When dealing with a customer who is looking to move home, we strive in providing a service that takes the weight off the process. One thing we do strongly advise customers who are about to go through the moving home process is to get an Agreement in Principle as soon as possible. One of our expert mortgage advisors in Kent will aim to provide you with an Agreement in Principle within 24 hours after your free initial appointment, With an agreement in principle under your belt, you will not only know the maximum amount you can borrow but you will be in a good position when negotiating with your seller.
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Normally, an Agreement in Principle will last 90 days, but this does vary depending on the lender. Don't worry if your Agreement in Principle expires, it can be pretty simple for our team to get these renewed if you don't find a property within that time period. For those who are still locked into a fixed rate mortgage, a member of our team may be able to get in touch with your current mortgage lender to determine whether it's possible to 'port' your current deal to your next home, avoiding any early repayment penalties. With the support of a mortgage broker in Kent, we will work hard to take as much of the stress away from moving home so you can spend time working on the move itself.
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The majority of mortgages are 'portable'. Therefore, you may find that you can transfer your current mortgage to a new property in Kent. This option means that you will need to reapply for that deal. In some cases, your circumstances may have changed meaning you can no longer qualify and you will be required to run through credit card checks again.
When it comes to moving home in Kent, there will be a lot more costs involved than what a first time buyer would have. Some of these costs include estate agency fees, property survey fees, mortgage arrangement fees, solicitor fees, removal fees and mortgage broker in Kent fees. Through our experience providing mortgage advice in Kent, it's rare for us to encounter a situation we haven't come across in the past which means we will be able to provide the appropriate support to help you through the process.
Within the moving home process, your legal representative will need to pay off your outstanding mortgage in full with the help of the proceeds of the house sale. After that, you will need to begin a new mortgage for a new property purchase or your lender may give you the option to port it.
In some circumstances, you could pay off your mortgage in Kent in full whenever, however, you need to make sure your lender allows this and you know any early repayment charges that may come with it. If you are in your introductory, discount or fixed mortgage period, the majority of mortgage lenders will allow annual overpayments of 10% of your mortgage balance per year. Individuals who are on a standard variable rate may be able to pay that little bit more.
When it comes to the moving home process in Kent, it can take up a lot of your day-to-day life making it difficult to juggle between work and other commitments. This is why we are available at a time that is fitting for you!
With our free mortgage appointments, there will be no upfront fees payable. Upon mortgage success, we will ask for payments.
Whether it's one of our fantastic administrators or your dedicated mortgage advisor in Kent, you will always be updated with information that is helpful and jargon free!
We understand that the moving home process can be stressful, which is why our mortgage advisors in Kent will support you through each step of the process.
Not only will we recommend you the best mortgage, we will also discuss with you the most appropriate insurance products in the event that you become seriously ill or unable to work and keep up your repayments.
As a mortgage broker in Kent, our goal is to find you the most appropriate deal for your situation in the hopes of saving you time and money,
Our extensive experience has provided us with the opportunity to encounter a variety of situations. Therefore, it's rare that we find a new situation our mortgage advisor in Kent hasn't dealt with before.
Whatever mortgage hurdles you may encounter in the mortgage process, you will be assured in knowing that your dedicated mortgage advisor in Kent is there to help.
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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
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
1 month ago
John
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
1 month ago
Antonia
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
1 month ago
Babak
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
2 months ago
Alistair
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
2 months ago
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...
2 months ago
Sarah
Fantastic service from Tom Bowes
3 months ago
Brooke
Excellent service, great communication & highly professional
3 months ago
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 happily...
3 months ago
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...
4 months ago
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 professional manner....
4 months ago
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.
4 months ago
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 them with...
5 months 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
