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Moving Home Mortgages in Surrey

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

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

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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Moving Home Mortgage FAQs in Surrey

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

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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.

What are the costs when moving home in Surrey?

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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.

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

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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.

Can you pay a mortgage off early in Surrey?

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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.

Reasons to Choose Us For Mortgage Advice in Surrey

Providing open and honest mortgage advice in Surrey 7 days a week until late.

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.

Book your free mortgage appointment to speak with a dedicated mortgage advisor in Surrey.

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.

Throughout the moving home process, you will have an expert mortgage advisor in Surrey.

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.

We're on your side, we work for you - providing open and honest mortgage advice in 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.

Helping you find the perfect insurance product to protect you and your family.

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.

We search 1000s of mortgage options in Surrey.

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.

Our mortgage advisors in Surrey have experience and knowledge with many different types of mortgages.

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.

As a mortgage broker in Surrey, we will be with you throughout your entire mortgage journey.

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

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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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