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Moving Home Mortgage Advice in Halifax

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We Take the Stress Away From Moving Home in Halifax!

It has been said that moving house is the third most stressful experience you will go through in life, especially if you are selling your property and trying to complete your new purchase at the same time, you can easily get caught up in the moment – we don’t want our customers to say this about their experience when moving home in Halifax.

 

As your Mortgage Broker in Halifax, we feel that it is our job to take some of this stress away so that you look forward to it rather than stress about it. If you haven’t moved house for a while the mortgage market may have significantly changed but this is where we can help.

 

It is advisable that you see a Mortgage Broker in Halifax like us, prior to making an offer on a property to get a good idea of how much you can borrow and afford to repay for peace of mind. We will help you with the process every step of the way through to completion so that you’re left with nothing but the feeling of relaxation in your brand new home.

 

Whether you are porting your existing mortgage or applying for a new one, you can rest assured that you are in safe hands with 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 Halifax

We regularly have customers seeking Mortgage Advice in Halifax, here are some of the reasons for doing so:

 

  • You would like to find out how much your monthly payments would be and what is the maximum you can borrow?
  • You would like to port your existing mortgage to a new property.
  • You’ve had an offer accepted and would like to start your mortgage application process.
  • You would like to look at the costs of switching your current mortgage to a buy-to-let and making a new residential purchase.
  • You’ve been to your high street bank, however, have been unsuccessful in obtaining a mortgage and need an expert mortgage advisor in Halifax.

 

If you fall into any of these categories or even something else, we will do all we can to help.

Why choose Halifaxmoneyman as your Moving Home Mortgage Broker?

As an open & honest Mortgage Broker in Halifax, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our Mortgage Advisors in Halifax have your best interests at heart and will do all we can to support you through your moving home journey.

 

  • Free no-obligation mortgage consultation for all customers.
  • We are not tied to any Estate Agents, Bank or Builders and have your sole interests at heart.
  • Our expert mortgage advisors are here all throughout the week to answer all of your mortgage needs.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Our free consultation will most likely last around an hour. A dedicated mortgage advisor in Halifax can turn round an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking about three weeks on average.

A dedicated mortgage advisor in Halifax will carry out a Fact Find to work out what your personal needs are prior to recommending the most suitable mortgage for you. In order to get an Agreement in Principle, you’ll be required to have a credit check. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, you can be formally issued a mortgage offer.

Your free mortgage consultation in Halifax with an advisor will last for roughly around one hour. Once this has been undertaken, they will then recommend a mortgage for you. You’re under no obligation to accept this and have the freedom to walk away still, should you feel that’s the better option.

To avoid being disappointed down the line, we suggest that you obtain an Agreement in Principle prior to property viewings in Halifax. You should obtain one no later than the point before you start making an offer in order to assist your bargaining position.

An Agreement in Principle will most likely last between 30 and 90 days depending on who you take one out with. If your Agreement in Principle expires, come back to us and we’ll get this refreshed for you.

If you are looking at some future financial planning or home renovation like debt consolidation or Home Improvements, you may be eligible for a second mortgage. It can be possible to take out a mortgage on a second property for your own use, for a family member, for a holiday home or even for a Buy to Let.

The minimum deposit required for a home buyer purchasing a house in Halifax with a High Street Lender is generally 5%. If you have had credit problems in the past, this may be higher.

If you have had a recent history of credit problems a mortgage may still be within reach, though you may possibly be required to put down a higher deposit than usual. We find that this figure is commonly around 15% of the property purchase price.

Once you have submitted at least one year’s accounts to the mortgage lender, you are eligible to get a mortgage. Most Lenders will use a calculation of your salary plus your dividend to determine the maximum mortgage amount you can take out, whereas others may go off your net profit.

It will typically be the last three payslips for employees to prove their income to the lender and the latest 2 years’ accounts if you’re a Self-Employed applicant. You will also need to provide your mortgage lender with some proof of ID, address and 3 months’ bank statements.

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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.

Handy quick links

Halifaxmoneyman.com & Halifaxmoneyman 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.

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