Mortgage House Mortgage

Home Mover Mortgage

Moving House - Mortgage offers comprehensive mortgage advice and can be your guide to moving house in the UK - our team will explain to you how a moving house mortgage timeline works and help you to plan your house move, basically being your house buying guide, as well as arrangingyour home mover mortgage.

With our help you can get through those home purchase steps simply and efficiently, whether you are an established home owner seeking another move or a first time buyer.

Moving house can be one of the more stressful activities that we undertake in our lifetime. Whether you are a considering help to buy, right to buy or a straightforward home mover purchase mortgage we are here to help. If you have already moved several times before, or you are renting a property, there are likely to be many questions you need answering and when it comes to the mechanics, processes and arranging of your mortgage we are here for you.

Please call at your earliest convenience to get the facts and figures from our UK mortgage team on 0800 977 4701 our short, no credit check purchase mortgage form and let`s get you moving.

Questions about your home mover mortgage we can help with.

  • How much is it likely to cost for my mortgage and what fees are involved?
  • Can I still qualify for a mortgage if I have been declined by my bank due to bad credit, mortgage arrears or defaults?
  • Which mortgage term, lender, product and type could be right for me?
  • What is the buying process, and who is involved?
  • What are the help to buy scheme or shared equity schemes and how do I qualify?
  • What does a solicitor do and can I get a free legal`s with some mortgage lenders?
  • How does the lender`s valuation fit into the home buying process?

Other questions you will want to consider before making your move.

  • How can I get the best price / convince the vendor to give me a discount?
  • What do I look for when viewing a property to buy?
  • Should I try selling my house myself, or use an online based business or a traditional local estate agent?
  • What are prices like in the area - Is it a buyers or seller`s market?
  • What is the area like for crime, weather, schooling, transport and retail? is your one stop site for all a huge array of affairs relating to moving house mortgages in the UK, specialising inhouse purchase mortgage advice.

If you are buying or remortgaging your house or looking to buy a council / housing association renting a property in the UK will help to steer you through the process with our UK based and owned qualified mortgage advice team.

Cost and fees associated with moving house.

The main costs you need to consider when determining you moving house charges and fees include the following:

  • Stamp Duty Land Tax.
    Different bands apply depending on the cost of the house. If you are not a first time buyer and the property costs less than £125,000 then no stamp duty is payable. If you are a first time buyer changes made in the 2017 autumn budget mean you do not pay stamp duty land tax on the first £300,000, so now maybe the time to buy your first home.
  • SolicitorsConveyancing & Legal Fees.
    When asking for a quotation from a solicitor check what is included. Key moving costs to look out for are search fees, additional administration charges and rates charged per call or letter on your behalf.
  • Home Moving & Removal Fees.
    Dependent upon distance and amount of goods involved house removal companies can charge from circa 350 – 10,000 pounds. This is dependent on where you live, how far you are moving and how much gear you need to move.
  • Cost of mortgage, some mortgage lenders will let you port your mortgage to a different property (there is could be a fee for this). A new mortgage may result in early repayment charges on your current mortgage so check and time the move to avoid or minimise this. Usual fees not already mentioned are lender product fees, valuation fees, mortgage advice charges and administration / documentation fees.HelpToMove have qualified mortgage advisers who will be able to discuss the different options and mortgages available

Expenses to for home improvements on your new home.

If you are moving into a new house then there may be other moving house set up costs you should consider when budgeting your finances. Having made the decision to buy, draw a list up asap of what you think you want / need to do to your new house to make it a home. Some suggestions could be:

  • The cost of carpeting, including underlay, gripper rods and fitting / laminate and wooden flooring.
  • Gas, electricity and landline telephone line connection, including broadband.
  • Window blinds, curtain rails/ curtains and netting.
  • Digital TV aerial, sky dish / virgin / BT vision installation.

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