Moving Home Mortgage Advice Beverley | Beverleymoneyman

Moving Home Mortgage Advice in Beverley

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We Take the Stress Away From Moving Home in Beverley!

The moving home journey is known to be a stressful experience. For some, it may be one of the most intense processes they will go through in their life. You also have to factor in the mortgage aspects that come with moving home too!

 

Through a combination of your extensive experience and rich knowledge as a local Mortgage Broker in Beverley, we understand the feeling. This is why we provide a helping hand throughout your time of Moving Home in Beverley.

 

When speaking to customers, we find that the part that makes the process stressful is the fact that you will be buying your new home at the same time of selling your old home. It’s also key these two processes are carried out simultaneously.

 

The big relief for you is that the paperwork and concurrent process are in the hands of your conveyancing solicitor.

 

Nonetheless, at the time you will need to secure a purchase of a potential new home along with finding someone to buy your home.

Mortgage Advice for Home Mover in Beverley

For those looking to explore their option when Moving Home in Beverley, we have an expert team who work hard in making the home purchasing and mortgage processes go as swiftly and smoothly as they possibly can.

 

 

At every step of the mortgage journey, our team will be there to answer any of your questions and keep you informed.

 

 

Here at Beverleymoneyman, we have access to a large panel of lenders which means our team can search through thousands of mortgage deals so we can find you the most appropriate deal for your circumstances.

 

 

If you are looking to move home in Beverley with a mortgage, get in touch with your team today! All our customers both old and new are offered a free mortgage appointment with a knowledgeable Mortgage Advisor in Beverley. We look forward to helping you achieve your mortgage goals!

 

How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in Beverley

Whether you are looking at moving from outside of Beverley into a neighbouring city or live in an area more rural and live within close proximity of the city. we have a team of mortgage advisors who have a brilliant reputation for helping many customers fulfil their home moving and mortgage goals.

 

Below we have collated a list of the different moving home scenarios that we encountered when speaking to customers going through the moving home process.

 

 

How Much You Can Borrow & The Costs

It’s common for customers to contact us earlier on in their mortgage journey as a way to take advantage of our open & honest Mortgage Advice in Beverley.

 

It’s likely that these customers get in touch with our team usually is wanting to get a further understanding of an estimate of the amount they would be able to borrow. Along with this, they would want to know the interest rates for this and how much their monthly repayments might be.

Need an Agreement in Principle

When you have attended your free mortgage appointment, your designated mortgage advisor will have an idea of your financial situation and goals. From this, they will look through thousands of products in order to find you the perfect mortgage that lines up with your personal situation.

 

When you agree to continue with our mortgage recommendation, it’s then time to progress your mortgage and look at getting an agreement in principle sorted out for you. With your AIP by your side will show to a seller and a lender that you are in a serious position to proceed and can be helpful in the negotiating process when looking at properties in Beverley.

Your Offer on a New Home Has Been Accepted

In the case where you have already had an offer accepted on your potential new home, it’s now the job of your dedicated Mortgage Advisor in Beverley who will work hard to get your full mortgage application process started.

 

Our team go beyond the mortgage by providing you with information about the range of property surveys available as well as recommend a brilliant conveyancing solicitor for you to use.

Having Trouble with the Bank

In the case where you have approached a Bank or Building Society and they have not accepted your remortgage application, this could be down to various reasons.

 

You may have not met the lender’s strict credit scoring criteria or you may have not been eligible to borrow as much as they would like.

 

Please don’t lose hope! It’s still helpful to contact an open and honest Mortgage Broker in Beverley. They will be able to explore a range of specialist mortgage lenders along with unique deals.

 

Our team have access to a range of mortgage lenders on panel with many of them offering specialist products for niche situations, some benefitting applicants who maybe have a poor credit score. Our team have thorough and lengthy knowledge when it comes to mortgage lending criteria.

 

Get in Touch for Mortgage Advice in Beverley

 

Keep in mind that these are the most common we have encountered when speaking with customers who are looking at seeking mortgage advice for Moving Home in Beverley.

 

Therefore, you may not relate to any of the scenarios stated above, however, it’s still best to get in contact with one of our mortgage advisors today. With over a decade of mortgage experience under our belt, there is high chance we have worked with a customers in your situation before.

