Moving Home Mortgage Advice in Liverpool

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We Take the Stress Away From Moving Home!

The moving home journey can be known to be a stressful experience, however, it shouldn’t be! It can be very beneficial to enlist the help of a Mortgage Broker in Liverpool who can deal with the mortgage side of the process in the hopes to take the strain off the moving process. This allows you to organise and focus on the move itself.

 

The task of purchasing and completing a sale at the same time is one of the big reasons why moving home with a mortgage can be challenging.

 

This challenge can be taken on by the conveyancing solicitor who can make sure the paperwork and the simultaneous completion is sorted. You are required to secure the ongoing purchase along with finding a buyer for the property if you’re looking to sell.

 

Home-Movers Mortgages

Our team of knowledgeable Mortgage Advisors in Liverpool strive in making the moving home process as smooth and as straight forward as possible.

 

When you are Moving Home in Liverpool, we can be by your side to support you and answer any of your questions that may occur on your mortgage journey.

 

Our team can search through 1000s of mortgage deals in order to find you the most appropriate one for your financial and personal situation.

 

We offer a free mortgage appointment to all new/existing customers where we can connect you with a Mortgage Advisor in Liverpool. Get in touch with us to kickstart your moving home journey.

 

How does it work?Get a quote nowMeet your advisor

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

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Moving Home Mortgage Advice in Liverpool

Here at Liverpoolmoneyman, our expert Mortgage Advisors in Liverpool have helped a plethora of customers fulfil their home-owning dreams through providing knowledgeable Mortgage Advice in Liverpool.

 

As a result of this, our team have come across many scenarios on a daily basis. Check out below some popular scenarios we have encountered when it comes to Moving Home in Liverpool:

How Much You Can Borrow & The Costs

One of the reasons why many home movers contact us to obtain Mortgage Advice in Liverpool is because of costs. Many want to know the maximum amount they can borrow, the interest as well as the cost of their monthly repayments.

Need an Agreement in Principle

In the midst of your free mortgage appointment, you will discuss with your dedicated Mortgage Advisor in Liverpool your mortgage goals and will then search through 1000’s of mortgage deals to find the one that suits your situation. As soon as you agree with the recommendation, the process can resume and our team can begin obtaining your Agreement in Principle. Having this document with you can help when it comes to backing up any offers on any property you are interested in.

Your Offer on a New Home Has Been Accepted

You have now received the exciting news that you have had an offer accepted on your new home in Liverpool. It’s now time for you to get in contact with your dedicated Mortgage Advisor in Liverpool to begin your full mortgage application. Along with this, we can provide a helping hand with sourcing a suitable property surveyor and recommend you a trusted conveyancing solicitor.

Having Trouble with the Bank

Through our experience, we have encountered a number of customers who have approached us after being rejected by the bank or building society. This can be due to a number of reasons like your credit score is too low or you’re not in line with the lender’s criteria.

 

If you are in this situation, contacting a Mortgage Broker in Liverpool could be the solution. We work with a range of lenders who offer specialist mortgage deals which are fitting for applicants who are finding it difficult to obtain a mortgage from a bank or building society.

 

As mentioned, it comes down to the credit file and your financial situation. Here at Liverpoolmoneyman, our Mortgage Advisors in Liverpool have in-depth knowledge and experience in the mortgage industry which they have utilised to help customer match up to their criteria.

 

Please do still get in touch even if you feel your situation doesn’t match up with any of the scenarios stated. Our team have had extensive experience within the mortgage world so, it’s very likely they have dealt with a situation similar to yours before so would be more than happy to help you progress on your mortgage journey.

Our team could help you with Moving Home in Liverpool?

If you are looking to know your options for Moving Home in Liverpool, one of our expert Mortgage Advisors in Liverpool will explore these options with you during your free mortgage appointment to see which option is the most appropriate one for you to take.

