Are you looking to move home in Stafford? Moving house can be a stressful experience, but it doesn’t have to be that way. Our team of mortgage advisors in Stafford have years of experience in the mortgage industry and can provide you with the best mortgage and home-moving advice to make the process smoother. We have access to thousands of mortgage products and can provide you with a free moving home consultation to help you find the right mortgage for you. Our team can work with you to get the best deal for your move, and make sure you understand the process from start to finish. We understand how important it is to get the right mortgage when moving home and our mortgage advisors in Stafford are here to help you on your journey. Get in touch today and let us help you make moving home in Stafford easier.
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When it comes to moving home in Stafford, you want to make sure you’re getting the best advice and mortgage product available. Our team of mortgage advisors in Stafford have the expertise and knowledge to provide the best advice for your needs. We only recommend mortgages that are suitable for your individual circumstances and can provide you with the most competitive rates available. Our advisors will be with you every step of the way and help guide you through the process. As a mortgage broker in Stafford, we can also help with any queries you may have throughout the process and make sure you understand all the steps involved. We are committed to helping you make your move as stress-free as possible. Get in touch today and let us help you find the right mortgage for your move.
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In many cases, mortgages can be "portable," allowing you to transfer your current mortgage to a new property in Stafford. However, it's essential to be aware that even though portability is an option, you will need to go through the mortgage application process again. If there have been changes in your circumstances, you might no longer qualify for the original terms, and your eligibility will be reevaluated based on a new credit score.
These costs you may comes across when moving home in Stafford include estate agency fees, property survey fees, mortgage arrangement fees, solicitor's fees, removal fees, and mortgage broker fees. Your mortgage advisor in Stafford will run through these costs and their estimated values during your free mortgage appointment.
When moving home in Stafford, your legal representative will manage the process of using the funds from selling your current house to completely pay off your existing mortgage. If you choose to buy a new property, you will likely be presented with two mortgage options. Firstly, you can apply for a new mortgage to fund the purchase. Alternatively, if your lender allows it and the option is affordable, you can "port" your existing mortgage to the new property. Please bear in mind that the porting process may necessitate a re-evaluation based on your financial circumstances and credit score.
Yes, in most cases, you can pay off your mortgage early. However, it's essential to review your mortgage agreement or contact your lender directly to understand any specific terms or conditions related to early repayment. Additionally, many lenders allow borrowers to make yearly overpayments of up to 10% of their mortgage balance during the introductory, fixed, or discount period. For mortgages on a standard variable rate, borrowers typically enjoy the freedom to make unlimited overpayments without facing any restrictions.
Our Customers Love Us
4.99 Rating69 Reviews
James
Jason and his colleagues at UK Moneyman have been amazing from the start. When we began the process of house buying and finding a mortgage we knew very little, but Jason explained much to us in a telephone consultation and outlined all our options....
3 months ago
Samantha
Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
3 months ago
Shelline
Leo Shakespeare and Stacey Jopling has work long side each other to made this entire journey extremely smooth and informative as a first time buyer. His service has been phenomenal. I had been rejected from many other brokers and banks and he...
6 months ago
Nafesa
I have been dealing with Wendy and Malcolm in regards to my house purchase and I could not recommend these enough. A true credit to the company. Very efficient with communication and solving any issues that needed to be addressed. Would highly...
8 months ago
Anonymous
Incredibly helpful, supported throughout whole process
8 months ago
Nazeef
Fantastic experience. Charlie helped me race through to secure the best mortgage offer, best plan for life and critical illness insurance. Very approachable and responsive even with any queries I had after everything was completed.
9 months ago
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
1 year ago
Rosie
Made everything very easy, we are first time buyers and they couldn't have been more helpful or informative. They didn't make us feel like we were stupid for not know anything about buying a house and talked us through the entire process. They even...
1 year ago
Sophie
Tom and Meghan were brilliant throughout the entire process! Both were friendly and knowledgeable and explained everything to us clearly and answered our countless questions and gave us clarification where we needed it. Both were easy to contact and...
1 year ago
Esme
Super helpful, made the whole process really easy and explained everything as we went along. Pretty good at keeping in contact, keeping us up to date and explaining the choices we had and then giving us the time to discuss and make those decisions.
1 year ago
Sheikh
I must say I am very pleased with the service I recieved from Moneyman, they set up regular calls and kept us updated throughout the checking progress. Fairly priced fees and very knowledgeable! I would highly recommend their services
1 year ago
Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
1 year ago
Nicholas
We couldn't be happier with the service provided. Matt has been professional, helpful and extremely supportive throughout our process. We will certainly be recommending you to friends. Communication was 5* and Matt was available at any point...
1 year ago
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
1 year ago
Andrew
To say we have had a nightmare of a process of trying to buy a house would be an understatement, however Wayne and team were the bright light that helped us get through it. Can't thank them enough for their help.
1 year ago
Kazim
That nice 😊
1 year ago
Kristina
Brilliant service! Would highly recommend! Tom at the Birmingham branch was amazing. We're first time buyers so we were very unsure of the whole process and had lots of questions. Tom gave us all the support and guidance we needed and was there for...
1 year ago
Anonymous
Moneyman were really supportive during this process. After our first house fell through following downvaluation, they were really helpful in outlining the process moving forward and supporting us through the next house sale. Couldn't be happier with...
1 year ago
Eleanor
Thank you so much for your support Even when I Couldn't get hold of anyone else During the pandemic Your staff were there to encourage me to press on with the mortgage after Thanks for your help and the guidance Thanks for giving me a chance And...
2 years ago
Anonymous
Very good service, unbelievable fast to apply my mortgage. Thank you all of you.
2 years ago
When moving home in Stafford, 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.
You can easily book a free mortgage appointment online, with a mortgage advisor in Stafford who specialises in mortgages for those looking to move home.
During this appointment, your mortgage advisor in Stafford 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.
Once your moving home mortgage advisor in Stafford 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.
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!
Our free moving home mortgage review is available to all customers and helps you calculate your budget and the maximum amount you can borrow. We also provide a fast turnaround for mortgage agreements in principle, with some being arranged within 24 hours of an enquiry.
At a time when moving home can be stressful, our mortgage advisors in Stafford can make the process easier and help you find the best deal. We have access to thousands of mortgage packages and our advisors can help you decide which one is right for you.
We understand that every customer is different, so we strive to provide the best customer service possible. Our happy customer reviews are testament to this.
Our mortgage advice in Stafford is available 7 days a week and our expert advisors are here to help you find the perfect deal for your new home. We look forward to hearing from you and helping you move home with ease!
We recommend contacting us early in the process to determine the maximum borrowing amount available to you, the applicable interest rate, and the monthly payment amount. Getting in touch early will help you better understand the financial aspects of your mortgage and plan accordingly.
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 Stafford.
This is excellent news! Your next step is to get in touch with your mortgage advisor in Stafford. They will be able to progress your mortgage application. Our team can also help with the types of property surveys and recommend a conveyancing solicitor.
There are several reasons why your Bank or Building Society may decline your mortgage application. It could be that your credit score was too low, or they will not lend you enough for what you hope to achieve. However, it is still worth speaking to a mortgage broker in Stafford to see if we can find a suitable lender. At our team, we work with a large panel of lenders who offer specialist products tailored to clients who may have had credit issues in the past. Our mortgage advisors in Stafford have a deep understanding of these products and their criteria. If you do not fall into any of these categories, please do not hesitate to contact us. Our team has rarely come across a situation we couldn’t help with, and we will be happy to assist you. We offer mortgage advice in Stafford to ensure that you get the perfect mortgage solution for your needs.
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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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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
