Expert Advice For
Home Movers
Access the most competitive products when moving home, delivered in a reliable, straightforward and transparent manner with a laser like focus on customer service.
Your home may be repossessed if you do not keep up repayments on your mortgage
Mortgages For Home Movers
Whether you are porting your existing mortgage, need to access a new product, or are simply just not sure where to start, we are on hand to recommend the most suitable mortgage product for your circumstances.
Reliable, Expert Advice
Competitive Rates
Outstanding Reputation
Range Of Products
Types Of Mortgages Available
Self Employed
Being self employed doesn’t mean you can’t get a mortgage. Using a broker means you have access to a wide range of products and options.
Fixed Contract
If you’re on a fixed contract, we will be able to review your circumstances and recommend the most appropriate product.
Bad Credit
Whilst bad credit can limit the number of products available, there are lenders who will consider people with a weak credit history.
Fixed Rate
Fixing your rate will give certainty on monthly payments for a set amount of time. Commonly two, five or ten years.
Other Rates
Other rates available include discount, capped, floors, variable and offset. We will recommend the most appropriate option for your circumstances.
Your Questions Answered
Can I still move if I'm in the middle of my fixed term?
This would depend on your lender, but the options tend to be to either port your mortgage to the new property and if it is a higher value, apply for a further advance to increase the loan size or move it without increasing and arrange a second charge mortgage to cover the shortfall.
If your property value is less than your current property, reducing the size of the loan could result in you needing to pay an early repayment charge.
Is it easy to get a mortgage if i'm self employed?
Whilst there are a couple more hoops to jump through, the general answer here is yes. You will need to prove your income and the requirements here will differ slightly from one lender to another. If you are self employed, using a mortgage broker is likely to mean you will benefit from a wider range of options.
My credit score is bad. How will this affect my chances of getting a mortgage?
A bad credit score doesn’t mean you can’t get a mortgage. It tends to reduce the pool of lenders available to you and generally increases the interest rate you will pay (and the cost of your repayments).
Working to improve your credit score if generally a good idea if you are planning on getting a mortgage in the next 12-24 months as this will generally make it easier and cheaper.
How much deposit will I need?
If you are moving home, you will need a deposit of 10% or more. The larger your deposit will mean the lower your monthly repayments because the lender will see less of a risk your property could fall into negative equity.
Should I fix my mortgage?
This depends on your circumstances and general preferences. Fixing your mortgage will mean that payments and interest rate are a set amount for a given length of time (such as two or five years), however you could face an early repayment charge if you pay off too much of the loan in a 12 month period.
Choosing a variable rate mortgage could be preferable if you are unsure on the length of time you will need it for, however generally people choose to fix their mortgage because it gives more predicability and protects from rate rises than variable rate mortgages are at risk of.
What documentation will I need when applying for a mortgage?
- Copy of your credit report
- Proof of ID
- Proof of address
- Evidence of where your deposit is coming from
- Proof of income
- Proof of expenses
Remember that any ID will need to either reflect your current name or be accompanied with the relevant name change documentation (such as a marriage certificate).
If you are a non-UK National, you will need proof of a valid visa with a minimum of 6 months remaining and proof of 3 years residential history.
What are your fees?
Our mortgage fees are £495
Let's Chat
Our team of specialists are on hand Monday to Friday 9am - 5pm to answer any questions you may have.