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.
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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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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
