When you are planning on moving home in Southampton, we would strongly recommend that you obtain an agreement in principle prior to viewing houses. This is something that we can arrange for you, and more often than not, we are able to do this within 24-hours of your mortgage appointment. As your mortgage broker in Southampton, we will be able to work out how much you will be able to borrow, and your approximate monthly payments and recommend a suitable mortgage product. Balancing buying and selling a home is a very stressful process, getting mortgage advice in Southampton and speaking with an expert could take some of the stress off your shoulders.Get Started
Once we have helped you obtain an AIP, it will last for around 90 days. If you have not made an offer on a property within this timeframe, you can easily refresh it so that it lasts for another 90 days. If you are currently on a fixed rate mortgage, we can contact your current mortgage lender to see whether it is possible to “port” your current deal across to your new home. We will try and arrange this without triggering any kind of early repayment penalties. With a mortgage broker in Southampton on your side, you'll be able to get through the moving home process with ease and stress-free. We aim to deliver a fast and friendly process at all times.Apply Now
In some cases, this may be possible as most mortgages are 'portable'. This means that you have the option to move your existing mortgage to your new home in Southampton. In reality, you are essentially reapplying for the same product. If your circumstances have altered or your credit score has dipped massively, you may unfortunately not meet the criteria and have to opt for another product.
As opposed to a first time buyer in Southampton, you will have to consider the fees that come with selling a property. Your mortgage advisor in Southampton will make you aware of these costs and fees whilst helping you prepare your application. Some of these fees include; estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees and mortgage broker fees.
When you move house, your legal representative pays off your current mortgage in full using the proceeds of the house sale. From this point, you will either need to try and port your mortgage across to the new property or look for a new one to take out. Moreover, you will have to pass credit checks, affordability assessments, etc.
In some cases, you may be able to pay off your early. You will have to discuss this with your lender though, and there may also be an early payment charge (ERC) to do so. We find that most lenders allow overpayments of 10% per annum if you are still in your introductory period, discount or fixed mortgage period. This will be outlined in your mortgage illustration at the point of taking out the product. If you are on a standard variable rate you may get the choice to pay more than this amount.
We work to fit your schedule. Book your mortgage appointment at a date and time that best suits your personal and working life.
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From start to finish, your case manager and mortgage advisor will be on hand to answer questions that you have along the way.
We love the fact that we are able to help so many applicants achieve their home buying dreams. Take a look at our reviews to find out how others have valued their experience with us.
So that you and your family are covered, your mortgage advisor in Southampton will make sure that you have the correct insurance and protection in place.
As your mortgage broker in Southampton, we will try and find you the perfect product that matches your personal and financial situation.
It's rare to find a situation that we haven't come across. Don't hesitate to get in touch, our mortgage team in Southampton are here to help!
We may encounter some hurdles along the way, but we love a good challenge! We will try our best to get you through the moving home process in Southampton, no matter what situation you are in.
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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...
Fantastic service from Tom Bowes
Excellent service, great communication & highly professional
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...
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...
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...
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.
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...
Informative, friendly, helpful and efficient service.
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...
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.
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...
Good advice and a professional hand both made the process seem effortless. Full marks for a service and result!!
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...
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.
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.
Excellent communication from start to finish. Highly recommend.
Very friendly and provided all the information I needed.
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Excellent experience all around, used for two mortgages and will use again