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.
Apply NowCan I move my current mortgage to a new house in Southampton?
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?
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?
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?
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.
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4.97 Rating246 Reviews
Hasan
excellent service
Anonymous
My initial interaction with Faye from UK money man has been really personable and I felt like she understood my needs very well. I’m hoping they can help deliver what I need and I didn’t feel any pressure to have to go further with my...
Rodrigo
UK Moneyman have been super helpful and reliable. Have always been able to count on them getting back to us quickly and made us feel comfortable checking anything out we were not really sure about. They made the whole process as easy and hassle free...
Steph
The team were fantastic, in finding the product for me. Jo also walked me through what to expect when purchasing your first home I.e. time frames, and answer my many questions. Also their after care has been great, checking in on how the purchase is...
Luke
Myself and partner used UK Moneyman for our first time buyer mortgage. We’ve had round the clock care well above the norm. Multiple routes forward regarding which mortgage to go for with lots of information to help prepare us through the...
David
I cannot thank the UK Moneyman service enough. Securing a mortgage meant more than just that to me, it was – is - a life chance. However, because of my credit history, I didn’t think that it could be done. Right from the start of the...
Nathaniell
Leo and Kayleigh have been great from the first phone call that I made to them. They have both helped us each step of the way and it has been a great comfort to my wife and me that everything had been taken care of by them both. We will definitely...
Mary
Ryan and Kayleigh were incredibly helpful and always available to answer our questions whenever we needed - and we had a lot of them as we are first time buyers who didn't have a clue about any of the process to begin with! They secured our...
Danielle
UK money man where so helpful. Chloe and Joe was amazing with us. Stayed in contact with us giving advice and updates, so glad we chose UK money man! Thanks for all your help.
Anonymous
Amazing, when ne and my partner first looked into buying a house, we had no idea about how to get a mortgage or anything. Moneymen were extremely helpful all the way through and sorted everything smoothly and efficiently! Very happy, will use again...
Rebecca
We’re so glad that we decided to use UKM to help us through the process of buying our first home, they took most of the stress off our shoulders and we’re always there to answer any queries. Would definitely recommend them to anyone...
Thorsten
I found Dinah at Harrogate Moneyman to be extremely supportive. She listened carefully to our needs, proposed solutions and followed up closely. A great service - I’d recommend Harrogate Moneyman to anyone looking for mortgage options.
Shadi
Absolutely fantastic from the start of the process. Everything was explained really clearly and I feel that the advice given to me throughout was done so with my best interests at heart. Would recommend to anyone looking into getting a mortgage.
Johanan
I used UK moneyman after using many other brokers. Tom Dent and Meghan Robinson fought for my case and was able to land me the mortgage offer I needed. In such a sellers market, having a great team around you makes such a difference. I will...
Axel
Mizna has been amazing and helped us to get a better mortgage protection for a cheaper price than what we previously had. Would definitely recommend!
Nadia
excellent as always and very efficient. used them for my first-time mortgage and also my remortgage now
Christopher
Excellent service from Mizna. Went the extra mile to get me the best deal. Will definitely use again.
Carlos
Mizna Coates helped me reviewing a critical illness protection plan I have. Her advice helped me to take an informed decision. I feel her advice was honest and thorough, keeping my best interest as a priority and not just trying to sell me a...
Heza
For me, UK Moneyman is very experienced, very professional, Great advisor, very friendly and respectful. They always get you prompt response. I was so comfortable with them during the whole process. I strongly recommend them. Special thanks to all...
William
MoneyMan have been nothing but helpful with my mortgage enquiries. Quick to respond and found me an excellent rate I wouldn't have found without them. Highly reccomend.
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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
