we can still find you an awesome mortgage to replace your old one.
How much could I borrow?
Mortgage Lenders look at all sorts when working out how much you could borrow. The most important is affordability (what you could afford to pay back each month). They work this out by looking at:
- The length of the mortgage term.
- Your credit record.
- The value of the property you’re buying.
- Existing debts.
- Your deposit.
- Your age.
- Your income.
- If you are applying solely or jointly.
How do I manage my new mortgage?
Once you move into your new home and begin paying your mortgage, you must keep up to date with your agreed monthly payments. Failure to do this may result in penalty charges and even the repossession of your home. The safest way to avoid this is to set up a direct debit payment from your account that will automatically go to your lender providing there is enough money in your account.
Do I have to use the mortgage adviser that the estate agent recommends?
Will you charge me a fee?
We do charge a fee, but we won’t do this until your mortgage is sorted & you have an agreement in principle (AIP). All our advisers are fully CeMAP qualified, so you’re only getting advice from the best of the best.
What do we do?
We’re a fully independent mortgage broker. Our expert advisers have bags of experience when it comes to scouting out mortgage deals. We search high and low comparing quotes & we’re not biased toward any one lender. Our focus is on finding you the best deal going.