Moving Home Mortgages
Expert mortgage advice to help you not miss out on savings and save time with moving home mortgages
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Updated: February 23, 2023
Here’s everything you need to know about moving home with a mortgage. Get in touch if there’s something specific you’d like to ask. You can get in touch by getting started or submitting a question to an expert mortgage advisor.
A decision in principle is also called an “agreement” or “mortgage” in principle. They all refer to the same thing which is an initial yes from a mortgage lender. This is here to give you an idea of what you can expect to borrow. This helps understand your budget for buying your home. This is the best place to start.
A decision in principle will also allow you to see what mortgage rates you are eligible for. This also helps budget your potential mortgage monthly repayments.
Many estate agents will ask to see a decision in principle if you would like to place an offer on a property. This acts as a way of showing the agent you can likely afford to purchase the property and that you are a serious buyer. Remember, you can use any mortgage advisor you like, even if they suggest otherwise.
We;re here to help you compare your mortgage options to get the most out of your move and not miss out on savings.
We can help look at the options with your current lender or other providers. In many cases, you may be able to “port” your existing mortgage to your new home. This means you can keep your existing rate and top up any new balance needed. This can often help you avoid any costly early repayment charges. In some cases, a new lender is the best option. Important – you may need to pay an early repayment charge to your current lender if your remortgage early.
This will depend on several things such as:
We’re here to help you understand exactly how much deposit you can expect to need. This can help you budget with clarity and understand how much you can keep back for furniture etc.
Minimal advice fees
We believe in minimal advice fees to help you save on your mortgage. There may be a fee for arranging a mortgage however, the precise amount will depend upon your circumstances and this will not exceed £195. The fee may be waived subject to the terms of the fee waiver agreement and will be confirmed within the initial meeting.
Margaret – Google Review
Will is just amazing. He helped me through the process of re-mortgaging under complex circumstances every step of the way. He responded swiftly to every enquiry and gave me the confidence that everything was under control. I would recommend his services to anyone as he really knows what he is doing and got me the best deal possible. Thanks Will
Jennifer – Google Review
I have spoken to many mortgage advisors and Will by far is the most thorough, detailed, approachable and available individual that I have had the privilege of working with. He is very transparent, helpful and continuously goes above and beyond to give the best service to his customers. Thank you Will for looking after me. It has been great working with you.
Hamid – Google Review
We’re here to help. Whatever your circumstances, drop your question here to get an answer from an expert mortgage advisor
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Mortgage Sorted is an Appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Proprietor : William Walton.
Mortgage Sorted will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.
Minimal Fee mortgage advice:
We believe in minimal advice fees to help you save on your mortgage. There may be a fee for arranging a mortgage however, the precise amount will depend upon your circumstances and this will not exceed £195. The fee may be waived subject to the terms of the fee waiver agreement and will be confirmed within the initial meeting.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. Important Information Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply
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