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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
If you are considering moving home in Oxford, we would always recommend that you look at obtaining an Agreement in Principle as soon as you possibly can.
This allows you to figure out exactly how much you will be able to borrow & how much your payments are likely to be. It also means that you’ll have a better chance of being successful at formal application.
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Generally speaking, an Agreement in Principle will last for around 90 days but it is quite easy for us to get these refreshed if you don’t find a property in that time.
If you are locked into a fixed rate mortgage, we can get in touch with your current mortgage lender to see if they will “port” your current deal to your next home, without triggering any kind of early repayment penalties.
By enlisting the help of a mortgage broker in Oxford, you’ll hopefully have reduced stress levels, allowing you to focus on the move itself.
The short answer to this question is yes, a lot of mortgages are ‘portable’. This means you may have the option of transferring your existing mortgage to a new property in Oxford.
On a technicality though, you will be, in essence, reapplying for that deal. In this case, if your circumstances have changed at all, then you may no longer qualify and you will need to undergo credit checks again.
You’ll have to bear in mind that there will be a lot of costs when moving home in Oxford, more so than a first-time buyer would have.
These can include; estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees and mortgage broker in Oxford fees.
When you move, your legal representative will have to pay off your existing mortgage in full using the proceeds of the house sale.
From there, you will either need to start a new mortgage in Oxford for a new property purchase or if your lender will allow you to do so, port it.
You may have the option of paying off your mortgage in Oxford in full at any time, so long as your lender allows for it and you’re wary of any early repayment charges that may apply.
The majority of mortgage lenders will allow annual overpayments of 10% of your mortgage balance per year, if you are still in your introductory, discount or fixed mortgage period.
If you are on a standard variable rate you may have the option of paying more than this amount.
We're flexible around your busy work and family life in Oxford, we'll be there when you need us.
No upfront fees payable, you only need to pay us upon mortgage success in Oxford!
Whether it's a mortgage administrator or a mortgage advisor in Oxford, you'll always know who you are dealing with.
Getting your first mortgage in Oxford can be a intimidating experience. We’ll hold your hand all throughout your mortgage process.
We'll recommend appropriate insurance products, ensuring you can stay at home in Oxford, should you become seriously ill or unable to work.
As a mortgage broker in Oxford, we can find the cheapest deal for you, saving both your time and your money.
There isn't a situation we haven't come across before, your mortgage advisor in Oxford will fully understand your needs.
When you get in touch for mortgage advice in Oxford, we'll help you with any mortgage hurdles that you face along the way, such as 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: 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
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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