Moving Home Mortgages in Southampton

If you are looking for the next step in your homeowner journey but aren't sure where to start, a mortgage broker in Southampton may be able to help.

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Moving home in Southampton can be stressful, but it doesn't have to be that way!

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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We would always recommend obtaining an Agreement in Principle before you view any properties.

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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Moving Home Mortgages FAQs in Southampton

Can I move my current mortgage to a new house in Southampton?

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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.

What are the costs when moving home in Southampton?

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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.

What happens if you buy a house and want to move house in Southampton?

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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.

Can you pay a mortgage off early in Southampton?

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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.

8 Reasons to Choose Us For Mortgage Advice in Southampton

Moving home mortgage advice in Southampton, 7 days a week.

We work to fit your schedule. Book your mortgage appointment at a date and time that best suits your personal and working life.

Yes, it's a free appointment with a mortgage advisor in Southampton!

No upfront fees, no-nonsense; give our team in Southampton a call today.

You'll work alongside your dedicated moving home mortgage advisor and case manager in Southampton.

From start to finish, your case manager and mortgage advisor will be on hand to answer questions that you have along the way.

Customer service is at the heart of our company.

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.

Providing specialist insurance advice in Southampton.

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.

1000s of mortgage deals you can access.

As your mortgage broker in Southampton, we will try and find you the perfect product that matches your personal and financial situation.

Using all of our experience and knowledge to help you through your moving home journey in Southampton.

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!

As your mortgage broker in Southampton, we are here from start to finish.

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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We search 1000s of mortgage deals for people moving home in Southampton

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Registered Address: 10 Consort Court, Hull, HU9 1PU.

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