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.
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
