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Moving Home Mortgage Advice in Bristol

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We Take the Stress Away From Moving Home in Bristol!

From our personal experience, moving home is one of the most stressful events that we will go through in life, especially if you are planning on selling and purchasing at the same time. Having an expert Mortgage Broker in Bristol by your side, we can help take the stress away. 

 

Our job is to be here to support you throughout the whole process, answering any questions you may have. We will talk you through the process, and our Mortgage Advisors in Bristol will always be at the other end of the phone when you need us. 

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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Common Moving Home Scenarios in Bristol

We have helped many Home Movers in Bristol take that next step on the property ladder. Below are some of the more popular home moving scenarios that we have helped assist customers with: 

 

  • Would you like to know how much you can borrow and what your monthly costs would be, ahead of viewing properties? 
  • What happens to your current mortgage? We will explain all your options here for you so you can compare which is the best way forward. 
  • Already sold your property subject to contract, and had an offer accepted on your onward purchase? Brilliant, leave the rest to us, your mortgage is in safe hands. 
  • Need to obtain a mortgage Agreement in Principle, so you are ready to start making offers? 
  • Are you having problems? Been to see your Bank’s Mortgage Advisor and were turned away? Do you have a poor credit score, an income mix, the Bank will not lend you enough, or do not fit their criteria? 

 

These are just a few examples of why people may choose to contact us to assist in helping you move home. If there is something we missed, contact us today to book your free mortgage consultation in Bristol, and we will look forward to hearing from you. 

Why customers have chosen Bristolmoneyman as their Mortgage Broker 

Our Mortgage Advisors in Bristol are very experienced with helping customers taking the next step on the property ladder.  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 the 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 are able to proceed with your mortgage application, taking care of everything right through until completion. 

 

We are also able to help with:

  • Discussing the different types of property survey that are available to you.
  • Help obtain many Conveyancing Solicitor quotes.
  • Advise on appropriate associated insurances that are available.

Contact us today to book your free mortgage consultation in Bristol, and well looking forward to hearing from you 

What our customers say

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 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 Bristolmoneyman

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

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