If you are thinking about moving home we always suggest obtaining an Agreement in Principle as early in the process as possible. This is so you know exactly how much you can borrow, how much your payments are likely to be and that when you come to formally apply you have a good chance of being successful.Get Started
An Agreement in Principle only lasts for up to 90 days but it is quite easy for us to get these refreshed for you. If you are locked into a fixed rate mortgage we can contact your existing lender for you to see if they will “port” your current deal to your next home without triggering an early repayment penalty.Apply Now
Can I move my current mortgage to a new house?
The short answer is yes, many mortgages are 'portable', which means you may be able to transfer your current mortgage to a new property. Although, in effect you will have to reapply for that deal, so if your circumstances have changed at all, then you may no longer qualify and you will be subject to a new credit score.
What are the costs when moving home?
There are lots of costs to keep in mind when moving home, more so than for a first-time buyer: 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?
When you move, your legal representative will pay off your existing mortgage in full from the proceeds of the house sale. You will need to start a new mortgage if you are purchasing a new property or “port” your current one to your next property if your lender permits this.
Can you pay a mortgage off early?
You can pay your mortgage off in full at any time, as long as you also pay any early repayment charges that may apply. Most lenders will allow annual overpayments of 10% of your mortgage balance per year, if you are still in your introductory, fixed or discount period. If you are on a standard variable rate you can usually overpay as much as you want.
We're flexible around your work and family, we'll be there when you need us.
No upfront fees payable, we are paid on results only.
You'll always know who you are dealing with.
No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.
Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.
We shop around for the cheapest deal for you, saving you time and money.
There isn't a situation we haven't come across before, we fully understand your needs.
We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.
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Excellent service from Matt & Molly. Throughly recommend UK money man
All staff very helpful ..patient and knowledgeable. I was always spoken to professionally and courteously. Wayne gave me sound advice and helped me sort out issues in an area I am new too. Very grateful for help and support given.
Excellent professional service from start to finish. Staff are extremely friendly, professional and kept us informed every step of the way, making what can be an extremely stressful process quick, efficient and hassle free. This is the second time...
House-buying is a very stressful business but obtaining a later-life mortgage with UK Moneyman was a pleasure. The staff were extremely professional, knowledgeable, efficient and polite. They obtained a very good deal for us at the speed of light!...
Very Easy to talk to and Very Helpful.
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Third time using Moneyman. The service has been excellent every time.
UK Moneyman have helped to co-ordinate both my initial mortgage as well as the remortgaging of my current property. The team members from initial deal scoping across the markey to seeing the process through to completion have all been extremly...
Excellent service provided, took out a new life insurance policy easy and stress free 5* service as always
Very polite, help and friendly, listened to what I had to say .
Really helpful and quick to get back
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Being a first time buyer and not really knowing any process or what I need to do Mizna Coates was incredible at helping me sort my life insurance out. She was determined and diligent at trying to source a provider to give me critical illness...
Moneyman are brilliant. Don't know what I would have done without them. They have sorted my mortgage, life Insurance and home insurance. I had know idea were to start. Mizna is a total asset to the company. I feel like I have made a new...
Very helpful thank you
Excellent service from Chris. Told him what we wanted & came back with all options. Didn’t push any extras on us but gave us options. Quick service & now in our new home. Thank you will definitely recommend.
Brilliant service from start to finish. Great communication and always go out their way to help. Mizna looked after us this time for our life insurance and critical illness cover. It wasn’t straight forward to get us cover but she did...
Happy with the fast communication and help from Aaron
First rate service mizna kept me informed every step of the way of where we were at and was clear of what I needed to do. Would recommend to friends and family.
UK Moneyman (Charlie and Chloe) were fantastic during the process of applying for a Mortgage. I sought their help for a mortgage that was outside of what the bank was currently offering and after a few negotiations, they delivered the product that I...