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Whether you are moving home to upgrade to a newer property or downsizing to a property that will better suit your needs, the process can be a busy and stressful time, but it shouldn’t have to be. With the assistance from a Mortgage Broker in Leicester like us, we can deal with the mortgage aspects to take the stress away, giving you more time to focus on the move itself.
What makes moving home stressful can depend on what you are looking to achieve. Whether you are looking to port your current mortgage across, change lenders because your circumstances have changed, or obtain a new mortgage to cover the new value for a property, all of these can be stressful experiences as you’re trying to balance both a purchase and sale simultaneously. You also have to consider the sheer amount of paperwork and completions with your conveyancing solicitor.
You will need to have secured your onward purchase and find a buyer for your existing property within a timeframe.
How can a Mortgage Advisor help take the stress out of moving home? At Leedsmoneyman, our expert Mortgage Advisors in Leicester are available 7 days a week to walk you through the process of moving your mortgage to a new property. We aim to make your buying process runs as smoothly as possible; you can relax knowing that you’re in capable hands with our service.
We’ve helped many customers from Leicestershire move home quickly and easily by booking themselves in for a free mortgage appointment to speak to one of our Mortgage Advisors in Leicester. Your Mortgage Advisor will ask about your current circumstances and what you are looking to achieve. We talk you through every step of the process, keep you informed throughout the whole journey, and answer any questions you have.
The perks of using a Mortgage Broker in Leicester is utilising our extensive panel of lenders who provide a wide range of products. We will search through 1000’s of mortgage products then approach a lender whose criteria best match your circumstances to find the most appropriate mortgage deal for you.
If you are looking to Move Home, please don’t hesitate to get in touch. We offer all of our new/existing customers a free mortgage consultation. Book yourself in for a free mortgage appointment today, and let us see how we can help start your home moving journey.
If you were planning on relocating to Leicester or looking to move somewhere around Leicestershire, our qualified Mortgage Advisors in Leicester has helped many customers in a similar position as yourself achieve their moving home goal.
Here are some popular moving home scenarios that our team frequently come across.
A popular question amongst First Time Buyers and Home Movers in Leicester, many customers ask the maximum amount they can borrow for a mortgage and the interest rates and monthly repayments.
At the end of your free mortgage consultation, one of our Mortgage Advisor in Leicester will search through 1000s of deals to find the most suitable deal for your circumstances.
If you like our recommendation, we will look to obtain you an Agreement in Principle. Having an Agreement in Principle (AIP) can help speed up the home-buying process, as you are ready to back up any offers you make on your ongoing property purchase.
The next step is that your Mortgage Advisor will resume your mortgage application. We can also lend you a hand and advisor you on the different types of property surveys available and find you a suitable conveyancing solicitor in Leicester.
If your Bank or Building Society may decline your mortgage application, it means you didn’t tick all of their boxes. Whether your credit score wasn’t up to scratch, or they will not lend you enough. It is still worth contacting a Mortgage Broker. A Mortgage Broker may be able to search the market to find you a more suitable lender whose criteria you do meet.
Obtaining a mortgage comes down to your circumstances and your credit file. We will do our best to search the market to find you the most suitable lender. We search 1000’s of deals, each offer specialist products tailored to clients whom a bank has rejected in the past.
Listed above were just some of the most popular reasons our customers contact us for Mortgage Advice in Leicester, and there is rarely a situation that they haven’t come across, so don’t panic if you do not fall into any of these categories. Still, contact us as our team will be more than happy to do their best to help you achieve your mortgage goals.
If you want to know your options, you will benefit from speaking with one of our dedicated and hardworking Mortgage Advisors in Leicester. They will have a chat, provide any necessary guidance, and work alongside you from your initial inquiry to the end of your process.
Here at Leicestermoneyman, we have had countless experiences helping customers put their foot on the property ladder, and there isn’t a situation that our team haven’t met before. We are ready and waiting to take on complex/specialist cases.
All next/existing customers receive a free home movers’ review, with zero obligation to proceed. During this review, our team will ask you what you’re hoping to achieve and ensure that you can take this affordable route. In doing so, we’ll be asking for both your monthly payments and discuss with you what’s the maximum amount you can borrow.
Once we have gathered enough information, made some keynotes, and what you’re hoping to achieve during your free home movers review, your Mortgage Advisor in Leicester will search through 1000’s of deals to find you the most suitable to match your current circumstances.
If you are happy to proceed with our recommendation, we will look to get a mortgage Agreement in Principle, which we can usually obtain within 24 hours of your initial appointment. This will help back up any offers you would like to make on a property.
Once you have found your new home in Leicester and the seller of the property has accepted the offer you have made, our dedicated and trusted team will then continue with your mortgage application.
