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Moving Home Mortgage Advice in Stafford

It's free to speak with a mortgage advisor
7 days a week, 8am - 10pm

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Moving Home Mortgage Advice in Stafford

Planning your next move in Stafford? 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 Stafford

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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Moving Home Mortgage Advice in Stafford

Start Your Moving Home Journey in Stafford

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.

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

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.

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Popular Moving Home Mortgage FAQs in Stafford

What are the costs when moving home in Stafford?

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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.

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

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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.

Can I pay off my mortgage in Stafford early?

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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.

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Our Simple Mortgage Process

Speak to an Expert Mortgage Advisor in Stafford

Step 1

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.

Free Home Movers Mortgage Appointment

Step 2

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.

Preparing Your Mortgage Application

Step 3

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.

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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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.

1000s of Deals

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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.

Our Service

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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.

7 Days a Week

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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!

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We Search 1000s of Moving Home Mortgages in Stafford

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 Stafford

How much you can borrow and the fees

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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.

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 Stafford.

Your offer on a new home has been accepted

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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.

You are struggling to get accepted for a mortgage in Stafford

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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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