Moving Home Mortgage Advice in Sunderland

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We take the stress away from moving home in Sunderland.

It has been said over the years that moving home can potentially be one of the most stressful experiences you will face in your life. That being said, with a mortgage broker in Sunderland working alongside you, a large portion of that stress will hopefully be taken away, something we intend to achieve with all customers.

One of the main reasons for the process of moving home being considered so stressful, is that you will be purchasing and completing a sale at the same time.

Lucky for you at least,the paperwork and simultaneous completions will fall into the hands of your conveyancing solicitor. You will still have to secure the current ongoing purchase as well as finding a buyer for the property you’re selling, during that time.

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Moving Home Mortgage Advice in Sunderland

A fast & friendly mortgage service in Sunderland.

If you are looking to get started on moving home in Sunderland, our experienced team will do their best to ensure that every part of the process goes as quickly and as smoothly as possible. We will on hand from early until late, every day of your mortgage journey to support you and answer any questions that you may have.

We have the ability to search through 1000s of mortgage products in order to find the most ideal one for your current financial and personal standing. Please do not hesitate to contact us if you’re looking to move home and need expert mortgage advice in Sunderland.

We offer all customers who get in touch a free no-obligation mortgage appointment. We look forward to helping you start the next chapter in your home owning journey.

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FAQs for Moving Home in Sunderland

Can I move my current mortgage to a new property in Sunderland?

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Porting a mortgage is where you transfer your mortgage from your current property over to another property when you move home.

You will find that most mortgages are “portable”, however, it entirely depends on your mortgage lender as to whether or not you are able to do this.

When moving home in Sunderland, if you are looking to achieve this, please reach out to us and we will help you prepare these arrangements with your lender.

What are the costs when moving home in Sunderland?

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There are many different costs that come with moving home, mostly because you are buying and selling one at the same time. Home buyers often end up spending double their money for added solicitor and estate agent fees.

When moving home in Sunderland and taking out a new mortgage, you must consider mortgage arrangement fees, property survey fees, removal fees and broker fees from a mortgage broker in Sunderland.

What happens if I buy a property and want to move home in Sunderland?

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When moving home in Sunderland, the sale of your current house will be used to fully repay your existing mortgage balance.

If you are not porting your mortgage and are planning on taking out a new product on your new home, you will need to put down another mortgage deposit.

Can you pay a mortgage off early in Sunderland?

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Some mortgage lenders may allow you to pay off your mortgage early, however, if you choose to do so, you may be subject to early repayment charges (ERCs).

Some mortgage lenders may cap how much you are able to overpay by. Most of the time your overpayments will be capped at around 10% of your remaining balance.

If you are on a standard variable rate you should be able to overpay as much as you want.

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Our Simple Mortgage Process

Free 30-Minute Mortgage Appointment

During your free mortgage appointment, your mortgage advisor in Sunderland will ask for information regarding your personal and financial situation.

They will also take a look at your income, monthly expenditures, credit score and overall affordability. This will help them work out what sort of mortgage products you may be able to access.

We Can Search 1000s of Mortgage Deals

Your mortgage advisor in Sunderland can now begin searching through 1000s of mortgage product based on the information you provided in your appointment.

You will also receive an agreement in principle (AIP) to help you make any offers on a property. We will arrange one within 24-hours of your free mortgage appointment.

Submit Your Mortgage Application

If you are happy with the mortgage product that we have recommended, we can progress to the mortgage application stage. You will need to gather evidential documents to support your income, affordability, credit score and affordability.

As a mortgage broker in Sunderland, we will aways make sure that you are in the loop by keeping you up to date with the progress of your application. We will make sure that you have the correct documents in place so that you are able to evidence your affordability correctly.

Protecting You and Your Mortgage

Once you have submitted your application, it is now time to wait for your approval. If you are approved, the next step is to finalise everything with your seller and get ready to move into your new home!

Our service doesn’t stop here though; our team wants to make sure that you and your family are protected, so we will also recommend insurance products to take out alongside your mortgage. You are under no obligation to take out insurance following your mortgage approval.

Reasons to Choose Us

Free Mortgage Appointment

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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.

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.

1000s of Deals

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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.

Our Service

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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.

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.

7 Days a Week

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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!

Malcolm and Amy Davidson - Mortgage Advice in Sunderland

We Search 1000s of Moving Home Mortgages in Sunderland

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Virgin Money & Mortgages
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Common Moving Home Mortgage Scenarios

Moving Home Mortgage Advice in Sunderland

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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 in Sunderland who provided expert mortgage advice in Sunderland to many customers, helping them to reach their home owning dreams.

How Much You Can Borrow & The Costs

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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

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Once you have taken part in our free mortgage appointment, your dedicated mortgage advisor in Sunderland 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

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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

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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 mortgage advisor in Sunderland. It’s likely we’ll have worked on a similar situation before and we’d love to help you.

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Sunderlandmoneyman.com & Sunderlandmoneyman 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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