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Moving Home Mortgage Advice in Essex

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Moving Home Mortgage Advice in Essex

Planning your next move in Essex? 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 Essex.

Many people say moving home is next to the most stressful experiences in life. Which is why with the help of a mortgage broker in Essex by your side, let us deal with the mortgage aspects to remove as much of the stress away as possible, leaving you to focus more on the move itself.



The main reason why moving home can be stressful is that you have both a purchase and sale to complete at the same time. Despite the paperwork and completions are left with your conveyancing solicitor. You will still have to secure your onward purchase as well as a buyer for your existing property within a time frame.

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Moving Home Mortgage Advice in Essex

Mortgages for people who are moving home in Essex.

If you are looking to move home in Essex and want to know your options, our experienced team will be more than happy to help ensure that your home buying process goes as smoothly as possible. We will support you throughout the entire process, answering any related questions that you may have along your journey.



One of the benefits of a Mortgage Broker in Essex is we can search through 1000’s of mortgage products to find you the most suitable deal for your circumstances. If you are looking to move home in Essex, then please don’t hesitate to book yourself in for a free mortgage appointment to speak with one of our Mortgages for people who are mortgage advisors in Essex today. Our team are ready to hear from you to start your moving home journey.

What are the costs when moving home in Essex?

When moving home in Essex, there are several costs that you should take into consideration. These costs may include expenses such as estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees, and fees charged by a mortgage broker in Essex.

To find out the true costs of moving home in Essex, make sure to get in touch with our mortgage experts. We can also take a look at whether there is an option for you to port your mortgage to a new property is this is something you want to look at. Again, there could still be costs to consider with this option.

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Moving Home FAQ's in Essex

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

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In Essex, many mortgages are designed to be “portable,” which allows homeowners to transfer their existing mortgage to a new property if certain conditions are met.



However, if you need to go through the process of reapplying for this transaction and your financial situation has changed since you first obtained the mortgage, you may no longer meet the eligibility requirements, and you may need to undergo a new credit assessment.

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

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As part of the moving process, your legal representative will typically use the funds obtained from the sale of your current house to fully repay your existing mortgage. If your lender permits this, you will then either need to arrange for a new mortgage if you are purchasing a new property, or transfer your existing mortgage to the new property, also known as “porting” your mortgage.

Can you pay a mortgage off early in Essex?

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If you have a mortgage in Essex, you have the option to pay off the full amount at any time, subject to any applicable early repayment fees that may apply. In addition, many mortgage lenders will allow you to make annual overpayments of up to 10% of your mortgage balance per year, provided you remain within your introductory, fixed, or discount period.



However, if you are on a standard variable rate, you typically have more flexibility to overpay as much as you wish.

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Our Simple Mortgage Process

Free 30-Minute Home Movers Reviews

Step 1

By consulting with a professional mortgage advisor in Essex, you can receive personalised guidance based on your specific circumstances and goals.

During a no-cost consultation, your advisor will ask you questions about your financial situation and objectives, and will analyse information on your income and expenses to determine your maximum affordability when it comes to obtaining a mortgage.

We Can Search 1000s of Mortgage Deals

Step 2

When you work with a mortgage advisor in Essex, they will conduct a thorough search of thousands of available mortgage products to find the one that is most well-suited to your unique financial circumstances and requirements.

Once they have identified the best mortgage option for you, they can help you obtain a mortgage agreement in principle, which can be a valuable tool when making offers on properties.

Submit Your Mortgage Application

Step 3

After your offer on a property has been accepted, your mortgage advisor in Essex will submit a complete mortgage application and all supporting documentation to the relevant lender on your behalf.

Throughout this process, a dedicated case manager will be assigned to you and will keep you informed and up-to-date at every step until you receive your formal mortgage offer and finalize your purchase and sale.

Protecting You and Your Mortgage

Step 4

Our commitment to serving you extends beyond simply securing the most appropriate mortgage deal.

In addition to helping you find the right mortgage product, we can also provide recommendations for relevant insurance products to help safeguard you and your loved ones.

Moreover, when it's time for your mortgage to be renewed, our team will proactively contact you to ensure that you are always getting the best possible deal.

Reasons to Choose us

Free Mortgage Appointment

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At your no-cost mortgage consultation, we'll discuss your goals and assess any challenges that may arise.

Our knowledgeable mortgage advisor in Essex will evaluate potential expenses and estimate how much you could borrow, along with projecting your monthly payments.

We're committed to assisting clients in advancing their homeownership journey. Contact us to learn how we can support you in taking the next step!

1000s of Deals

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After determining your goals, your mortgage advisor in Essex will sift through thousands of distinct options to identify the ideal one for your unique circumstances.

If you decide to move forward with our suggestion, we'll strive to secure your Agreement in Principle within 24 hours or even the same day, if feasible.

