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Moving home in Exeter involves assessing affordability, securing an agreement in principle and deciding whether to port your existing mortgage or apply for a new one.
Since not all mortgages are portable, working with a mortgage broker in Exeter ensures you explore all options and make the best choice for your next move.
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When planning to move home in Exeter, it’s essential to account for all costs, including removals, legal fees and potential stamp duty.
You should also consider whether to stay with your current lender or switch to a better mortgage deal, factoring in the potential challenges of property chains.
Getting mortgage advice in Exeter can be invaluable, an expert can help you navigate these complexities while ensuring you secure a product that aligns with your new financial situation.
When moving home, the deposit amount often depends on the equity in your current property and the price of the new home.
Typically, you’ll need at least 5-10% of the property value.
A mortgage broker in Exeter like us can assess your situation and help you understand how much deposit is required based on your unique circumstances.
Most mortgages allow porting, meaning you can transfer your existing mortgage to your new property.
This can be a cost-effective option if you’re tied into a fixed-term deal.
Speaking to a mortgage advisor in Exeter can help you determine whether you’re able to port your mortgage and whether porting is the best option or if switching to a new deal is more beneficial.
Moving home can come with additional costs, such as estate agent fees, conveyancing, removals and potentially stamp duty.
By working with an experienced mortgage broker in Exeter, you can plan for these expenses and ensure you stay within your budget.
Yes, it’s possible to move home with bad credit, though your mortgage options may be more limited.
Specialist lenders often cater to individuals with adverse credit histories.
A mortgage advisor in Exeter can help you navigate the process and find the most suitable lender for your situation.
A mortgage in principle (AIP) gives you an estimate of how much you can borrow, helping you confidently make offers on properties.
As your mortgage broker in Exeter, we can quickly arrange an AIP for you, typically within 24 hours, ensuring you’re ready to act when you find the right home.
When moving home in Exeter, you can either port your current mortgage (if you’re able to) or pay it off and take out a new one.
The choice depends on factors like your current mortgage terms and the new property’s price.
Getting tailored moving home mortgage advice in Exeter can help you make the right decision.
If you’re upsizing or need funds for additional costs, you may be able to borrow more money when moving home in Exeter.
A mortgage advisor in Exeter will assess your affordability and help you explore deals that align with your financial goals.
Securing a mortgage when moving home in Exeter may take around 4-8 weeks, but this can vary depending on factors like property valuations and legal processes.
If you’re part of a property chain, the timeline may be extended, as each party in the chain must complete their transactions before yours can proceed.
Working with a mortgage broker in Exeter ensures you stay informed about delays and have the support needed to navigate any complications within the chain.
We’re available 7 days a week, ready to assist with all your moving home mortgage needs.
Book a free mortgage appointment and let us guide you through the moving process with ease.
With over 20 years of experience, we know how to find the best mortgage deals for home movers.
We provide clear and honest advice, ensuring your move is as stress-free as possible.
Our dedicated case managers are here to keep you informed every step of the way during your move.
We compare thousands of mortgage products to find the right option for your move.
Our commitment to excellent customer care has earned us consistent 5-star reviews from happy movers.
We’re with you from start to finish, making your moving home journey smooth and straightforward.
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2000+ 5-Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
If your current mortgage is portable, you may be able to transfer it to your new property.
This can help you avoid early repayment charges.
Our mortgage advisors in Exeter can assess if this is the best option for your situation or if switching to a new deal could save you money.
When moving home in Exeter, it’s important to factor in costs such as estate agent fees, legal fees and removals.
These can add up quickly and impact your overall budget.
Seeking tailored mortgage advice in Exeter ensures you’re financially prepared for the transition.
If you’re part of a property chain, delays in buying or selling can sometimes slow down the moving home process.
Being mortgage-ready with an agreement in principle helps minimise stress and keeps you in a strong position to move forward when the time is right.
Don’t worry, working with a mortgage broker in Exeter ensures you’re well-prepared to handle any challenges that arise.
If you’re upsizing, you may need to borrow more to cover the cost of your new property.
Lenders will reassess your affordability, so having up-to-date financial information is key.
Expert mortgage advice in Exeter can help you explore deals that suit your needs.
When moving home in Exeter, selecting the right type of mortgage is vital for your financial stability.
Fixed-rate mortgages provide predictable monthly payments, which can help with budgeting, particularly during the transition.
Variable-rate mortgages may offer lower initial rates but can fluctuate based on market conditions.
Flexible mortgages, on the other hand, can sometimes allow overpayments or even payment holidays, which can be useful if you’re balancing other moving expenses.
A mortgage broker in Exeter like us can help you weigh these options and choose the best product for your circumstances.
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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
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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