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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.
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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
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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
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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
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7 Days a Week, 8am – 10pm