When you are looking at moving home in Norwich, we would always advise that you look at getting an Agreement in Principle as quickly as you can. Having this with you will be helpful in knowing the exact amount you will be able to borrow along with the cost of your monthly payments. As well as this, it will increase your chances of being successful at formal application.
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An Agreement in Principle will usually last around 90 days, however, it is quite simple for our team to get these refreshed if you don't find a property in time. In the case that you are locked into a fixed rate mortgage, our team get in contact with your current mortgage lender to look at 'porting' your current mortgage to your new home, avoiding any early repayment penalties. Having a trusted mortgage broker in Norwich can help with reducing any stress levels and give you the time to focus on the move itself.
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You will find that many mortgages are 'portable'. Because of this, you do have the choice to transfer your current mortgage to a new property in Norwich. By doing this, you will technically be reapplying for that deal. With this in mind, you may not qualify if your circumstances have changed so you will need to go through the credit checks again.
This is a point you will need to take into account more than you would as a first time buyer. You need to factor in costs that will cover estate agent fees, property survey fees, mortgage arrangement fees, solicitor's fees, removal fees and mortgage broker fees.
In this case, your legal representative will need to pay off your current mortgage in full with the process of the house sale. Then you have two options, you can begin a new mortgage in Norwich for a new property purchase or you can port it if the lender agrees to it.
Depending on if your lender allows you to, you do have the option to pay off your mortgage in Norwich in full whenever. You do need to keep in mind that this could come with early repayment charges. Many mortgage lenders will allow annual overpayments of 10% of your mortgage balance per year if you are in your introductory, discount or fixed mortgage period. For those who are on a standard variable rate, there may be the choice to pay more than this amount.
Moving home in Norwich can make your life hectic which is why we are available around the clock so you can get in touch at a time that works for you.
We provide all our customers with a free mortgage appointment that has no upfront fees. You pay us upon mortgage success in Norwich.
As part of our personal service, we provide you with dedicated experts including a mortgage advisor in Norwich to keep you up to date.
We understand that the moving home journey can be stressful. Our team will provide you with the support to obtain your first mortgage in Norwich.
We'll recommend appropriate insurance products, ensuring you can stay at home in Norwich, should you become seriously ill or unable to work.
As a mortgage broker in Norwich, we can find the cheapest deal for you, saving both your time and your money.
Our experience has allowed us to deal with a variety of cases, therefore, it's very likely that your dedicated mortgage advisor in Norwich has experienced this and knows the best solution.
When a customer contacts us for mortgage advice in Norwich, our team will help them overcome any mortgage hurdles like property survey and valuation problems.
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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.
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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
