Moving Home Mortgage Advice in London
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;
How much can I borrow & what are the costs of buying a home in London?
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.
Need an agreement in principle to make an offer?
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.
Your Offer On a New Home in London Has Been Accepted
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.
Having Trouble with The Bank in London
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.
Looking at Moving Home in London? Let Us Help!
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.
Free Mortgage Appointment in London
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!