Home Mover

If you are a home owner, at some point in time you will want to move. It may be that you are looking for a larger property to house a growing family, or downsizing as the kids have finally left home, or just moving to a different area for schools or a career move.

Our top tips for home movers are:

• Don't just stay with your current lender without checking the other options available. Failing to check could cost thousands!
• Book an initial consultation with one of our consultants and we will explain what your options are, including what the most you can borrow is, what are the best rates and cheapest mortgage deals available, along with what it could cost.
• Most sellers won't take you seriously unless you have a decision in principle or 'DIP' from a lender. This is confirmation that a lender has checked you out and is actually willing to lend, proving that you are a viable buyer. If you don't have one, call one of our team and we can arrange this for you.
• Check with a mortgage broker what other options are available, but make sure that they are fully independent and not just working off a panel.
• Beware of keeping your current scheme and effectively bolting on an extra second mortgage. Often the second mortgage will be uncompetitive and won't match your current scheme or term. It may be cheaper and more cost effective to redo the whole mortgage under one new scheme.
• Each week a different lender will be the most competitive as lenders battle for your business, but beware of comparison sites that are often just paid adverts (if you check a few they rarely have the same scheme at the top!)