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Moving Home Mortgage Advice in Middlesbrough

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We Take the Stress Away From Moving Home!

 

You don’t need to worry as we are here to help. Whether you are moving house for the first time or are contemplating a move after many years in the same property, we can take the stress away.  Experience has taught us that it is a time that can be incredibly time-consuming, frustrating and worrying.  For this very reason, we provide a service that ensures smooth progress from beginning to end.

 

 

We will be here to support you throughout the whole process, answering any questions you may have. We’ll talk you through the process and our Mortgage Advisors in Middlesbrough will always be at the other end of the phone when you need us.

 

 

We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

 

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 Middlesbrough

Let’s face it, moving home can be one of the most stressful things you’ll ever do. There’s so much packing up involved, transport to book, keys to hand over and then there are the additional costs that you hadn’t bargained for. The last thing you want to have to think about is your moving home mortgage being held up for some reason. Use a Mortgage Broker in Middlesbrough such as ourselves and we can try to take as much stress away as possible.

Popular Scenarios When Moving Home:

  • You’ve spotted the house of your dreams and are desperate to make an offer on it before someone else does.
  • You would like to get a Mortgage in Principle drawn up so that you can show a potential seller how serious you are about buying.
  • You know you want to move but don’t know how much you can afford in terms of monthly repayments.
  • You just want to get started on finding a mortgage (even though you’ve not even started looking properly yet).
  • You’re thinking about making money by renting out your existing home via a Buy-To-Let mortgage in Middlesbrough so will need another mortgage for a property to live in.
  • You’re looking to buy a home with a sibling, friend etc – a scenario which doesn’t fit in neatly to traditional high street lending criteria.

 

We don’t have any ties with Banks, Building Societies or Estate Agents. It’s reasons like this why we’re able to search through thousands of products from a wide variety of lenders, ensuring the mortgage is tailored to your needs. As a company we take great pride in our service, offering 5-Star Mortgage Advice in Middlesbrough.

 

If you fall into any of these categories or even something else, we will do all we can to help.

How we can help with your moving home mortgage:

  • We can get you that Mortgage Agreement in Principle so that you can go ahead and put in a serious offer on your dream home
  • Our monthly Mortgage Calculations will help you set a realistic budget you can afford
  • We’ll guide you through the minefield that is property surveying so that any problems with your potential new home are picked up straight away
  • We can point you in the direction of a good conveyancer
  • We can recommend insurance for your new home if you need it

Having Complications?

There are many reasons why traditional high street lenders choose to reject a mortgage application – even from clients who have an existing mortgage with them. This could be because:

  • The property itself is currently unsuitable for the type of mortgage you want.
  • You have bitten the bullet and gone self-employed since making your last mortgage application.
  • The property you want to buy is Below Market Value.
  • You’re buying with a friend or sibling etc.

 

If you’re going around in circles getting rejected for a mortgage, why not try contacting a Mortgage Advisor in Middlesbrough? We have years of experience and knowledge behind us so you won’t be sitting around for weeks waiting to hear if your house purchase can go ahead or not.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Middlesbrough will last round about 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 proceed with the mortgage.

As your mortgage broker in Middlesbrough, we carry out a Fact Find to establish your personal needs before we recommend 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 valuation of the property has been undertaken, a formal mortgage offer can be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Middlesbrough. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or home improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Middlesbrough with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

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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.

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Middlesbroughmoneyman.com & Middlesbroughmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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