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Moving Home Mortgage Advice in Telford

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7 days a week, 8am - 10pm

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Moving Home Mortgage Advice in Telford

Planning your next move in Telford? 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 Telford

When it comes to moving home in Telford, it can be an incredibly overwhelming experience. But it doesn’t have to be that way. Let us take care of the mortgage side of the move, so you can focus on the other aspects.

As a mortgage broker in Telford, we strive to provide you with the best moving home advice and mortgage options to make your process as stress-free as possible.

If you want to get the jump on the process and find out how much you can borrow to help you move into your new house, contact us for a free moving home mortgage consultation.

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Moving Home Mortgage Advice in Telford

Start Your Moving Home Journey in Telford

If you’re relocating to Telford, our role as your mortgage broker in Telford can help. With more than two decades of experience in the mortgage industry, we understand how to assist home movers like you.

We have access to thousands of moving home mortgage products, and our moving home mortgage advisors in Telford will pick out the best one for you.

Get a quote today, and meet with your advisor. Let us make moving home in Telford a breeze.

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

If you’re planning to move to a new home in Telford and you have an existing mortgage, there are two options to consider.

The first is to port your mortgage, which means moving it to your new property while keeping the same terms and interest rate. But this option requires approval from your lender and certain conditions must be met, including the new property meeting their lending criteria.

The second option is to pay off your current mortgage and apply for a new one for your new property, which can be achieved by selling your current home. To determine the best choice for your situation, it’s important to consult with your mortgage lender and a mortgage broker to explore your specific options based on your financial circumstances.

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Popular Moving Home Mortgage FAQs in Telford

What are the costs when moving home in Telford?

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There are various costs involved with moving home in Telford. Here are some common expenses you might encounter during the moving process:

Estate Agent Fees: When selling a property, you may need to pay estate agent fees, the amount will be based on a percentage of the final selling price.

Conveyancing/Solicitor Fees: To handle the legal aspects of the property sale and purchase, you will need to enlist the services of a solicitor or licensed conveyancer. Their assistance comes with associated fees for their expertise and support.

Property Surveys: Prior to purchasing a new property, it’s advisable to consider conducting a survey to assess its condition. The costs of the survey can vary depending on the level of detail and comprehensiveness you opt for.

Stamp Duty: When the property you are buying surpasses a specific price threshold, there is a possibility that you will be required to pay Stamp Duty Land Tax. The amount of tax owed varies depending on the value of the property and your individual circumstances.

Mortgage Arrangement Fees: When obtaining a mortgage for the new property, it’s important to take into account that certain mortgage deals may include arrangement fees.

Removal Costs: Transporting your belongings to the new property by hiring a professional removal company will involve incurring expenses.

Can I pay off my mortgage in Telford early?

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You have the option to expedite the repayment of your mortgage in many instances. However, it’s crucial to gain a thorough understanding of the specific terms and conditions regarding early repayment. To do so, carefully review your mortgage agreement or promptly seek advice from a financial expert.

Moreover, during the initial fixed or discount periods, several lenders permit borrowers to make yearly overpayments, which can amount to up to 10% of their mortgage balance.

If your mortgage is based on a standard variable rate, you generally have unrestricted freedom to make unlimited overpayments at any time. This allows you to pay off your mortgage faster and potentially save on interest costs.

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Our Simple Mortgage Process

Speak to an Expert Mortgage Advisor in Telford

Step 1

When moving home in Telford, 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 Telford who specialises in mortgages for those looking to move home.

During this appointment, your mortgage advisor in Telford 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 Telford 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

1000s of Mortgage Deals

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We have access to 1000s of mortgage deals, and our advisors are experienced in helping people find the right one for them. Our mortgage advice service includes a free moving home mortgage review, during this review, we will help you calculate your monthly budget and the maximum you can borrow.

AIP Within 24 Hours

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Our fast and friendly service also includes a fast turnaround for a mortgage agreement in principle. We can sometimes get one arranged within 24 hours of your enquiry! We understand that each customer is different, and so we offer tailored advice to each individual.

We Are Here 7 Days a Week

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Our customer reviews demonstrate the quality of our mortgage advice service and customer service is at the heart of our company. If you are looking for mortgage advice in Telford, our advisors are available 7 days a week to provide you with the best advice possible.

Get in Touch Today

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Are you moving home to Telford? If so, we can help you get the right mortgage for your needs. As a mortgage broker in Telford, we are committed to providing our customers with tailored mortgage advice in Telford and service to help them secure their dream home.

We have helped many people move home in Telford and we want to help you too. Get in touch today to find out how we can make your move as stress-free as possible.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

We Search 1000s of Moving Home Mortgages in Telford

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Moving Home Scenarios in Telford

Reasons for moving home in Telford

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There are various reasons why someone might decide to move home in Telford and get a new mortgage deal, such as to up-size their home to accommodate an expanding family, to move for job or lifestyle opportunities, to be closer to family, to start fresh after a relationship breakdown, to settle in a new home upon retirement, or to Let out the property (Let to Buy).

Even if your situation is not listed above, don't hesitate to reach out to our team. We will be more than happy to take a look at your situation and see what we can do!

How much you can borrow and the costs involved

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No matter what your moving home mortgage scenario is, our experienced mortgage broker in Telford can help you achieve your goals. Our mortgage advisors in Telford can indicate the maximum amount you would be able to borrow, the interest rate that would apply, and the amount of your monthly payments. They can also search thousands of deals to find the most suitable option for your circumstances.

Your bank has declined your mortgage application in Telford

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If you have had your mortgage application declined by a Bank or Building Society, our broker team can still help. 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 Telford have a deep understanding of these products and their criteria.

Free Mortgage Guides & 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.

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