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.
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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.
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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.
No upfront fees, no-nonsense; give our team in Southampton a call today.
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.
Our Customers Love Us
Rating Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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...
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
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...
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
John
UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!
Antonia
Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...
Babak
So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive
Alistair
We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...
Hannah
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...
Sarah
Fantastic service from Tom Bowes
Brooke
Excellent service, great communication & highly professional
Khristopher
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 happily...
Hilary
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...
Nina
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 professional manner....
Stuart
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.
Danielle
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 them with...
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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
