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.
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.
The majority of mortgages in Bristol are “portable” so you can transfer your current mortgage in Bristol to a new property, subject to eligibility.
In the case where you need to reapply for this transaction and your situation has changed, there is a chance that you could not be eligible and will be subject to a new credit score.
There are lots of costs to take into account when moving home in Bristol. Generally, these costs will include estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees and fees from a mortgage broker in Bristol.
Your legal representative might fully repay your existing mortgage from the proceeds of the sale of the house, this happens when you move.
Paying off your mortgage in Bristol can be paid off in full whenever. You may have to pay an early repayment fee on top of this.
Generally, mortgage lenders will accept annual overpayments of 10% of your mortgage balance per year. This only applies if you remain in your introductory, fixed or discount period.
Those on a standard variable rate, will usually be able to overpay as much as they want.
Our Customers Love Us
5.00 Rating3 Reviews
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
1 year ago
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
1 year ago
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
3 years ago
Get in touch with a knowledgeable mortgage broker in Bristol who can look at your current situation will want to know what you are looking to achieve.
Within this free appointment, your dedicated mortgage advisor in Bristol will collect information on your income and expenditure to find out what your maximum affordability is.
When your mortgage advisor in Bristol has collected the information they need, it will then be their job to find you the most suitable deal by search through 1000’s of mortgage products.
As well as this, our team will get your mortgage agreement in principle sorted which can be a brilliant tool when it comes to the negotiating and offer making part of the process.
When you have had an offer accepted, your mortgage advisor in Bristol will submit your full mortgage application and evidential documents to the mortgage lender.
Throughout the process, your case manager will keep you updated through every step of the way up until you receive your formal mortgage offer and complete both your purchase and sale.
Our service goes beyond the mortgage. Along with finding you the best mortgage deal, we will provide you with insurance recommendations that suit your situation so you can keep you and your loved ones are protected.
At the time where your mortgage is due for renewal, our team will contact you to ensure that you are always on the best deal.
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.
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.
Our team friendly of Mortgage Advisors in Bristol are available 7 days a week and 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.
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.
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.
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.
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.