Moving Home Mortgages | Your Mortgage Broker in Bristol

Moving Home Mortgage Advice in Bristol

Appointments Available on Evenings and Weekends

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We Take the Stress Away From Moving Home in Bristol!

Moving home can be renowned for being one of the most stressful experiences you will encounter in your life. As a Mortgage Broker in Bristol, we understand this which is why we aim in taking as much of the stress away from the process.

 

The stress normally accumulates from having to balance both the purchasing process and the selling process in order for both to be completed at the same time.

 

The good news is that the paperwork and concurrent completions will be the job of the conveyancing solicitors. It will be your responsibility to secure the current ongoing purchase and find a buyer for the property that you’re selling, within that time.

Providing fast & friendly Mortgage Advice

Our team have lots of experience in helping customers who are looking to begin the journey of Moving Home in Bristol by ensuring that the process goes as smooth and straightforward as possible. We are available from early until late, 7 days a week to answer any of your mortgage questions and support you throughout your mortgage journey.

 

With a large panel of lenders to hand, we can search through 1000s of mortgage deals to find you the one suitable for your financial state. Get in touch with our friendly team to see how we can help you to your moving home journey through open and honest Mortgage Advice in Bristol.

All our customers are offered a free no-obligation mortgage appointment. We can’t wait to help you begin your journey of Moving Home in Bristol.

 

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 Bristol

If you are currently living outside of the Bristol area and are thinking of relocating or are currently living in the area and looking to move within the city, our mortgage advisors have provided Mortgage Advice in Bristol to a number of customers, supporting them towards their home owning goals.

 

Below are some of the most common mortgage scenarios our team regularly comes across when speaking to customers:

 

How Much You Can Borrow & The Costs

Through our experience, we have found that lots of customers get in touch with us early on in the process of seeking Mortgage Advice in Bristol. The reason for this is usually because they are wanting a rough idea of how much they will be able to borrow, the interest rates at which this amount would be, and how much their monthly repayments could be.

Need an Agreement in Principle

When you have attended your Free Mortgage Appointment, it’s then time for your dedicated mortgage advisor to search through 1000’s mortgage deals to find you the one that is fitting for your mortgage situation. As soon as you agree with our recommendation, we can then proceed by getting your mortgage agreement in principle sorted.

Your Offer on a New Home Has Been Accepted

You might have already had an offer accepted on your new home in Bristol, it’s now time to begin your full mortgage application process. For this, you will need to go back and speak to your mortgage advisor to begin this. Our team can also support you with different types of property surveys and suggest a trusted conveyancing solicitor to you.

Having Trouble with the Bank

If you have approached a bank or building society and been declined, this could be due to a variety of reasons. You might have not met their credit scoring criteria, or the lender simply not being willing to lend you the amount you require.

 

Whatever the reason might be for declining, it’s still best that you approach an experienced Mortgage Broker in Bristol like ourselves. Here at Bristolmoneyman, we work with a large panel of mortgage lenders who can offer specialist or niche products, fitting for those who may struggle with a mortgage due to their credit history.

 

This will come down to your financial and personal circumstances and what is presented on your current credit file. Our team of Mortgage Advisors in Bristol have vast knowledge and has helped many customers by matching them up with the most appropriate mortgage product for their circumstances

 

Remember, the reasons above are the ones our team regularly encounters when customers get in touch with us when looking to start their moving home journey. With this in mind, please don’t hesitate to get in contact even if you feel your situation doesn’t relate to any of the above. You might find that we have encountered your situation numerous times before and would be more than happy to help you with this.

Why customers have chosen Bristolmoneyman as their Mortgage Broker 

Our team of expert and friendly team of Mortgage Advisors in Bristol will be able to talk you through the process and help you on your moving home journey. From your first point of contact to the very end of the journey, we will provide a helping hand and answer any of your questions you may have on the way.

 

Here at Bristolmoneyman, we have an experienced team available to provide you with the support you need to get you on the property ladder. Our experience has exposed to many varying situations so it’s rare that we encounter a situation we haven’t before. We also provide specialist advice to those with complex cases.

 

All our customers will be offered a free home movers’ review. Within this review, our team will look at your mortgage goals to see if this is the appropriate route to take. As well to this, we will look at your monthly payments and the maximum amount you want to be able to borrow.

 

When we have got some initial information off you and had an idea of what your mortgage goals are, within your free home movers review, your designated Mortgage Advisor in Bristol will then use the information to search through thousands of different mortgage deals. Here, they will be able to find you the product that benefits your financial circumstances.

 

Getting Your Mortgage Agreed in Principle

As soon as you are happy to proceed with the recommendation, our team will then look to get your mortgage agreement in principle sorted. We will be able to get this sorted for you typically within 24 hours of your initial appointment. Having this in hand will provide further support for you when you would like to make an offer on a property.

 

 

When you have found your new home in Bristol and the seller of the property has accepted the offer you have made, we will be able to help you go forward of getting your full mortgage application sorted. As mentioned, we will support you until completion.

 

 

We believe the process is more than finding you a mortgage. We always go the extra mile by helping you with the different surveys available and help you with conveyancing solicitor quotes.

 

 

Along with advising the most appropriate mortgage for you, your advisor will also suggest suitable insurances to help you over the remaining mortgage payments if something unfortunate happens. We are here to help you achieve your mortgage goals! We look forward to hearing from you.

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Common mortgage
questions

Typically, our free consultation will last up to an hour or so. Our team can turn around an agreement in principle within 24 hours of speaking to an advisor. A formal mortgage offer can take around three weeks on average.

It’s typically three payslips for an employee to prove their income and the latest 2 years’ accounts for a Self Employed applicant. You will also need to provide the lender with proof of ID, address, and 3 months’ bank statements.

Once you have submitted a minimum one year’s accounts, you can get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas some other lenders are known to go off your net profit.

Even if you have had credit problems, you may still be able to get a mortgage, though you may be required to put down a higher deposit than you otherwise would’ve, often 15% of the property purchase price.

The minimum deposit for buying a house in Bristol with High Street Lenders is around 5%. This can be higher if you have had previous credit problems.

You may find that it is possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. If you are looking to take out a mortgage on a second property, either to use it for yourself, a family member, a holiday home, or a Buy to Let, this may also be possible.

An Agreement in Principle will usually last between 30 and 90 days, depending on the lender you go with. If your Agreement in Principle expires, you can always have it refreshed.

To avoid being disappointed if an offer falls through, we recommend that home buyers obtain an Agreement in Principle before you begin viewing properties in Bristol. At the very latest you should obtain an AIP prior to making an offer to assist your bargaining position with a seller.

As a trusted and hard-working mortgage broker in Bristol, we will carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for your situation. A credit check will be required for an Agreement in Principle. Once you have given the lender all the relevant documentation and a valuation of the property has been completed, a formal mortgage offer can be issued.

Your free mortgage consultation with a trusted member of our mortgage advice team in Bristol will last around one hour. From there, your advisor will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether you wish to take it or step back.

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.

Handy quick links

Bristolmoneyman.com & Bristolmoneyman 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 www.register.fca.org.uk

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
www.financial-ombudsman.org.uk

© 2022 Bristolmoneyman

Bristolmoneyman, St. Brandon's House, 29 Great George St, Bristol, BS1 5QT.

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