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Moving Home Mortgage Advice in York

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Moving Home Mortgage Advice in York

Planning your next move in York? Let our expert mortgage advisors help you navigate the home-buying process with ease. Taking the stress away.

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We take the stress away from moving home in York

Over the years, moving home has been renowned for being one of the most stressful experiences 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 job is to take all of the stress away from the mortgage process to help you enjoy moving into your new home.

Remember that when it comes to moving home in York, you will not only have one, but two properties to make arrangements for. As a mortgage broker in York, we can help you find a mortgage for your new home whilst you focus on the actual moving home part!

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Moving Home Mortgage Advice in York

Mortgages for people who are moving home in York

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.

Can I port my mortgage to my new house in York?

In some cases, your mortgage lender may allow you to “port” your mortgage. Porting, is simply transferring your current mortgage over to your new property. The mortgage lender will review the value of your current mortgage and the new mortgage loan size to determine whether this is something that you are able to achieve or not.

If you are thinking of porting your mortgage when moving home in York, feel free to get in touch with our team and we can take a look at your options with you. In some cases, porting may not be a viable option and it may be cheaper and easier to pay off your mortgage using the sale of the property and take out a new mortgage on your new home.

Arrange your free appointment with a mortgage advisor in York to discuss your moving home mortgage options today.

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FAQs for Home Movers in York

What are the costs when moving home in York?

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When moving home in York, it’s crucial to consider various costs, including estate agent fees, conveyancing fees, potential stamp duty (if applicable), removal expenses, and potential mortgage arrangement fees. Additionally, you may benefit from the services of a mortgage broker in York to assist with your mortgage requirements.

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

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Should you decide that you want to move home after purchasing a property in York, there are various options available. You can opt to sell your current property, consider renting it out while acquiring a new one, or explore mortgage alternatives such as porting or remortgaging to facilitate a smooth transition.

Can you pay a mortgage off early in York?

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Certainly, you have the flexibility to pay off your mortgage in York before the end of your fixed term. Many mortgages allow for overpayments or early repayment of the entire loan amount. However, it’s crucial to examine your specific mortgage terms for any potential penalties or restrictions related to early repayment.

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Our Simple Mortgage Process

Free 30-Minute Home Movers Reviews

Step 1

During your free moving home mortgage review, your mortgage advisor in York will collect crucial details about your income and expenses to assess your maximum affordability.

We Can Search 1000s of Mortgage Deals

Step 2

One of our expert mortgage advisors in York will thoroughly search through a variety of mortgage products to identify the one that perfectly suits your needs.

Submit Your Mortgage Application

Step 3

Upon the acceptance of your offer, your dedicated mortgage advisor in York will take care of submitting your entire mortgage application along with all the necessary documentation to the lender.

Protecting You and Your Mortgage

Step 4

Our offerings go beyond securing the most fitting mortgage deal; we also offer relevant insurance suggestions to protect both you and your loved ones.

Reasons to Choose us

Free Mortgage Appointment

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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.

AIP Within 24-Hours

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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 finalising your full mortgage application.

Our Service

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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.

Malcolm and Amy Davidson - Mortgage Advice in York

We Search 1000s of Moving Home Mortgages in York

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

Common Moving Home Mortgage Scenarios

How Much You Can Borrow & The Costs

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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

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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

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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 in York.

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?

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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.

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Yorkmoneyman.com & Yorkmoneyman 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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