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Moving Home Mortgage Advice in Harrogate

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We Take the Stress Away From Moving Home!

Moving home is an exciting time for all. Whether you’ve found your dream home, moving closer to work, or for a new job or even just because you fancy trying out a new area, it’s a new chapter in your life.

 

But even though it may be an exciting time, it can also be stressful. There is a lot to organize from making sure everyone has your new address to coordinating the move. But perhaps, the most important part of the process is obtaining your mortgage.

 

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 Harrogate 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.

 

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We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in Harrogate

People have gotten in touch to seek Mortgage Advice in Harrogate. They may be doing so for a number of reasons:

  • Maybe you are putting your house up for sale in the near future and need to know how much you can borrow on a new mortgage and what your costs will be.
  • You may have already sold your house and want to be in a strong position to begin making offers on a new property.
  • Your offer on a new home has been accepted so you need to get your mortgage sorted out quickly.
  • You require a Mortgage Agreement in Principle to support and strengthen offers that you are going to make to buy a new property.
  • Possibly you have been turned away by your bank? Maybe your credit score was not good enough or you simply did not fit with their lending criteria and the computer said ‘No’?
  • Is your financial situation a complicated one, with maybe several streams of income or self-employment involved?

 

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

Why choose Harrogatemoneyman as your Moving Home Mortgage Broker?

  • Our Mortgage Advisors in Harrogate are very experienced with helping customers taking the next step on the property ladder, and there is rarely a situation that we haven’t come across.
  • We offer all customers a free home movers mortgage review, as part of this review, we will look at helping you work out your monthly budget and maximum that you can borrow.
  • If you are happy with our recommendation, we would then look at obtaining an Agreement In Principle so that you are ready to back up any offers that you would like to make.
  • Then, when you have found your new home and had an offer accepted. We would then proceed with your mortgage application, taking care of everything right through until completion.
  • We don’t just source you the best mortgage, we can also help with; discussing the different types of property survey that are available to you, help obtain many Conveyancing Solicitor quotes, or discuss the appropriate associated insurances that are available.
  • We work solely for you! We have no vested interest with any estate agents, builders or banks.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Your free mortgage consultation in Harrogate 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 Harrogate, 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 Harrogate. 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 in Harrogate 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 Harrogate 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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Harrogatemoneyman.com & Harrogatemoneyman 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.

© 2020 Harrogatemoneyman

Harrogatemoneyman – Hookstone Ave, Harrogate HG2 8ER

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