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Moving Home Mortgage Advice in York

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We Take the Stress Away From Moving Home!

Over the years, moving home has been renowned for being one of the most stressful experience you may ever face. The good news is that with a Mortgage Broker in York by your side, it doesn’t have to be. Our aim as a mortgage advice team is to take the stress away from the experience.

 

 

The moving home experience involves you being able to balance both processes of purchasing your new property while selling your current property. This can become stressful because these two processes need to be done simultaneously.

 

 

If you do decide to look for Mortgage Advice in York, you can get a conveyancing solicitor sorted out for you that will handle the paperwork and simultaneous completions.

 

 

If you are wanting to start your moving home journey in York, our dedicated team work hard to provide a service that ensures that your moving home journey goes as smooth as possible. We are available to you 7 days a week till in order to be there at any time for support and answer any questions you may have.

 

 

We take each customers situation as an isolated case which is why we search through 1000s of mortgage products in order to find you the best deal that is appropriate for your personal and financial circumstances.

 

 

All our customers who get in touch with us will be offered a free no-obligation mortgage appointment. We can’t wait to help you start your home moving journey in York.

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in York

If you are looking to York for a change of scenery or you currently live in York and are looking to move within the city , our dedicated team of mortgage advisors have experience in providing Mortgage Advice in York to a lot of customers in order to help them achieve their moving home goals.

 

Below, is just a few of the most popular scenarios we have encountered as a Mortgage Broker in York.

How Much You Can Borrow & The Costs 

Many of our customers usually like to get an idea of how much they would be able to borrow as well as the interest rates at which this amount would be.

 

Along with this, they might want an idea of how much their monthly repayment could be, which is our customers get in touch for Mortgage Advice in York in the early stages of the mortgage process.

Need an Agreement in Principle 

After you have attended our Free Mortgage Appointment, it’s then the job of your dedicated mortgage advisor to explore the best deal for your circumstances by searching through 1000s of mortgage products.

 

If you agree with the recommendation provided by your mortgage advisor, then the process of obtaining your mortgage agreement in principle can begin.

 

Having your mortgage agreement in principle (AIP) to hand, you are then ready to back up any offers that you would like to make on a property you are looking at when you are on the journey of achieving your mortgage dreams in York.

 

Your Offer on a New Home Has Been Accepted 

As soon as you have had an offer acceptance on your new home in York, you now can get back into contact with your mortgage advisor.

 

This is where your full mortgage application can begin and is where we can provide assistance in recommending a conveyancing solicitor as well as informing you on the type of property surveys.

Having Trouble with the Bank 

You might find yourself in a situation where you have had your mortgage application rejected by the bank or building society. This could be for many reasons such as not meeting the credit scoring criteria or the lender will not lend you an adequate amount.

 

Whatever the reason behind your rejected application, please don’t hesitate to get in contact with a Mortgage Broker in York like ourselves. Here at Yorkmoneyman, we work with a panel of lenders who offer specialist products that are tailored to these types of customers.

 

Remember, situations like this will come down to your particular circumstances and what your credit file is currently showing. Here at Yorkmoneyman, our team of knowledgeable mortgage advisors have a lot of experience dealing with these products and providing the support customers need to match up to their criteria.

 

The most common reasons that are discussed above is what we see commonly as a Mortgage Broker in York. Therefore, it is still worth getting in contact with us for mortgage advice if you are looking to move home.

Why choose Yorkmoneyman as your Moving Home Mortgage Broker?

Our trusted team of mortgage advisors in York are on hand to support you if you are looking at moving home in York and wanting to explore your options. From your initial enquiry to obtaining they keys to your new home, our mortgage advice team will be by your side to provide and answer any questions you may have.

 

Here at Yorkmoneyman, we have vast experience with providing the help and supporting customers need to get through the moving home journey. Because of our team’s experience over the years, we rarely find a situation that we haven’t dealt with before.

 

If you come to Yorkmoneyman seeking moving home mortgage advice in York, you will receive a free no-obligation home movers’ appointment.

 

This will involve getting an insight into what your mortgage goals are and us looking for the most appropriate solution going forward. To determine this, we will look into your monthly payments as well as the maximum you may be able to borrow.

