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Time for a change? Whether you are ready to move on to something bigger, downsizing or even relocating we are here to help support you moving home. You may already have a mortgage on your existing property which you are tied into and want to consider porting (taking your existing mortgage to a new property) or obtaining a completely new mortgage. You may be ready to move before your existing property sells and require a bridging loan to bridge the gap between the new purchase and the sale of your existing property. Whatever your requirements, we are here to help.
Assess your budget for moving home and determine the affordability of your new property. Review your existing mortgage and consider any early repayment charges or potential portability options.
If you currently own a property, explore the options for selling it. You may want to consult with estate agents to determine the best strategy for marketing and selling your home.
Begin your search for a new home by considering your desired location, property type, and budget. Engage with estate agents and use online platforms to find suitable options.
Plan your move according to your personal circumstances, such as work commitments, school schedules, or lease agreements.
If your current mortgage is portable, it may be possible to transfer it to your new property. This can be advantageous if you have a favourable interest rate or early repayment charges that you want to avoid.
Moving home presents an opportunity to reassess your mortgage options, we can explore the possibility of remortgaging and potentially securing a better interest rate or more favourable terms.
If you’re changing lenders or entering into a new mortgage agreement, ensure you have all the necessary documentation and meet the eligibility criteria. Consider seeking professional advice to find the most suitable mortgage product for your new home.
We assisted client who wanted to maintain their current home and turn it into a buy-to-let, whilst securing a mortgage on their forever home. We were able to release equity from the existing property to fund the deposit on the new purchase, making the move possible without them having to access their savings.
First charge regulated mortgages – We will provide advice and make a recommendation for you after we have assessed your needs and circumstances.
Second charge regulated mortgages. We will provide advice and make a recommendation for you after we have assessed your needs and circumstances.
BTL & CBTL unregulated mortgages. We will provide advice and make a recommendation for you after we have assessed your needs and circumstances.
Please note that our recommendations with respect to Buy to Let are restricted to helping you arrange a suitable mortgage. We will not advise you about whether or not the property you plan to buy and let out to tenants, will turn out to be a sound investment.
Insurance – We will provide advice and make a personal recommendation for you after we have assessed your need sand circumstances. We provide an intermediary service and act on your behalf.
Mortgages – We are not limited in the range of mortgages we will consider and offer advice on for you with respect to first and second charge regulated mortgage contracts for both business and non-business purposes, as well as unregulated BTL and CBTL mortgage contracts. In circumstances where you are looking to increase existing borrowing, the following options, on which we may not be able to advise, may be more appropriate: A further advance from your existing lender. An unsecured loan.
Insurance – We recommend products based on a fair and personal analysis for term assurance, critical illness, income protection, family income and non-profit whole of life
There are so many Brokers in the market, what makes Your Mortgage Consultants different?
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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Your Mortgage Consultants Limited is registered in England and Wales. No. 14109222. Registered Office: 41-43 Market Place, Chippenham, Wiltshire, SN15 3HR.
Your Mortgage Consultants Limited is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.
Your Mortgage Consultants Limited (No. 979284) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at https://register.fca.org.uk/
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