Looking to Move Home in Beverley? Our team may be able to help.

For those who are exploring their option of moving home in Beverley, our team of reputable Mortgage Advisors in Beverley are here to help! They will be with you throughout the process to provide a helping hand from the initial point of contact to obtaining the keys to your new home.

 

As a Mortgage Broker in Beverley, we have a hard working mortgage advice team who will work alongside the advisors to help them towards achieving the goals of getting onto the property ladder. It’s also rare for us to encounter a situation we haven’t come across before.

 

Here at Beverleymoneyman, all our customers are offered a free home movers review at the start of the process, with no obligation to proceed. Within this review, our team will look through your mortgage plans as well as determine whether or not you will manage to keep up your payments. Along with this, we will look at the amount you may be able to borrow as well as your monthly outgoings.

 

When our team have collated some initial information from you and has got an idea of what you are looking to achieve, your dedicated mortgage advisor will then go away and search through thousands of varying mortgage deals so they can find you the most appropriate one for your circumstance.

 

As soon as you feel happy with our recommendation, it’s then for our team to help you get a mortgage agreement in principle which is helpful when you are looking to back up any offer you make on a property.

 

If you have found your next home in Beverley and have had an offer accepted on the property, it’s then time for your mortgage advisor to process your full application on your behalf as well as providing you with the help and guidance you need all the way to the end of the process.

 

We strive in going above and beyond the mortgage, there’s a lot more to it than finding you the perfect mortgage. Our team can help arrange you a survey to be carried out on your potential new property as well as provide quotes from conveyancing solicitors.

 

Along with being provided with a mortgage recommendation, we will also recommend you the most suitable insurance to take so you are protected should an unfortunate event occur that could negatively impact your ability to pay your mortgage bills.

 

Our hard working and friendly team of mortgage advisors are available 7 days a week to provide support and answer any questions you may have towards achieving your moving home aims. We look forward for your call!

Reviews Stars5.00 Rating33 Reviews

Common mortgage
questions

Your free mortgage consultation in Beverley will last approximately one hour. We will then recommend a mortgage for you with no obligation for you to proceed, and you can decide whether or not you wish to go ahead.

As your Mortgage Broker in Beverley, we carry out a Fact Find to establish your personal needs before recommending the most suitable mortgage for you. A credit check is then required for an agreement in principle. Once you have provided all the relevant documentation and a property valuation has been undertaken, a formal mortgage offer can be issued.

We advise you to obtain an Agreement in Principle before property viewings in Beverley to avoid potential disappointment. At the very latest, we would suggest that you get one before you make any offers to put you in a better bargaining position. As a responsive Mortgage Broker in Beverley, we can typically obtain an agreement in principle within 24 hours.

An Agreement in Principle will last for between 30 and 90 days, depending on the lender. If your Agreement in Principle expires before you can use it. Don’t worry; speak to your advisor, they can make it valid again.

Depending on your circumstances, if you’re looking to achieve something like debt consolidation or home improvements, then you may be able to take out a second mortgage on your property. If you’re looking to use it for yourself, a family member, a holiday home or a Buy to Let, a second mortgage on that property may also be an option.

A high street lender will require you to put down a minimum deposit of 5% of the property purchase. If you have had credit problems in the past, this may be higher.

If you have struggled with credit problems in the past, you may still be eligible for a mortgage, though a lender may require you to put down a higher deposit than expected.

Once you have submitted at least one year’s accounts moves you along the process, allowing you to obtain a mortgage in Beverley potentially. Most lenders will utilise your salary plus dividend to calculate the maximum mortgage amount you are eligible to borrow, whereas some other lenders will go off your net profit.

For an employee to prove their income, it’s usually three payslips and the last two years’ accounts if you are self-employed. You will also need to provide proof of ID, address and the previous three months’ bank statements.

Generally speaking, our free mortgage consultation lasts around an hour or so. Additionally, we can turn around an agreement in Principle within 24 hours. But it takes three weeks on average for a formal mortgage offer to approve.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links

Beverleymoneyman.com & Beverleymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

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