Even if you have owned your home for some time, the prospect of buying and selling can often seem very daunting. Maybe this is the first time you have moved or perhaps it was so long ago now that you have forgotten the process.
If you are in a fixed-rate mortgage with your current lender we can look to see if it is portable (this means transferring the rate and outstanding amount to a new property), subject to the lender’s criteria, credit checks and income.
Porting a mortgage may save you a penalty and we can check to make sure if this is the best route for you, as if you port your mortgage any top-up must be with the same lender.
If you cannot, or do not want to port your mortgage, we can look at other lenders for you and help to find one that is suitable for you and your personal situation.
We can also look at the cost of moving, along with the fees involved, such as stamp duty, legal fees etc., as well as working out what you might expect to receive from the sale of your home, some of which can then become the deposit on your new home.
Even if you have owned your home for some time, the prospect of buying and selling can often seem very daunting. Maybe this is the first time you have moved or perhaps it was so long ago now that you have forgotten the process.
If you are in a fixed-rate mortgage with your current lender we can look to see if it is portable (this means transferring the rate and outstanding amount to a new property), subject to the lender’s criteria, credit checks and income.
Porting a mortgage may save you a penalty and we can check to make sure if this is the best route for you, as if you port your mortgage any top-up must be with the same lender.
If you cannot, or do not want to port your mortgage, we can look at other lenders for you and help to find one that is suitable for you and your personal situation.
We can also look at the cost of moving, along with the fees involved, such as stamp duty, legal fees etc., as well as working out what you might expect to receive from the sale of your home, some of which can then become the deposit on your new home.