Moving Home Mortgage Advice in Scunthorpe

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We Take the Stress Away From Moving Home in Scunthorpe!

Usually, people looking to move home as they are looking to upgrade to a newer property or downsize to a property that is more appropriate for their circumstances. The process can be hectic and stressful, however, this is where we come in. Here at Scunthorpemoneyman, we utilise our rich knowledge as a reputable Mortgage Broker in Scunthorpe to provide support by taking as much of the stress away so you can focus on the move itself.

 

The stressful part of the moving home process can come down to what your moving home goals are. Some goals include people looking to port their current mortgage across, wanting to switch lenders due to a change in circumstance, or getting a new mortgage to cover the new value of a property. Each of these can be a stressful experience as it’s your responsibility to juggle both a purchase and balance at the same time. Furthermore, you need to take into account the amount of paperwork and completions with your conveyancing solicitor.

 

Remember that you need to have secured your onward purchase and find a buyer for your existing property within a timeframe.

 

Open & Honest Mortgage Advice in Scunthorpe

You may be wondering how a Mortgage Advisor in Leicester can help you reduce the stress of moving home. We have a team of Mortgage Advisors in Scunthorpe who are on hand 7 days a week to provide a helping hand throughout the moving home journey. We strive in making the moving home experience less stressful so you can rest assured you are in the best hands with our fast & friendly service.

 

Over the years, we have helped a plethora of customers within Scunthorpe and the surrounding areas to move home in a smooth and stress-free approach. We offer all our customers a free mortgage appointment to speak to one of our expert Mortgage Advisors in Scunthorpe. Within the appointment, they will be able to build more of a financial picture of your situation and look at what you are wanting to achieve. Throughout the process, we will keep you up to date and answer any questions as well as keep technical jargon to a minimum.

 

There are plenty of benefits of using a Mortgage Broker in Scunthorpe. One of them is that we have a large panel of lenders who offer a wide variety of products as this gives us the opportunity to search 1000’s of mortgage deals with the goal of finding you the one that is perfect for your situation.

 

With this in mind, if you are looking to achieve your moving home goals, we are here to help! Each of our customers is offered a free mortgage appointment. Simply, book online or call our team to book yourself in for a free appointment today to see how our team can help you through the moving home process.

 

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 Scunthorpe

For those looking to relocate to Scunthorpe or looking to move to an area just on the outskirts of Scunthorpe, we have a team of knowledgable Mortgage Advisors in Scunthorpe who have extensive experience in dealing with customers in a situation similar to yourself.

 

Throughout our time as a Mortgage Broker in Scunthorpe, we have experienced a range of scenarios with the below being the most common.

 

How much can I borrow, and what are my monthly repayment costs?

This is something many of our customers who are looking to buy their first property or are moving home commonly ask. They want to get an idea of the maximum amount they can borrow and the interest rates along with the monthly repayments in order to have an idea of the amount they may need to budget.

 

Can you help me get an agreement in principle?

After you have attended your free mortgage appointment, your dedicated Mortgage Advisor in Scunthorpe will go away to search through 1000s of deals with the goal of finding you the most appropriate deal for your situation.

 

If you agree with our recommendation, it’s then time to get you an Agreement in Principle. With an Agreements in Principle (AIP) to hand, will be able to support you when you are backing up offer you have made on your ongoing property purchase which can help make the process more quicker.

My offer on a new home got accepted. What is the next step?

Next, your Mortgage Advisor will recommence your mortgage application. Furthermore, our team will be able to provide you with a more in-depth insight into the range of property surveys available as well as find you a conveyancing solicitor in Scunthorpe that is suitable for your needs.

 

Has the bank rejected you?

In the circumstance where your Bank or Building Society has declined your mortgage application, it’s likely that you didn’t match their in-house criteria. Your credit score may not have been adequate, or they will not lend you enough. This is where a Mortgage Broker in Scunthorpe can help as they can scour the market to find you the most suitable lender for your personal situation.

 

When it comes to getting a mortgage, it all depends on your situation and your credit file. Our overall goal is to find the most appropriate lender for you by exploring the market. With access to a large panel of lenders, we can search 1000 of mortgage products including specialists that are designed for applicants who were rejected by a bank before.

