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 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
