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Moving Home Mortgage Advice in Redditch

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7 days a week, 8am - 10pm

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Moving Home Mortgage Advice in Redditch

Planning your next move in Redditch? Let our expert mortgage advisors help you navigate the home-buying process with ease. Taking the stress away.

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Stress-free Moving Home in Redditch

Relocating to a new home should be an exciting experience. But the process can become overwhelming if you don’t know where to begin. Luckily, we are here to help. Our mortgage broker in Redditch offers a stress-free way to move home.

If you’re looking to move to Redditch, our team of experienced mortgage advisors can provide you with the best advice and mortgage options available. With over two decades of industry knowledge, we will take the stress out of the process and ensure a smooth transition.

We have access to thousands of different mortgage products, so we can provide you with the right product to help you move home. Get in touch with us now for a free consultation and find out how much you can borrow to move into your new property.

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Moving Home Mortgage Advice in Redditch

Start Your Moving Home Journey in Redditch

Are you ready to move home in Redditch? Let our mortgage broker help you. We will guide you through the entire process, from getting a mortgage quote to meeting with your advisor.

We make sure to provide you with the best advice and products available so you can move into your new home with ease. Our moving home mortgage advisor in Redditch will work with you to ensure that you get the best mortgage product for your needs.

Don’t let the stress of moving home take away the joy of relocating. Get in touch with us today and find out how we can help you make the process easier.

Can I move my current mortgage to a new house in Redditch?

Yes, in many cases, mortgages are “portable,” meaning you can transfer your current mortgage to a new property in Redditch.



However, it’s important to note that while it is portable, you will still need to go through the mortgage application process again. If there have been changes in your circumstances, you may no longer be eligible for the original terms, and your qualification will be evaluated based on a new credit score.

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Popular Moving Home Mortgage FAQs in Redditch

What are the costs when moving home in Redditch?

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When moving home in Redditch, there are several more expenses to take into account, particularly when compared to a first time buyer.



These costs include estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees, and mortgage broker fees.

What happens if you buy a house in Redditch and want to move?

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As you plan to move, your legal representative will handle the process of using the proceeds from selling your current house to fully pay off your existing mortgage.



Should you decide to purchase a new property, you have two options regarding the mortgage. You can either apply for a new mortgage to finance the purchase, or, if your lender permits it, you can transfer your current mortgage to the new property through a process known as “porting.” However, keep in mind that porting might require reevaluation based on your financial circumstances and credit score.

Can I pay off my mortgage in Redditch early?

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Indeed, you have the option to pay off your mortgage in Redditch before the agreed-upon term. Nevertheless, it’s crucial to bear in mind that you’ll be required to clear any applicable early repayment charges in addition to the outstanding balance.



Furthermore, during your introductory, fixed, or discount period, numerous lenders allow you to make annual overpayments of up to 10% of your mortgage balance.



If your mortgage is on a standard variable rate, you typically enjoy the flexibility of making unlimited overpayments without any restrictions.

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Our Simple Mortgage Process

Speak to an Expert Mortgage Advisor in Redditch

Step 1

When moving home in Redditch, you need to consider the mortgage side of the process, not just physically moving out of the property.

Getting an expert to assist you through this part of the process can be extremely useful and can let you focus on moving out of the property.

Free Home Movers Mortgage Appointment

Step 2

You can easily book a free mortgage appointment online, with a mortgage advisor in Redditch who specialises in mortgages for those looking to move home.

During this appointment, your mortgage advisor in Redditch will gather information from you to get an idea of what sort of mortgage you could access for your new home. If possible, they may also discuss the idea of porting your current mortgage.

Preparing Your Mortgage Application

Step 3

Once your moving home mortgage advisor in Redditch has found you the perfect mortgage product for your new home, if you are happy to proceed with us and the product, we can begin preparing your mortgage application.

At this stage in the process, you will be handed over to a dedicated case manager who will be your first point of contact throughout the remainder of your journey.

Submit Your Mortgage Application

Step 4

You will be asked to prepare documents to support your mortgage application so that the lender has evidence of your affordability. Once these are attached to your application, we can send it off to the mortgage lender!

All that is left to do is to wait for your lender to respond. Once we hear back the good news, we will be in touch right away. If there is not a property chain holding up your "move in date", you can grab the keys to your new home and begin moving in!

Reasons to Choose us

Free Mortgage Appointment

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We know that moving home can be stressful and daunting, but with our support, you can make the process much smoother. Our team of mortgage advisors in Redditch will be by your side when it comes to finding the right mortgage deal for you.

1000s of Deals

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We have access to thousands of mortgage deals, and our advisors will be able to review your budget and help you determine the maximum amount you can borrow. Our service also offers a fast turnaround when it comes to getting an agreement in principle. In some cases, we can get this sorted in as little as 24 hours from your initial enquiry.

Our Service

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As a mortgage broker in Redditch, we understand that each customer is unique, and that is why customer service is at the centre of everything we do. Our customer feedback speaks for itself, and we are proud to be able to offer a service that is second to none.

7 days a Week

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We are available to offer you mortgage advice in Redditch seven days a week. Our advisors are on hand to talk to you when it is convenient for you. We have helped many people move home in Redditch and are excited to help you too.

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We Search 1000s of Moving Home Mortgages in Redditch

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Moving Home Scenarios in Redditch

How much you can borrow and the costs

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If you are looking for mortgage advice in Redditch, get in touch with us as soon as possible. Our team can provide you with an indication of the maximum amount you would be able to borrow, the interest rate that would apply, and the amount of your monthly payments.

You need an agreement in principle

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During your free mortgage consultation, your advisor will search thousands of deals to find the most suitable option for your circumstances. If you decide to proceed with our recommendation, we can get you an agreement in principle (AIP). With your mortgage AIP now obtained, you will be ready to make offers on a property purchase in Redditch.

Your offer on a new home has been accepted

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Fantastic! Your next step is to get in touch with your mortgage advisor in Redditch. They will be able to progress your mortgage application and provide advice on the types of property surveys. Our team can also recommend a conveyancing solicitor.

Your bank has declined you

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It can be frustrating when your Bank or Building Society decline your mortgage application. This could be because your credit score was too low or they will not lend you enough for what you hope to achieve. Don’t worry, our mortgage brokers in Redditch have a deep understanding of specialist products and their criteria.

We work with a large panel of lenders who offer these products to those who may have had credit issues in the past. Our team have rarely come across a situation we couldn’t help with, so please do not hesitate to contact us.

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Birminghammoneyman.com & Birminghammoneyman 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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