If you are Moving Home in London and are looking at taking out some expert Mortgage Advice in London, then you are in the right place. For well over 20 years, we have been providing customers with Mortgage Advice in London, helping thousands of customers to get over the hurdles they face on the property ladder, in order to move into their new home.
We know that Moving Home in London can come with it’s own set of challenges. Not only will you be finding a new home, but you’ll be trying to find a buyer for your current home and packing up your belongings as well.
It’s because of this that we want to offer our customers complete help and guidance. Our fast and friendly team of mortgage advisors in London pride themselves on being responsive, open & honest, providing a top tier mortgage advice service.
As a long standing mortgage broker in London, we always aim to provide our customers with the best service we possibly can. We are able to search through thousands of deals, thanks to our vast panel of lenders. We will take a look at your personal and financial situation, helping you to find the best mortgage deal that applies to your case.
If you have a flexible mortgage product and would like that moving to your new home, we can help with that too.
Feel free to take a look at our brilliant customer reviews to find out what previous customers thought about the service they received. You’ll come to find why many people come back to us time and time again. Our reviews always make us proud to be a Mortgage Broker in London.
If you are considering your options for Moving Home in London, you should book yourself in for a free mortgage appointment with one of our dedicated Mortgage Advisors in London. Our team are hard at work from morning until late evening, every day of the week, with appointments that best suit your lifestyle; subject to availability.
Are you looking at moving in or around London for the first time? Perhaps you are already a local looking for another home nearby? In any case, our trusted team of hard working mortgage advisors in London would be happy to help. Over the years, we have helped lots of homeowners on their mortgage journey.
Below we have created a list of some of the most commonly asked questions from home movers that we have seen;
We tend to find that many of our customers contact us a little earlier on in their process, so that they can reap the benefits of expert Mortgage Advice in London.
Usually, this is because they would like to get a rough idea of what the costs of buying a home would be, ahead of time. They may also be looking to find out how much they can borrow, what the interest rates would be and how much their monthly repayments may be.
Your dedicated mortgage advisor in London will be able to go over these in your free mortgage appointment. There isn’t always a set amount, as your income, term length, property value and various other factors will be considered to determine the amount you can borrow, as well as the potential costs.
Once you have gone through your free initial mortgage appointment, your expert mortgage advisor in London will then begin the search for the best deal for you, searching through 1000s of products.
If you are happy to proceed with the deal we have found for you, then we will need to look at getting your mortgage agreed in principle. This document will be required for the next steps in your journey, but also shows the seller of any properties you make an offer on, that you are serious and ready to proceed.
Generally speaking, we are able to obtain an Agreement in Principle for you within 24 hours of your appointment, and we can help you get it renewed at any time if it runs out.
If your offer on a new home has already been accepted, it’s time for your dedicated mortgage advisor in London to get started with the full process of your mortgage. We are also able to help with any other aspects of the home moving process, such as recommending conveyancing solicitors and advising on property surveys.
There are many reasons as to why your bank may decline your mortgage application. You may not have met their strict credit scoring criteria, or perhaps they simply just weren’t willing to lend you the amount you wanted.
Regardless of what the potential reason is that you are declined an application, you will still be able to reap the benefits of speaking with a mortgage broker in London. We have an in-depth knowledge of mortgage lending criteria, and will be able to match you up with the best lender for your situation.
We have a large panel of mortgage lenders who offer more niche and specialist products, tailored towards customers who have struggled with their credit. Your credit file will be factored in to whether or not you are eligible for these.
If you would like to learn more about how we can help, book yourself in for a free mortgage appointment with one of our dedicated mortgage advisors in London today.
If you are considering your options for moving home in London, then our trusted team of hard working and knowledgeable Mortgage Advisors in London will gladly be able to review the potential paths that you have access to take.
Your advisor will be right by your side, from the start of the process, until completion and beyond. You have their full support and guidance; They will do their best to answer all of your mortgage questions, at any point of the process.
Our team have a wealth of experience in providing expert mortgage advice in London, helping customers on their property owning journey. It’s unlikely there is a situation we have never come across before. They will use that knowledge to advise as best as they can, based on what you are looking to do.
During your free mortgage appointment, we will take a look at what it is you are looking to achieve, making sure we know how to overcome any hurdles in place. A trusted member of our mortgage advice team will review the costs that you may face, and provide an estimate of the amount you may be able to borrow, as well as what your monthly payments may be.
Once they know what you are looking to achieve, your mortgage advisor in London will then go back and search through 1000s of unique deals, to see which one is right for you. If you are happy to proceed with our recommendation, we will look to get your Agreement in Principle, typically obtained within 24 hours and often, if possible, within the same day.
When you have found a property and had an offer accepted, it’s then onto the final stages. Your advisor will work with you, all the way through to completion and beyond. It’s about more than just finding the right deal. We are able to suggest property surveys and help you with conveyancing solicitors.
After your mortgage is completed, it is our job as a dedicated mortgage broker in London to provide recommendations for various insurances. These are never obligatory options, but we care about our customers and wouldn’t be doing our job if we didn’t at least let you know about all the ways you can protect yourself, your family and your mortgage payments.
We are always on hand to help customers take the next step in their journey. Get in touch and we will see how we are able to help!
Your free initial mortgage consultation in London will last roughly one hour. Your dedicated mortgage advisor in London will then recommend a mortgage for you, with no obligation for you to proceed. At this point, it is up to you to decide whether or not you wish to proceed with the recommended mortgage.
If you choose us as your Mortgage Broker in London, then our process will work as the following; One of our Mortgage Advisors in London will carry out a Fact Find to determine your, needs before recommending the most suitable mortgage available for you. A credit check will then be required for an Agreement In Principle. Â Once all the relevant documentation has been gathered and the valuation of the property has been undertaken, a formal mortgage offer can be issued.
In order for you to ensure you are prepared as early as possible, our Mortgage Advisors in London recommend that you obtain an Agreement in Principle prior to viewing properties in London. At the very latest you should obtain a Mortgage Agreement in Principle before you make any offers, in order to help with your bargaining position.
An Agreement in Principle will normally last somewhere in the range of 30 and 90 days. This depends on the Lender that is being used. If your Agreement in Principle expires, your advisor can always refresh this for you.
If you are looking to achieve something like debt consolidation or home improvements, you may be able to get a second mortgage. The option for a second mortgage can also be used on a second property if you are looking at using it for yourself, a family member, a holiday home or a Buy to Let.
The minimum deposit necessary for purchasing a house in London with High Street Lenders is usually at 5%. If you have had previous credit problems, this could be higher.
Obtaining a mortgage if you have had previous credit problems isn’t completely impossible, but you may face certain hurdles, such as some lenders requiring that you put down a higher deposit than usual, perhaps 15% of the property purchase price.
You are able to get a mortgage once you have submitted at least one year’s accounts. The majority of Lenders use your salary plus dividend to calculate the maximum amount you can borrow, whereas others may use your net profit.
Three payslips are generally what is required for an employee to prove their income and if you are Self-Employed, it’s usually the latest 2 years’ accounts. You will also need to produce some proof of ID, your address and the latest 3 months’ bank statements.
If you take up a free initial mortgage consultation with one of our trusted Mortgage Advisors in London, your appointment will last around an hour. Your advisor will be able to turn round an agreement in principle within 24 hours, with a formal mortgage offer taking roughly about three weeks on average.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
A telephone call where we can take some initial details and find out about your plan of action.
Enjoy finding a property!
Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.
Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.
