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Moving Home Mortgage Advice in Sunderland

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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 Sunderland 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.

 

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 Sunderland

 

People have gotten in touch to seek Mortgage Advice in Sunderland. 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 Sunderlandmoneyman as your Moving Home Mortgage Broker?

 

  • Our Mortgage Advisors in Sunderland 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 initial mortgage consultation with a mortgage advisor in Sunderland will last round about one hour. They will then recommend a mortgage for you, wherein you have no obligation to proceed and you can decide whether or not that particular deal is something you’d like to go forward with.

As a trusted and well experienced mortgage broker in Sunderland, we will first carry out a Fact Find to establish your personal needs, before we begin searching and recommending the most suitable mortgage for you. A credit check will be required for an Agreement in Principle. A formal mortgage offer can be issued once you have provided all the relevant documentation and a valuation of the property has been undertaken.

To avoid any kind of disappointment with a property, we recommend you obtain an Agreement in Principle before you begin property viewings in Sunderland. We would say that at the very latest, you should obtain one before you start to make offers, in order to assist your bargaining position.

A standard Agreement in Principle typically lasts for around 30 to 90 days depending on the Lender. If your Agreement in Principle expires, you can get it easily refreshed.

You may have the option of getting a second mortgage on your home for things like debt consolidation or Home Improvements. This can also be possible if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit for purchasing a home in Sunderland with a mortgage lender is typically 5%. This figure can possibly be higher if you have had previous credit problems.

If you have had credit problems previously in life, you may still have a chance at obtaining a mortgage, but you may be required to put down a higher deposit than usual. This could be be 15% of the property purchase price.

Once you have submitted at least one year’s accounts to the lender, you may be eligible for a mortgage. Most Lenders will calculate the maximum mortgage with salary plus dividend, whereas others sometimes go off your net profit.

A lender will usually need three payslips for an employee to prove income and the latest 2 years’ accounts for an applicant who is self-employed. You will also need to provide them with proof of ID, address and 3 months’ bank statements.

Your free consultation with a mortgage advisor in Sunderland will typically lasts up to an hour or so. We have the ability to turn round an agreement in principle within 24 hours. A formal mortgage offer has been known to take roughly 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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Sunderlandmoneyman.com & Sunderlandmoneyman 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.

© 2021 Sunderlandmoneyman

Sunderlandmoneyman – Hope Street Xchange, 1-3 Hind Street, Sunderland, SR1 3QD

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