We understand this which is why we we aim in taking as much of the stress away from the process. We recommend that anyone who is condiering moving home in Brighton, should look at obtaining an Agreement in Principle sooner rather than later. Your mortgage advisor in Brighton will aim to provide you an Agreement in Principle within 24 hours after you free initial mortgage appointment. Having an agreement in principle you'll then know the maxium amount you can borrow and help assist your bargaining posisition with the seller.
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An Agreement in Principle will last for around 90 days depending on the lender. If your Agreement in Principle expires it is quite easy for us to get these refreshed should you fail to find a property in that time frame. If you're still locked into a fixed rate mortgage, one of our members may be able to speak with your current mortgage lender to see if it's possible to “port” your current deal to your next home, without having to face any early repayment penalties. Having the help from a mortgage broker in Brighton, by your side we'll hopefully take the stress away from moving home, giving you more time to focus on the move itself.
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We tend to find, that a lot of mortgages are 'portable'. This means you may have the option of transferring your existing mortgage to a new property in Brighton. That said, you will be, having to reapply for that deal. Therefore, if your circumstances have changed at all, then you may no longer qualify and you will need to go through credit checks again.
You'll have to weigh in that there will be a lot of costs when moving home in Brighton, more so than a first time buyer would have. These can include and are not limited to; estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees, and mortgage broker in Brighton fees. In the past, customers do contact us for mortgage advice in Brighton, there is rarely a situation that they haven’t come across and our team will be more than happy to assist you to achieve your moving home goals.
During the moving home process, your legal representative will have to pay off your outstanding mortgage in full using the proceeds of the house sale. From there, you will either need to start a new mortgage for a new property purchase or if your lender will allow you to do so, port it.
You may have the option of paying off your mortgage in Brighton in full at any time, just make sure your lender allows it and you are made aware of any early repayment charges that may apply. The majority of mortgage lenders will allow annual overpayments of 10% of your mortgage balance per year, if you are still in your introductory, discount or fixed mortgage period. We tend to find, those of a standard variable rate you may have the option of paying that little bit more.
We understand the moving home process in Brighton is very time-consuming, especially trying to fit this all into your busy lifestyle, which is why we work around a time that suits you.
Our free mortgage appointments have no upfront fees payable. We only ask for payment upon mortgage success in Brighton!
From our mortgage administrator to our mortgage advisor in Brighton, you'll always know who you are dealing with and be kept in the loop at all times.
The moving home process can be a very stressful experience. Our team of mortgage advisors in Brighton will hold your hand throughout your mortgage process.
We'll recommend the most suitable insurance products, should you become seriously ill or unable to work and keep up with your repayments.
As a mortgage broker in Brighton, we can find the most suitable mortgage deal for you - saving you time and money.
There is rarely a new situation that we haven't faced in the past, your mortgage advisor in Brighton will try their best to overcome any hurdles we face along your mortgage journey.
From the first initial contact to completion, your mortgage advisors in Brighton will help you with any mortgage hurdles that you face along the way, such as property survey and valuation problems.
Our Customers Love Us
4.97 Rating269 Reviews
Suzanna
Excellent communication from start to finish. Highly recommend.
Rasheda
Very friendly and provided all the information I needed.
Pauline
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Paul
Excellent experience all around, used for two mortgages and will use again
Lee
Absolutely brilliant both Matt & Stacey. Really clear with us what our options were. Will use again when i need to find another mortgage.
Ryan
Chloe and Tom were very helpful and informative throughout and very knowledgeable we would recommend UK moneyman to any first time buyers
Michael
I can’t thank or recommend these guys enough. Highly professional, helpful and friendly from the outset - very knowledgeable and great customer service.
Edward
Great company to work with, very helpful and always prompt to answer any queries.
Michael
Great service! Quick and trustworthy!
Jennifer
Excellent service from both Leo and Meghan who we feel went above and beyond to help us get our first mortgage, even when faced with some very unforeseen changes! They made the whole process extremely easy and understandable. We have already...
Keyuri
Very helpful
Shaun
Excellent service from the team, were very informative throughout the process even when we had to swap the house we were purchasing resulting in a new mortgage application.
Ian
Excellent service from Wayne and Stacey. Wayne took time to explain everything and reran mortgage calc a number of times as my property search went on which was much appreciated. Stacey was also extremely helpful, informative and quick to respond to...
Liam
Incredibly helpful from start to finish, gave me all the information I needed and made the whole process much easier
Mark
Megan and Wayne have been great throughout. Both really easy to work with and on top of things at every step of the process. Thanks a lot.
Anonymous
Excellent service by Malcolm, Paula & Meghan. We completed our purchase last week in what was supposed to be a very difficult case due to my bad credit and limited trading history as a director of LTD company. UKmoneyman dug out a lender that...
Jasmine
Very good service received. Wayne is very knowledgeable and helpful especially with me been a first time buyer. Also very accommodating with timings and I was able to have chats later on a night to fit my schedule. Very supportive all the way...
Joseph
So far so good ! The first point of contact was lovely, made me feel at ease and very knowledgeable.
Callum
Absolutely fantastic service from the start, in helping getting a mortgage. Charlie always replied to my messages as quickly as possible and was very clear, thorough and calming through the whole process, cutting out a lot of worries had I not used...
Jonathan
Great help from the team, helped find exactly what we were after, and was an easy straight forward process. Being self employed it can be tricky however there were no problems with the help and advice we received.
Read our 269 Reviews
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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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