Customers are the heart of this company. It’s not just about finding the best mortgage for you. We like to go above and beyond. We also offer to help with the various surveys available to you and can help you get any conveyancing solicitor quotes.
As well as recommending the most appropriate mortgage to you, your advisor will also recommend various insurances to help cover your remaining mortgage payments in the event of something unfortunate happening.
5.00 Rating18 Reviews
Andrea
The service was really good and want to say a big thank you to Leo and Wendy for all there help and guidance 😊
Ryan
Leo who help deal with all of our mortgage was brilliant, professional always there to guide us and explain every step, fully recommend him, We also spoke with Wendy and once again she was very friendly polite and there to help with anything...
Mohit
Really good service by Malcolm and the team. Fast and made sure to understand my needs regarding the mortgage I wanted and to meet them. Would recommend
Nicole
Could not recommend Matt and Megan enough! Being a first time buyer, I did not know what the buying process would entail. Thankfully, Matt and Megan explained everything as we went along. Matt went above and beyond to answer my calls when we...
Liam
Really good service and friendly too
Angela
Very pleased with the the service. Dan was very helpful and explained everything as the process went along in a clear way. All options were looked to see which would be the best option for myself. This made doing the product transfer hassle free.
Anonymous
Buying a home can be a confusing process, especially if you are a first time buyer. Lyndsey and Ryan made the whole process really easy for us, helping us every step of the way ensuring that we were clear at all times. We now have a mortgage...
Darren
Anna was brilliant from first contact to the end of the process was just a few days and I didn’t have any stress at all Will definitely recommend
Chris
Brilliant service from start to finish, we had no idea on the process and every little question has been answered along the way no matter how trivial. We can’t thank Malcolm, Joe and Lyndsey enough for their help throughout this process and...
Matthew
Just want to thank Charlie and Molly for being so helpful, they really helped and reassured us a lot through our mortgage process! They always had time for a chat to us and help me and my partner! Great service!
Oliver
Wayne and Meghan were great and everything was sorted without issue or effort. Great advice and got the product I needed. Great service.
James
I first used UK Moneyman when buying my house in 2017. I returned in 2021 for my remortgage. In both instances I found Malcolm and his team to offer excellent service, making the process clear and simple. He talked me through every step, and...
Gemma
Very helpful and professional
Laura
Very helpful. Reply to emails quickly and clearly. Would definitely recommend
bethany
Very much recommend! BMM are great to work with - efficient, dependable and knowledgeable.
Anonymous
Me and my partner have recently got a mortgage with UK Moneyman and the process was so easy and helpful. I cannot thank Joe and Anna enough for all of their hard work on our case. An excellent experience I will be recommending to anyone I know....
Amanda
I would fully recommend Leicester Moneyman to anyone who is looking for a mortgage. They are a very professional company, they handled my recent re-mortgage very efficiently and promptly. When I am ready to change my mortgage again they will be my...
Anonymous
Great customer service and friendly team
Anonymous
Efficient and informative, great experience so far.
Amreen
Excellent service provided by this team, especially kerry and Tom, they are an asset to the team. Thank you so much for everything.
Your free mortgage consultation in Leicester will last for about one hour. Your advisor will then recommend a mortgage for you and you can decide whether or not you wish to go ahead with it.
As your Mortgage Broker in Leicester, we will carry out a Fact Find to determine your needs prior to recommending a mortgage that is the most appropriate. 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.
We recommend that you obtain an Agreement in Principle ahead of viewing properties in Leicester, to avoid any potential disappointment. At the very latest we believe you should obtain one prior to making an offer to help with your bargaining position
An Agreement in Principle will usually last for between 30 and 90 days depending on the Lender. If your Agreement in Principle expires it can always be refreshed with the assistance of your mortgage advisor.
You may possibly be able to get a second mortgage on your home for debt consolidation or Home Improvements. The usage of a second mortgages extends to using it for yourself, a family member, a holiday home or a Buy to Let in Leicester.
To purchase a house in Leicester, the minimum required deposit with High Street Lenders is usually around 5%, but this can be higher if you have had credit problems in the past.
If you have had problems with your credit, you can still get a mortgage, however, you may need to put down a higher deposit than usual, often 15% of the purchase price.
You are able to get a mortgage once you have submitted at least one year’s accounts. Most Lenders use your salary plus dividend to calculate the maximum mortgage amount you can borrow, whereas others go off your net profit.
To prove your income amount, it’s usually the latest three payslips for an employee and the latest 2 years’ accounts for self-employed. On top of this, you will need to produce proof of ID, address and 3 months’ bank statements.
Our free consultation will usually lasts up to an hour or so. Your mortgage advisor can turn around an agreement in principle within 24 hours of this consultation and a formal mortgage offer takes about three weeks on average in Leicester.
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.
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.