 

After you have had a conversation with one of our trusted Mortgage Advisor in York about your home moving aims, we will then proceed.

 

Your dedicated and knowledgeable mortgage advisor in York will then begin by finding the best deal for your situation by searching through 1000’s of mortgage products.

Getting Your Mortgage Agreed in Principle

When you are satisfied with the recommendation provided to you, it’s then time to get your mortgage agreement in principle sorted. This is something our team can manage to get it within 24 hours of your initial consultation. Having this with you will help you back up any offers to make on a property.

 

As soon as you have found your new home in York and your offer has been accepted, our hard working team will then proceed in finalizing your full mortgage application.

 

At this point, we will responsible for everything that needs to be done in order to complete the application.

 

 

At Yorkmoneyman, we always go that step further when providing you the best service. As well as finding you the best mortgage for you, we also can provide information regarding various surveys that are available to you and help with getting any conveyancing solicitor quotes.

 

In addition to this, your dedicated advisor will also provide any recommendation and information on the insurance that may benefit you when covering your remaining mortgage payments in the case of an unexcepted event occurring.

 

We always work with the customer’s best interest at heart which is why we are not tied to with any estate agents, bank or builder. Our team are prepared to help reach your moving home goals. We look forward to hearing from you.

 

Contact us to book your free moving home mortgage appointment.

What our customers say

Common mortgage
questions

As your Mortgage Broker in York, we will start with a Fact Find. During this stage of the process, we will get a better view of your personal and financial situation which will help us when selecting a mortgage deal.

You will then have a credit check performed on you, this step is essential in order to obtain an Agreement in Principle. Once you’ve handed us all of the relevent documentation and a valutation of the property has been completed, a formal mortgage offer can be offered.

Your initial mortgage consultation will take around an hour, afterwards, we will try and arrange an Agreement in Principle for you within 24-hours of your consultation. The final step is submitting your application and waiting for a formal mortgage – this can take about three weeks.

As a Mortgage Broker in York, we always recommend trying to have an Agreement in Principle in place prior to viewing properties. An Agreement in Principle could put you in a position that would let you negotiate prices.

Your free initial mortgage consultation will approximately last an hour. During the consultation, we will ask you some questions and get a bigger picture of your personal and financial mortgage situation.

After the consultation, your dedicated Mortgage Advisor in York will begin searching for mortgage products, trying to secure you one that’s more competitive than your current rate. Once we find a product for you, it’s up to you whether you want to take the offer or not. If so, we can get the ball rolling and start the mortgage application submission process.

Yes, you can obtain a second mortgage in some cases. Whether it’s for home improvements, debt consolidation, for a Buy to Let or a holiday home, you should know that our Mortgage Advisors in York can help you with this.

When making a deposit on a property, High Street lenders will usually ask for a minimum of a 5% deposit. If you’ve had previous credit problems you may be asked to provide a higher deposit.

You may find it slighter harder to get accepted for a mortgage with previous credit problems, however, it’s not impossible! The difference is that you may be asked to put down a higher deposit than usual, perhaps 10-15% of the property purchase price.

If you manage to submit at least one year’s accounts, you are able to get a mortgage. As a Mortgage Broker in York, we see that a lot of lenders use your salary plus dividend to work out the maximum mortgage amount that you would be able to borrow. We’ve also seen some lenders go off your net profit.

Here are all of the documents that you’ll need to support your mortgage application in York

  • Photographic ID (Driving license, Passport, etc.).
  • Proof of Address (Utility bills, tax bills, credit card statements, etc.).
  • Latest 3 months’ payslips & Latest P60 (employed applicants)
  • Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
  • 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.

Once you obtain an Agreement in Principle, it should last around 30-90 days. This will depend on the lender that you’ve used.

If your Agreement in Principle expires, you can easily renew it by contacting your Mortgage Broker in York or your lender.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property in York!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Yorkmoneyman.com & Yorkmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Yorkmoneyman

Yorkmoneyman, York Hub, Popeshead Court Offices, Peter Lane, York, YO1 8SU.

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