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.
Get StartedGenerally 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.
Apply NowCan I move my current mortgage to a new house in Oxford?
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.
What are the costs when moving home in Oxford?
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.
What happens if you buy a house and want to move house in Oxford?
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.
Can you pay a mortgage off early in Oxford?
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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