Moving Home Mortgage Advice in Sunderland
Whether you are currently living outside of the Sunderland area and are looking to relocate or are currently living in the area and looking to move within the city, our team of experienced mortgage advisors have provided expert mortgage advice in Sunderland to many customers, helping them to reach their home owning dreams.
Here are some frequently occuring home moving scenarios that we across when speaking to customers.
How Much You Can Borrow & The Costs
We find that a great deal of our customers contact us earlier in their mortgage process for mortgage advice in Sunderland. Usually, this is because those customers are looking to get a general estimation of how much they would be able to borrow, the interest rates at which this amount would be, and how much their monthly repayments could be.
Need an Agreement in Principle
Once you have taken part in our Free Mortgage Appointment, your dedicated mortgage advisor will then embark on a search of 1000s of mortgage products, working hard to try and find you the best deal. If you are happy to proceed with our recommendation, we can start looking at getting your mortgage agreed in principle.
With your mortgage agreement in principle (AIP) in your possession, you are then readily prepared to back up any potential offers that you would like to make on a particular property during your current mortgage journey in Sunderland.
Your Offer on a New Home Has Been Accepted
If you’ve had an offer already accepted on your new home in Sunderland, you’re now ready to head back and speak to your mortgage advisor, ahead of starting your full mortgage application process. We also have the ability to help with different types of property surveys and recommend a trusted conveyancing solicitor to you.
Having Trouble with the Bank
There are a lot of different reasons as to why your bank or building society may reject the mortgage application you make. This could be anything from not meeting their credit scoring criteria, or the lender simply not being willing to lend you the amount you require.
No matter what the reason may be for being declined, it will still be worth your time contacting an experienced mortgage broker in Sunderland like Sunderlandmoneyman, as we work with a vast array of mortgage lenders who can offer specialist or niche products, tailored to those who may struggle with a mortgage due to their credit history.
Once again, things like this will always come down to your individual circumstances and what is being shown on your current credit file. Our mortgage advisors in Sunderland have a large amount of knowledge and experience in working with these products and helping customers match up to their criteria.
The above list demonstrates the most common reasons our customers reach out to us for mortgage advice when they are ready to start moving home. If you do not fall into any of these categories, it is still worth taking the time to get in touch and speak to a member of our team. It’s likely we’ll have worked on a similar situation before and we’d love to help you.
Looking To Move Home in Sunderland? We may be able to help.
If you are looking at your options for moving home in Sunderland, then our team of hard working and dedicated mortgage advisors in Sunderland will be able to have a chat and provide any necessary guidance. They will work alongside you from your initial enquiry, all the way through to getting the keys to your dream home.
The team we have on hand here at Sunderlandmoneyman are very experienced with helping customers find their footing on the property ladder and we rarely find a situation that we haven’t encountered at any point in the past. We are well equipped to take on complex cases.
All of our customers will receive a free home movers’ review, with zero obligation to proceed. As a part of this review, we will take a look at what it is that you’re hoping to achieve and ensuring that this is an affordable route for you to take. In doing so, we’ll be taking a look at both your monthly payments and the maximum that you may be able to borrow.
Once we have run through some initial bits of information with you and made a note of your goals during your free home movers review, your trusted and dedicated mortgage advisor in Sunderland will take a step back and begin a search through 1000s of different mortgage products to find you the best deal for your circumstances.
Getting Your Mortgage Agreed in Principle
If you are happy to go ahead with our recommendation, we will then look to get you sorted with your mortgage agreement in principle, something that we are able to obtain for you within 24 hours of your initial appointment. This will help to back up any offers that you would like to make on a property.
Once you have found your new home in Sunderland and the seller of the property has accepted the offer you have made, our dedicated and trusted team will then process your full mortgage application, taking good care all the way through until it is completed.
In the eyes of our team, it’s not just about finding the best mortgage for you, we go beyond that. We’re also able to help with the various surveys available to you and can help you get any conveyancing solicitor quotes.
As well as recommending the most appropriate mortgage to you, your advisor will also recommend appropriate insurances to help cover your remaining mortgage payments in the event of something unfortunate happening.
Our team are ready to help you find success in your moving home dreams. We can’t wait to hear from you!