 

Keep in mind that the questions above are just the most common ones we get asked regularly, therefore, please don’t hesitate to get in touch even if you feel your situation doesn’t apply. Our experience in providing Mortgage Advice in Scunthorpe has allowed us to experience a vast variety of mortgage situations so it’s very likely we have encountered yours before. Get in touch with our team who will be more than happy to help and see how we can help you achieve your moving home goals.

Why choose Scunthorpemoneyman as your Moving Home Mortgage Broker?

Speaking to one of our expert Mortgage Advisors in Scunthorpe can be your helping hand when you are looking to explore your options. Having them by your side will allow you to get further information about your option and will be there for support from your first point of contact all the way to the end of the process.

 

With over 20 years of experience within the mortgage industry, we have had the pleasure of helping lots of customers through the moving home journey. Furthermore, we have been exposed to a variety of scenarios which has broadened our knowledge and experience further as well as supported customers in complex cases.

 

Our team offer all new and existing customers a free home movers’ review when they first get in touch. Within this review, you will be able to highlight your goals to one of our brilliant advisors who then can make sure you are on the right path to achieve this. Keep in mind that they will want to build a financial picture of your situation in order to see what your monthly payments could be and the maximum amount you could borrow.

 

When we have collated enough information, got to know your financial situation and what you are looking to get out of this mortgage, your designated Mortgage Advisor in Scunthorpe will go away and search through 1000’s of mortgage products to find you the one that is fitting for your situation.

 

Getting Your Mortgage Agreed in Principle

As soon as you are satisfied with our recommendation, it’s then time to begin the next step which is getting a mortgage Agreement in Principle. Our team can usually get this sorted for you within 24 hours of your initial appointment and is a perfect tool to help you back up any offers you are interested to make on a property.

 

When you have found your dream home in Scunthorpe and the offer you have made to the seller of the property has been accepted, our friendly and hardworking team will then resume your mortgage application.

 

Each customer we deal with is provided with a tailored service. We believe that it’s not just about finding the perfect mortgage for you, we go the extra mile. Our team can provide support with various surveys available to you and source any conveyancing solicitor quotes.

 

Along with recommending the most suitable mortgage for you, your advisor will highlight various insurances that can help you with covering your remaining mortgage payments if something unfortunate happens.

Reviews Stars4.81 Rating16 Reviews

Common mortgage
questions

Your free mortgage consultation in Scunthorpe with a dedicated advisor will last for approximately one hour. From that point, we will then recommend a mortgage for you, with no obligation to accept and proceed if you change your mind at any point.

We will carry out a Fact Find to establish your individual circumstances and needs prior to recommending the most suitable mortgage. A credit check is something that will be required for an Agreement in Principle. Once you have given all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can then be issued to you.

To avoid facing disappointment at a later stage, we recommend you obtain an Agreement in Principle before you begin any property viewings in Scunthorpe. At the very latest you should obtain one before you start making offers, as that will assist your bargaining position.

An Agreement in Principle will generally last for anywhere between 30 and 90 days depending on the mortgage lender. If your Agreement in Principle expires, your mortgage advisor in Scunthorpe can refresh this for you.

It may be possible to get a second mortgage on your home if you’re looking to work towards debt consolidation or any home improvements, as well as if you’re wanting to use it for yourself, a family member, a holiday home or a potential Buy to Let.

The minimum deposit when for a property purchase in Scunthorpe with High Street Lenders is 5%, though it can be higher if you have had prior credit problems.

If you have a recent history of credit problems, it’s not impossible for you to get a mortgage, though you may possibly be required to put down a slightly higher deposit than typically expected, perhaps 15% of the property purchase price.

The documents you will need if you are an employee are three payslips to prove income and for self employed, you will need the latest 2 years’. As well as this, you will also need proof of ID, address and 3 months’ bank statements.

A free consultation usually lasts up to an hour or so. An agreement in principle can be ready for you within 24 hours. It takes on average three weeks for a formal mortgage offer.

You will be eligible for a mortgage but only once you have submitted at least one year’s accounts. Many Lenders calculate the maximum mortgage by taking your salary plus dividend, however, others are known to go off your net profit.

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

Scunthorpemoneyman.com & Scunthorpemoneyman 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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