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Moving Home Mortgage Advice in Derby

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7 days a week, 8am - 10pm

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Moving Home Mortgage Advice in Derby

Planning your next home move? Let our expert mortgage advisors in Derby help you navigate the home-buying process with ease.

01332 979 187

We take the stress away from moving home in Derby.

Moving home has been cited as potentially being one of the most stressful experiences in your life, however, this doesn’t have to be the case. Having a mortgage broker in Derby by your side throughout the process can hopefully take a lot of stress away off your mortgage process. Here at Derbymoneyman, this is always our goal when dealing with customer looking to move home in Derbyshire.

The reason why moving can be so stressful to the majority of people is because you have the task of simultaneously completing the purchase of your new home while completing the sale of your current property.

The moving home process can fall into the hands of a conveyancing solicitor. In this time, you will need to secure the current ongoing purchase alongside finding a buyer for the property you’re selling.

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Moving Home Mortgage Advice in Derby

Mortgages for people who are moving home in Derby.

We can provide you with a service that can make the process run quickly and seamlessly as possible, therefore, if you are looking to start your moving home journey, our hard working team are more than happy to help. From early until late 7 days a week we are here to support you and answer any questions that you may have.

To find you the most appropriate deal in terms of your personal and current situations, we can search through 1000’s of mortgage products. Please do not hesitate to get in touch if you’re looking to move home and need knowledgeable Mortgage Advice in Derby.

All our new/existing customers who get in contact with us are offered a free no-obligation mortgage appointment. We can’t wait to help you start your home-owning journey. We can search 1000s of mortgage products, to find you the best deal for your individual circumstances.

Can I move my current mortgage to a new property in Derby?

If you’re thinking about moving within Derby, you might have the opportunity to transfer your current mortgage to your new property, as long as you meet the lender’s eligibility requirements.

However, it’s important to note that if your circumstances have changed since you initially obtained your mortgage, you may no longer be eligible and will need to re-apply.

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FAQs for Home Movers in Derby

What are the costs when moving home in Derby?

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Relocating to a new home in Derby comes with various expenses that you should be mindful of. These expenses include fees from estate agents, property surveyors, mortgage arrangers, solicitors, and removal services, as well as any fees associated with a mortgage broker in Derby. When you move, the proceeds from the sale of your current property will be used by your legal representative to fully repay your existing mortgage.

What happens if I buy a property and want to move home in Derby?

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If you’re moving to a new property in Derby and your lender allows it, you have the choice to either begin a new mortgage or transfer your current mortgage to your new property. However, keep in mind that if you opt to pay off your mortgage entirely, you may be subject to early repayment fees.

Can you pay a mortgage off early in Derby?

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The ability to make overpayments on your mortgage in Derby depends on the type of mortgage you have. If you’re in the introductory, fixed, or discount period, most mortgage providers will permit you to make annual overpayments of up to 10% of your mortgage balance per year. However, if you’re on a standard variable rate, you can usually make unlimited overpayments without incurring any penalties.

Can you help get me an agreement in principle?

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As soon as you are happy with the recommendation, we have provided you with, this when it’s time to begin getting a mortgage agreement in principle processed for you. This is something we will be able to obtain for you within 24 hours of your initial appointment. Having this by your side gives you the chance to make an offer on a property you like.

When you have found your dream home in Derby and your offer has been accepted by the seller, this is when our hard working team can start processing your full mortgage application, being there to make sure the process runs smoothly all way to completion.

From our team’s point of view, the goal is not just finding you the best mortgage for you, it’s beyond that. This is why we are also here to provide help with a range of surveys that are available to you and can provide you with any conveyancing solicitor quotes.

Alongside providing you with open and honest advice when finding the most appropriate mortgage for you, your advisor will also suggest the most fitting insurance to help cover your remaining mortgage payments if the unfortunate happens. Contact us to book your free moving home mortgage consultation.

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Our Simple Mortgage Process

Free 30-Minute Home Movers Reviews

Step 1

By partnering with a knowledgeable mortgage advisor in Derby, you can have a comprehensive discussion about your current circumstances and future goals.

During your free mortgage appointment, your mortgage advisor in Cardiff will gather information regarding your income and expenses to determine your maximum affordability.

We Can Search 1000s of Mortgage Deals

Step 2

The mortgage advisor in Derby will meticulously search through a vast array of mortgage products to find the one that best suits your needs.

We can assist you in obtaining a mortgage agreement in principle, which can be advantageous when making offers on properties.

