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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 8am – 10pm to answer all of your mortgage needs. Getting through to one of our Mortgage Advisors in Halifax will never be a problem.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.
  • We can offer face to face or over the telephone mortgage advice in Halifax.

 

Contact us to book your free moving home mortgage consultation.

What our customers say

Common mortgage
questions

Our free consultation typically lasts up to an hour or so. We can turn round an agreement in principle within 24 hours. A formal mortgage offer takes about three weeks on average.

As your mortgage broker in Halifax, we carry out a Fact Find to establish your personal needs before we recommend the most suitable mortgage for you. A credit check is then required for an Agreement in Principle. Once you have provided all the relevant documentation and a valuation of the property has been undertaken, a formal mortgage offer can be issued.

Your free mortgage consultation in Halifax will last around one hour. We will then recommend a mortgage for you with no obligation for you to proceed and you can decide whether or not you wish to proceed with the mortgage.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Halifax. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts for between 30 and 90 days depending on the Lender used. If your Agreement in Principle expires it can always be refreshed.

It may be possible to get a second mortgage on your home for things like debt consolidation or Home Improvements. It may also be possible to take out a mortgage on a second property if you’re wanting to use it for yourself, a family member, a holiday home or a Buy to Let.

The minimum deposit when purchasing a house in Halifax with High Street Lenders is typically 5%. This can be higher if you have had previous credit problems.

If you have had credit problems you can still get a mortgage but you may possibly be required to put down a higher deposit than usual, perhaps 15% of the property purchase price.

Once you have submitted at least one year’s accounts, you are able to get a mortgage. Most Lenders use your salary plus dividend to calculate the maximum mortgage, whereas others are known to go off your net profit.

It’s usually three payslips for an employee to prove income and the latest 2 years’ accounts for Self Employed. You will also need to produce 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.

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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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