Moving home is a really exciting time. There are so many elements to bring together. At DWG we will be by your side to give you the best advice for securing a mortgage on your new home, so you can enjoy the fun parts like viewing potential new homes, exploring new areas, looking for new furniture etc. We can put you in contact with one of our highly recommended conveyancers so you know the legal side of your house move will also be in safe hands. With access to the whole market we can find you the best financial solution for your needs.
It may be that you are tied in with your current lender as you are still within a fixed rate period with penalties, in this instance we can look at staying with your current lender and “porting” your current mortgage with a top up amount if required. Nowadays many mortgages are “portable”. However this will all be subject to affordability and your lender’s current lending criteria.
It could be that the lender might find the type of property you want to buy unacceptable.
When we ask your lender to "port" your mortgage, we are effectively reapplying for the borrowing. We will take the stress out of all of these potential scenarios by looking at the best possible mortgage solution for you. It might be that a new lender is recommended to make you move possible.
If the lender has tightened their affordability rules then you might not be able to borrow the amount the amount you need. You may need to consider using another lender instead.
Moving home is not only stressful - it’s expensive – put your trust in us to help you make that move.
It’s important to factor in potential additional costs such as stamp duty conveyancing costs and legal fees, agency fees for selling your property and removal costs.
Speak to one of our expert advisors to make your next move a reality.
Stamp Duty Calculator
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