Submit Your Mortgage Application

Step 3

Once your offer is accepted, your Derby mortgage advisor will submit your complete mortgage application and supporting documents to the mortgage lender.

Throughout the process, a dedicated case manager will keep you informed until you receive the formal mortgage offer and successfully complete your purchase or sale.

Protecting You and Your Mortgage

Step 4

Our services extend beyond finding the most suitable mortgage deal for you; we also offer relevant insurance recommendations to ensure the security of you and your loved ones.

We will reach out to you when it's time to renew your mortgage to ensure that you always have the best available deal.

Reasons to Choose us

Free Mortgage Appointment

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If you get in touch with Derbymoneyman for Mortgage Advice in Derby, you will receive a free home movers’ review which is offered to our new/existing customers. This appointment will give your dedicated mortgage advisor in Derby the chance to look at what your mortgage goals are as recommend you the most appropriate route for you to take.

As a result of this, they will be able to look into your monthly payments as well as the maximum that you might be able to borrow.

1000s of Deals

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After you have attended your free home movers review in where we obtained some initial bits of information with you as well as establishing your home moving goals, your dedicated Mortgage Advisor in Derby will begin to look into the best deal for your circumstances by searching through 1000's of varying mortgage products.

Our Service

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Here at Derbymoneyman, we have a diligent team that have a lot of experience in helping customers take their first step on the property ladder. Therefore, we find we deal with situations that we have already dealt with in the past which means we are ready to take on any complex cases.

7 days a Week

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Our team of dedicated and knowledgeable mortgage advisors in Derby can provide you with the support and guidance you need when you are exploring your moving home options in Derby. From the initial enquiry to obtaining the keys to your new home, your designated mortgage advisor in Derby will work alongside you throughout the process.

Malcolm and Amy Davidson - Mortgage Advice in Derby

We Search 1000s of Moving Home Mortgages in Derby

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Common Moving Home Mortgage Scenarios

Moving Home Mortgage Advice in Derby

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If you are looking to relocate or are currently living in the area in Derby or are looking to move within the city, our team of hard working mortgage advisors have provided expert mortgage advice in Cardiff to numerous customers, supporting them in achieving their home owning dreams.

Wanting to Know How Much You Can Borrow & The Costs

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We find that a lot of customers want to get a general idea of how much they would be able to borrow, the interest at which this amount would be and how much their monthly repayments could be. This is why many customers get in touch with us early in their mortgage process for mortgage advice in Derby.

After you have attended your Free Mortgage Appointment, your designated Mortgage Advisor will then begin to find you the best deal by searching through 1000s of mortgage products. When you are happy with our recommendation, we will then start looking at obtaining your mortgage agreed in principle.

You Are in Need of an Agreement in Principle

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After you have attended your Free Mortgage Appointment, your designated Mortgage Advisor will then begin to find you the best deal by searching through 1000s of mortgage products. When you are happy with our recommendation, we will then start looking at obtaining your mortgage agreed in principle.

Having your mortgage agreement in principle (AIP) with you can get you prepared for any point where you want to back up a potential offer that you would like to make on a certain property during your current mortgage journey in Derby.

Your Offer on a New Home Has Been Accepted

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When you have had an offer accepted on your new home in Derby, you now need to get back in touch with us to speak to your dedicated Mortgage Advisor which should be done ahead of your full mortgage application process. Our team are also able to help you with different types of property surveys and can recommend a conveyancing solicitor to you.

You Are Having Trouble with the Bank

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In the unfortunate case where the bank or building society has declined the mortgage application you made, this can be due to a number of reasons. It might be to do with your application not meeting their credit scoring criteria or the lender may not be willing to lend you the amount you require.

Whatever the reason might be for your application to have been declined, you may still benefit from getting in touch with a knowledgeable Mortgage Broker in Derby. Our team have access to a range of mortgage lenders who can offer specialist or niche products that benefit those who may have difficulty with a mortgage because of their credit history.

Again, these factors all depend on your individual circumstances and what your current credit file is showing. Our Mortgage Advisors in Derby has extensive knowledge and experience in working with these products and advise customer on what is the best deal that matches up their criteria.

Remember, the most common scenarios discussed above are the type of scenarios we regularly see customers are in when they reach out to us when they are looking to start moving home. Therefore, do not hesitate to get in contact to speak to a member of our team if your circumstance doesn’t apply as there is a likely chance we have dealt with a case similar to yours before. Contact us to book your free mortgage consultation.

Mortgage Guides & Derbymoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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