With extensive expertise in delivering top-notch mortgage guidance in Essex, our team has supported numerous customers in realising their property ownership aspirations.

It's highly unlikely that we haven't encountered a situation like yours before. We'll employ our knowledge to provide you with the most beneficial advice possible, based on your objectives.

Our Service

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Once you've located a property and received an accepted offer, the final stages of the home-buying process commence. Your advisor in Essex will guide you every step of the way, even after completion. Our services extend beyond finding the ideal mortgage deal. We can suggest property surveys and assist you in securing conveyancing solicitors.

As a committed mortgage broker in Essex, we take it upon ourselves to offer recommendations for various insurances once your mortgage is finalised. Although these options are never mandatory, we care about our clients and consider it our duty to inform you about all the ways you can safeguard yourself, your loved ones, and your mortgage payments.

7 days a Week

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If you're exploring possibilities for relocating within Essex, our dependable team of diligent and experienced mortgage advisors in Essex can examine the potential routes available to you.

Your mortgage advisor in Essex will be available to you seven days a week, from the beginning of the process through completion and beyond. You have their unwavering backing and guidance. They will endeavor to respond to all of your mortgage inquiries at any point in the process.

Malcolm and Amy Davidson - Mortgage Advice in Essex

We Search 1000s of Moving Home Mortgages in Essex

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

Are you looking to relocate in Essex?

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If you are looking to relocate to Essex or looking to move within the surrounding area, our team of experienced Mortgage Advisors in Essex have helped many customers in the past achieve their moving home journey.

How much can I borrow & what are the costs of buying a home in Essex?

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Previous customers contacted us early in the process for mortgage advice in Essex. Usually, these customers were looking for an indication of the maximum amount they can borrow, at what interest rates, and what their monthly repayments would be.

Need an agreement in principle to make an offer?

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During your Free Mortgage Consultation, your Mortgage Advisor in Essex will then search 1000’s of mortgage products to find you the most suitable deal for your financial and current circumstances.

If you are happy with our recommendation, and are ready to proceed we can get you an agreement in principle. Armed with your mortgage agreement in principle (AIP), you are ready to put down any offers that you would like to put forward on your ongoing property purchase in Essex.

Your offer on a new home in Essex has been accepted

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If you have had your offer accepted on your new home in Essex, it is now back to your mortgage advisor in Essex to start your full mortgage application process. We can also help with the types of property surveys and recommend a good conveyancing solicitor.

Having trouble with the bank in Essex

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There’s always a reason as to why your Bank or Building Society may decline your mortgage application. Maybe you didn’t meet the credit scoring criteria, or they simply will not lend you enough.

Whatever the reason for your application being declined, it is still worth contacting a mortgage broker in Essex like ourselves, to explore your options.

We work with a range of specialist lenders who offer tailored products to clients that may have had credit issues in the past. Again, this will always come down to your individual circumstances and your credit file. Our mortgage advisors in Essex are very knowledgeable of these products and their criteria.

Above are the most popular scenarios as to why our customers reach out to us for mortgage advice in Essex when looking to move home. Worry not, if you do not fall into any of these categories, then please don’t hesitate to contact us.

There is rarely a situation that we haven’t come across, and our team will be happy to assist you. Book your free mortgage appointment today to speak with one of our qualified Mortgage Advisors in Essex today.

How can a mortgage broker in Essex help?

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If you are looking to move home and want to know your options, then our team of experienced Mortgage Advisors in Essex will be able to help look at your financial and current circumstances. Working with you from your initial enquiry right through to receiving the keys to your new home.

Here at Essexmoneyman, every is very experienced with helping customers take that next step on the property ladder and there is rarely a situation that they haven’t come across.

All customers will receive a free no-obligation home mover’s review. As part of this review, your Mortgage Advisors in Essex will look at what you are trying to achieve and make sure that this fits within your affordability. Looking at both your monthly payments and the maximum you can borrow.

After having taken some initial details and what you are looking to achieve during your free home movers review. Your Mortgage Advisor in Essex will then go away and search through 1000’s of deals to find you the most suitable deal.

If you are happy with our recommendation, we will then look to obtain your mortgage agreement in principle. This will back up any offers that you would like to make.

Then when you have found your new home in Essex and have had your offer accepted. The team will then process your full mortgage application, taking care of everything right through until completion.

It’s not just about finding you the best mortgage; we will be able to help with the various surveys available to you and help obtain conveyancing solicitor quotes. Further to your mortgage recommendation, your Mortgage Advisors in Essex will also recommend appropriate insurances to help cover your mortgage in any unforeseen circumstances.

Our team are ready to help you achieve your moving home goal, we look forward to hearing from you.

Mortgage Guides

Essexmoneyman.com & Essexmoneyman 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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