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Moving Home Mortgage Advice in London

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We Take the Stress Away From Moving Home in London!

Sometimes moving home in London can be stressful especially if you are going through it on your own – we don’t dispute this – but it doesn’t have to be, if you approach us before you choose to move home in London then one of our Mortgage Advisors in London will be able to help you in a number of moving scenarios.

 

Whether you’re moving home in London or wanting to see what your options are, feel free to chat with one of our Mortgage Advisors in London to see how best we can make your home move simple and stress-free. We’ll help you factor in additional costs such as transport, and keys to hand over, and be there with helpful Mortgage Advice in London as and when you need it i.e. if there’s a chain and you need guidance on what to do.

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We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in London

People have gotten in touch to seek Mortgage Advice in London. They may be doing so for a number of reasons:

  • Is your current property on or soon to be ‘on the market’ and you’re wanting to know how much you can borrow and how much your repayments will be?
  • Have you sold your house and are wanting to make an offer on a new property?
  • Already had your offer accepted and want to get going with your mortgage application?
  • Would like a Mortgage Agreement in Principle Certificate to back-up any offers you are ready to make?
  • Already visited your Bank’s Mortgage Advisor and been declined? i.e. poor credit, income mix, the bank won’t lend enough, not fitting their lending criteria etc.
  • Do you have an unusual or complex mortgage situation and need help?

 

If you fall into any of these categories or even something else, we will do all we can to help.

Why choose Londonmoneyman as your Moving Home Mortgage Broker?

As an open & honest Mortgage Broker in London, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our Mortgage Advisors in London have your best interests at heart!

 

  • Free no-obligation mortgage consultation for all customers.
  • We are not tied to any Estate Agents, Bank or Builders and have your sole interests at heart.
  • Our expert mortgage advisors are here 8am – 10pm to answer all of your mortgage needs. Getting through to an advisor will never be a problem.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

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.  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.

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We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

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.

Handy quick links

Londonmoneyman.com & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Londonmoneyman

Londonmoneyman, Thanet House, 231-232 Strand, London, WC2R 1DA.

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