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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.
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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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
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