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 Rating285 Reviews
Hannah
The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...
Sarah
Fantastic service from Tom Bowes
Brooke
Excellent service, great communication & highly professional
Khristopher
Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would...
Hilary
Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...
Nina
I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and...
Stuart
Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.
Danielle
I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding...
Clair
Informative, friendly, helpful and efficient service.
Katie
Really glad I went with UK Moneyman for my first mortgage, explained everything to me so well and was always on hand when I needed them as I work long hours at weekdays so having appointments on the weekends was so helpful for me, would definitely...
Natalie
Tom and Chloe were super helpful with our first time mortgage. We had a couple of properties fall through but Tom was there to help and guided us through the whole process.
paul
I think anyone would have difficulty finding a more helpful and friendly Financial Advisor. We used them to find a suitable later life mortgage and their effort and persistence in the face of some difficulties (caused by our particular...
Anonymous
Good advice and a professional hand both made the process seem effortless. Full marks for a service and result!!
Christopher
Wayne and Paula have been very helpful in helping me purchase my first house would highly recommend them to anyone wanting a mortgage advisor! Wayne was also very flexible with time as I have very odd working hours and worked out a time for phone...
Carol
Excellent service, Tom and Lynsey were responsive and extremely helpful including in resolving issues of transferring the offer to another property when the seller of the first property I was buying pulled out.
Marco
It's the 3rd time I've dealt with the team at UK Moneyman, as before they have been informative, punctual, detailed and a pleasure to deal with. I couldn't reccomend them more highly.
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
Read our 285 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
