Moving home in Surrey can be a daunting task, but it doesn’t have to be. With the help of a trusted mortgage advisor in Surrey, you can minimise the stress and simplify the process of moving home. We can take care of the mortgage side of the process, whilst you focus on finding and moving into your new home!
Before beginning your search for a new home in Surrey, it is recommended to obtain a mortgage agreement in principle. This will give you a clear understanding of your maximum borrowing capacity, estimated monthly mortgage payments, and provide confidence to both you and the seller when making an offer.
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Before you start your search for a new home in Surrey, it is important to secure a mortgage Agreement in Principle – we can arrange one within 24-hours of your free mortgage appointment. This document is valid for 30-90 days and can increase your chances of securing the home you want. In case it expires before you make an offer, our mortgage advisor in Surrey can help you renew it.
If you currently have a fixed rate mortgage and want to transfer it to your new property, we can contact your lender to explore the possibility of “porting” your existing deal to your new home without any early repayment penalties. Our team of mortgage advisors in Surrey can provide you with valuable support, allowing you to focus on finding your dream home and making a smooth transition. Apply now to start the process.
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As a mortgage broker in Surrey, we understand that one of the concerns when moving home is whether your mortgage can be transferred. The good news is that there are many ‘portable’ mortgages available, allowing you to transfer your current mortgage to your new property in Surrey.
However, it’s important to note that this essentially means reapplying for the same deal, and any changes in your circumstances may affect your eligibility and require additional credit checks.
When considering a move to Surrey, it’s important to be aware of the potential expenses involved, which may exceed those experienced as a first-time buyer. These can include various fees such as estate agency, solicitor, removal, property survey, mortgage arrangement, and mortgage advisor fees, all of which we can go through with you so that you can get an accurate figure to how much everything will cost.
As a mortgage advisor in Surrey, we understand that when moving home in Surrey, you will need to use the proceeds from selling your previous property to pay off your existing mortgage. Once this is settled, you can either apply for a new mortgage for your new home in Surrey or, with the permission of your mortgage lender, transfer your current mortgage to your new property.
When it comes to paying off your mortgage in Surrey, it’s important to consider any early repayment charges that may apply (usually known as ERCs). However, many lenders do offer the option to overpay up to 10% of your mortgage balance annually, as long as you are still in your introductory, discount, or fixed mortgage period. If you are currently on a standard variable rate (SVR), you may have the flexibility to overpay more. We recommend speaking to your mortgage lender to determine your overpayment options.
Our services are designed to cater to your busy schedule in Surrey, ensuring that we are available when you need us. As your trusted mortgage broker and advisor in Surrey, we understand the demands of moving home and strive to make the process stress-free as possible for you.
Our services come at no cost to you upfront, as we only charge when we successfully secure your mortgage in Surrey. You can book your free mortgage appointment online or by giving us a call.
Our team of dedicated mortgage experts in Surrey are committed to providing personalised and professional services to help you secure a mortgage when moving to Surrey.
Navigating the mortgage process in Surrey can feel overwhelming. Our team of experts will provide you with comprehensive guidance and assistance throughout the entire journey.
As a mortgage broker in Surrey, we offer tailored insurance solutions to protect your home in Surrey in case of illness or inability to work.
As a transparent and trustworthy mortgage advisor in Surrey, we specialise in finding the most suitable mortgage for those looking to move home in Surrey. We always aim to try and save you both time and money.
As a mortgage broker in Surrey, we have extensive experience handling a variety of situations for our clients. Our team understands the unique needs of home buyers in Surrey and can provide expert guidance and support.
Get expert mortgage advice in Surrey when moving home. We'll guide you through any potential obstacles, such as property surveys and appraisals, to secure the best mortgage deal for your new home.
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2000+ 5-Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
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...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
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...
1 month ago
Victoria
Jenna was very quick to sort out my mortgage, it was very straight forward and easy.
1 month ago
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!!
1 month ago
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...
1 month ago
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
2 months ago
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...
2 months ago
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...
2 months ago
Sarah
Fantastic service from Tom Bowes
3 months ago
Brooke
Excellent service, great communication & highly professional
3 months ago
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...
3 months ago
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...
4 months ago
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....
4 months ago
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.
4 months ago
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...
5 months ago
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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
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