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Moving Home Mortgages in Canterbury

A trusted mortgage broker in Canterbury may be able to help if you are looking at moving home in Canterbury and are not sure where to start.

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Moving home in Canterbury can be a stressful experience, but it doesn't have to be!

Whilst it is widely believed that moving home in Canterbury may potentially be one of, if not the most stressful experience you'll ever go through, this doesn't always have to be the case. With a mortgage broker in Canterbury by your side, you'll benefit from reduced stress levels and a much easier process.

If you are currently looking at moving home in Canterbury, it is always recommended that you obtain a mortgage agreement in principle ahead of looking to make any offers on other properties.

Having this to hand will show you the maximum amount that you are able to borrow for a mortgage on your new home, roughly what your monthly mortgage payments may be, and gives you and the seller the confidence that you are able to proceed once it comes to making an offer.

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Always look to obtain a mortgage Agreement in Principle prior to viewing any properties in Canterbury.

Typically speaking, if you have obtained an agreement in principle, that document will last somewhere within the realm of 30-90 days. If this runs out before you make any offers, get in touch with your mortgage advisor in Canterbury and they'll be able to get this refreshed for you.

If you find that you are currently fixed in on a fixed rate mortgage, we are able to contact your current mortgage lender on your behalf, to see if you would have the option to potentially "port" your existing mortgage deal to your new home, without any type of early repayment penalties being applied.

By taking on the assistance of a mortgage broker in Canterbury, you'll hopefully be much less stressed, with less to worry about whilst you focus on finding your new home and sorting out the home move.

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Moving Home Mortgages in Canterbury FAQs

Can I move my current mortgage to a new house in Canterbury?

To answer this in short, the standard answer is yes, there are a lot of mortgages that are 'portable'. This means you may potentially be able to transfer your existing mortgage onto a new property that you move to.

If we look at it on a technical level though, you will be basically reapplying for that deal. In this case, if any of your circumstances have changed during that time, then you may no longer qualify for it and you will need to undergo further credit checks.

What are the costs when moving home in Canterbury?

You'll have to be wary that there will likely be quite a lot of costs involved in moving home in Canterbury, more so than you may have faced when you were a first-time buyer in Canterbury.

These can include, but are not limited to; estate agency fees, solicitor’s fees, removal fees, property survey fees, mortgage arrangement fees and mortgage broker in Canterbury fees.

What happens if you buy a house and want to move house in Canterbury?

When you decide to move home, your legal representative will have to use the proceeds of the sale of your now old home, in order to pay off the full remaining mortgage balance.

From there, you will either need to apply for a new mortgage on your new home in Canterbury. Alternatively, if your mortgage lender will allow it, you may not need to pay off your old mortgage, instead porting it with you to the new property.

Can you pay a mortgage off early in Canterbury?

Depending on what your mortgage lender says and the application of any potential early repayment charges, you may have the option of paying off parts of your current mortgage in Canterbury at any point in time.

The vast amount of mortgage lenders will only allow you to overpay an annual limit of 10% of your mortgage balance on a yearly basis, if you are still currently in your introductory, discount or your fixed mortgage period.

If you happen to be on a standard variable rate at the moment you may have the option of paying more than this amount. Speak to your mortgage lender to see how much you are able to overpay.

8 Reasons to Choose Us For Mortgage Advice in Canterbury

Open 7 days a week until late to provide customers with expert mortgage advice in Canterbury.

We offer a flexible service, working around your busy work and family life in Canterbury. We're always here when you need us.

Mortgage appointment with a trusted mortgage advisor in Canterbury at free to you.

Absolutely no fees upfront, we are only paid upon results, when you obtain your mortgage in Canterbury!

You'll benefit from having your own dedicated case manager in Canterbury.

From our hard working mortgage administrators, to our professional mortgage advisors in Canterbury, you'll always know who you are working with.

We work for you, ensuring you receive a top level mortgage advice service in Canterbury.

Getting a mortgage in Canterbury can be a rather daunting prospect. We’ll guide and support you every step of the way.

Providing jargon-free insurance advice in Canterbury & surrounding areas.

We'll recommend to you any appropriate insurance products, allowing you to remain at home in Canterbury, in the event you become seriously ill or unable to work.

1000s of potential mortgage products in Canterbury.

As an open & honest mortgage broker in Canterbury, we can search for the best deal for you, saving your time and your money.

We're experienced and knowledgeable with a variety of mortgages in Canterbury.

There likely aren't many situations we haven't come across in the past, your mortgage advisor in Canterbury will understand your needs as a home buyer.