Moving Home Mortgage Advice in London

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We take the stress away from moving home in London.

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.

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Moving Home Mortgage Advice in London

Mortgages for people who are moving home in London.

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.

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Common FAQs for Moving Home in London

Can I move my current mortgage to a new property in London?

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Yes, most mortgages in London are "portable", meaning you can transfer your current mortgage in London to a new property, if you fit the criteria.

If you have to reapply for this transaction and your situation has changed, you may no longer be eligible and you will be subject to a new credit score.

What are the costs when moving home in London?

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There are loads of costs to keep in mind when moving home in London. Some of these costs will include: Estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees and fees from a mortgage broker in London.

What happens if I buy a property and want to move home in London?

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When you move, your legal representative will fully repay your existing mortgage from the proceeds of the sale of the house.

If your lender will allow this, you will need to start a new mortgage if you are purchasing a new property or “port” your current one to your next property.

Can you pay a mortgage off early in London?

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You can pay your mortgage in London off in full at any time, if you also pay any early repayment fees that may apply.

Most mortgage lenders will allow annual overpayments of 10% of your mortgage balance per year, if you remain in your introductory, fixed or discount period.

If you are on a standard variable rate you can usually overpay as much as you want.

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Our Simple Mortgage Process

Free 30-Minute Home Movers Reviews

Step 1

Speaking with an expert mortgage advisor in London, they can look at your current circumstances and will ask what you hope to achieve.

During this free appointment, your mortgage advisor in London will gather details on your income and expenditure to work out your maximum affordability.

We Can Search 1000s of Mortgage Deals

Step 2

Your mortgage advisor in London will search through 1000's of mortgage products to find the most suitable deal for you!

We will get you your mortgage agreement in principle, which can be incredibly useful for backing up any offers you would like to make.

Submit Your Mortgage Application

Step 3

Once you have had an offer accepted, your mortgage advisor in London will submit your full mortgage application and evidential documents to the mortgage lender.

During this process, your dedicated case manager will make sure that you are kept up-to-date all the way through, until you receive your formal mortgage offer and complete both your purchase and sale.

Protecting You and Your Mortgage

Step 4

Our service doesn't stop there. As well as securing you the most suitable mortgage deal, we will also make relevant insurance recommendations to keep you and your loved ones protected.

When your mortgage is due for renewal, we will reach out to you, to make sure that you are always on the best deal.

Reasons to Choose us

Free Mortgage Appointment

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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.

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!

1000s of Deals

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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.

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.

Our Service

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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.

7 days a Week

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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 mortgage advisor in London will be right by your side 7 days a week, 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.

Malcolm and Amy Davidson - Mortgage Advice in London

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Common Moving Home Mortgage Scenarios

How much can I borrow & what are the costs of buying a home in London?

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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?

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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

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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

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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.

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Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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