 

From the initial call all the way to obtaining the keys to your new home, your dedicated Mortgage Advisor in Liverpool will be there to provide a helping hand.

 

Through the years of being in the mortgage industry, our team have gained valuable experience in supporting customers who are looking to get on the property ladder including Home Movers in Liverpool. If you have a complex circumstance, our team are prepared to try and deal with any enquiries.

 

Here at Liverpoolmoneyman, we provide all our customers who get in touch a free home movers’ review. Within this, you can discuss with a member of our team your mortgage goals which in turn can help them find the most appropriate option for you. As well as this, we will look at your monthly payments and your maximum borrowing capacity.

 

Taking the key information and your mortgage goals that were discussed within your free home movers review, your allocated Mortgage Advisor in Liverpool will look for the most appropriate option for your situation by searching through 1000’s of deals.

Getting Your Mortgage Agreed in Principle

As soon as you are happy with their recommendation, your Mortgage Advisor in Liverpool will look to obtain an Agreement in Principle which we can get for you usually within 24 hours of your initial appointment. Having an Agreement in Principle to hand can be helpful when you are wanting to back up any offers on a property.

 

Along with finding you the most suitable mortgage, our team can also help you find a suitable surveyor as well as helping you obtain any conveyancing solicitor quotes.

 

As well as securing you the most appropriate mortgage, your advisor will also recommend you take out insurance to help cover your remaining mortgage payments should something unfortunate happen.

 

Our team are here to help you get through the moving home journey. We look forward to hearing from you!

What our customers say

Common mortgage
questions

As your Mortgage Broker in Liverpool, our first job is to carry out a Fact Find on you to get a bigger picture of your personal and financial situation, so that we can recommend the most suitable mortgage for you. In order to obtain an Agreement in Principle, you will also need to have a credit check performed on you. Once you have provided all the relevant evidential documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

Your free mortgage consultation with Liverpoolmoneyman will last around an hour. After your details have been taken, a Mortgage Advisor in Liverpool will then search through thousands of mortgage deals to find a perfect matching deal for you. Once we recommend the deal, you can decide whether to proceed with us or not, it’s completely up to you!

We always recommend that you obtain an Agreement in Principle before you start viewing properties in Liverpool, as they can potentially put you in front of other buyers who don’t have one. Lenders will like the fact that you have prepared before making an offer.

An Agreement in Principle typically remains valid for between 30 and 90 days, but this can change depending on your lender. If your Agreement in Principle expires it can always be refreshed. A Mortgage Broker in Liverpool like us can usually get one sorted for you within 24 hours within your application.

Yes, you can get a second mortgage. You can take out a second mortgage for your current home for things like debt consolidation and home improvements. It is also possible to take out a second mortgage for another property if you want. Usually, this situation comes about when people are interested in a holiday home, are buying for a friend/family member or want a Let to Buy or Buy to Let.

The minimum deposit when buying a house in Liverpool with high street lenders is typically 5%. You will rarely find lenders that will accept a minimum of less than 5%. This minimum can be higher if you have had bad credit in the past.

It is possible but it can be a bit tricky though. When you have had previous credit problems your minimum deposit that is required could rise, we have seen it at 15% before. Having a Specialist Mortgage Broker in Liverpool could really help you get back on track in situations like these.

After you have proven at least one year’s accounts to your lender, you should be able to get a mortgage. Most lenders in Liverpool will use your salary plus dividend to work out your maximum mortgage, however, some can go off your net profit.

If you’re an employee, you will usually have to supply three payslips in order to prove your income. If you are Self Employed in Liverpool its normally the latest 2 years’ accounts. You will also need to produce proof of ID, address and 3 months’ bank statements.

Our free initial mortgage consultation can last up to an hour. As an experienced Mortgage Broker in Liverpool, after we have all of your information we can get you an Agreement in Principle within 24 hours or your phone call. On average, a formal mortgage offer takes about three weeks.

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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