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Moving Home Mortgage Advice in Doncaster

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Taking the Stress Away From Moving Home in Doncaster

It has been said by some that moving home can be one of the most stressful experiences that someone could.

 

It is our hope that by having a mortgage broker in Doncaster working alongside you, your stress levels will be greatly reduced.

 

One of the main reasons why moving home often perceived to be a rather stressful endeavour, is that you have to work on buying your new home and selling your old one at the same time.

 

A saving grace though is that the paperwork and simultaneous completions will fall into the hands of your conveyancing solicitor.

 

You will still have to secure a purchase on a property though, as well as someone to buy your property within that time frame.

 

Mortgage Advice for Home Movers in Doncaster

 

If you are looking at your options for moving home in Doncaster, our experienced team will be on hand to make sure that your home buying process goes as smooth as it possibly can.

 

We support our customers all throughout their mortgage journey, answering any questions that crop up along the way.

 

We have the ability to take a look through 1000s of mortgage products, in order to find the best one that matches your needs.

 

If you are looking to potentially move home in Doncaster, then please get in touch. We offer every customer a free no-obligation mortgage appointment, and our team can’t wait to help you!

 

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 Doncaster

Whether you are simply looking at relocating to Doncaster or live nearby already and are looking to move somewhere within the city, our reputable and experienced team of mortgage advisors have helped many customers achieve their goals when moving home.

 

Here we have collated some popular home moving scenarios that customers have brought to us over the years:

How Much You Can Borrow & The Costs

Lots of customers speak to us early on in their mortgage journey, looking to take advantage of expert mortgage advice in Doncaster.

 

We find that in these cases, our customers are looking to gather an rough estimate of the amount they would be able to borrow, the interest rates they would be at, and what their monthly repayments could be.

Need an Agreement in Principle

Once you have completed your Free Initial Mortgage Appointment, your dedicated advisor will then take the time to scan through 1000s of products, with an aim to find you the best deal they possibly can, based on your circumstances.

 

If you are happy to go ahead with our mortgage recommendation, we can then carry on your mortgage progression and help you obtain an agreement in principle. Having your AIP will ensure that you are prepared to back up any possible offers that you would like to make for a property in Doncaster.

Your Offer on a New Home Has Been Accepted

If you’ve had an offer accepted on your new property, it is now back to a trusted and hard working mortgage advisor in Doncaster to get your full mortgage application process underway.

 

We also have the ability to provide assistance with the types of property surveys and recommend to you a reliable conveyancing solicitor.

Having Trouble with the Bank

There are a lot of different reasons as to why your Bank or Building Society may not accept your mortgage application.

 

This could be from anything like not meeting their strict credit scoring criteria, to not being eligible to borrow the required amount.

 

No matter what the reason is that you end up being declined, you should still get in touch with a mortgage broker like Doncastermoneyman, so that you have the option of exploring specialist mortgage lenders and unique deals.

 

We have a vast range of mortgage lenders on panel, all of whom offer specialist and niche products that are tailored to people with a poor credit history. Our expert team have a lot of knowledge on the criteria for these mortgages.

 

Once again, this will always come down to your personal situation.

 

What we have mentioned here are the most popular reasons we find that customers reach out to us for mortgage advice they are moving home in Doncaster.

 

If nothing here matches your current scenario, please still get in touch with one of our mortgage advice team today.

 

Throughout our years in the industry, there is rarely a mortgage scenario that we haven’t come across at least once before.

Looking To Move Home in Doncaster? We may be able to help.

If you’re eyeing up your options of moving home, then our experienced team of mortgage advisors in Doncaster will be able to help you figure out which path you need to take. We’ll be by your side from initial contact, all the way through until the end.

 

Our trusted team here at Doncastermoneyman have a great deal of experience with helping customers find their footing once more on the property ladder and there is rarely a situation that they haven’t encountered over their years of service as a mortgage advice team with a strong reputation.

 

Every customer who gets in touch will receive a free no-obligation home movers’ review to begin with. As part of this review, we will take a look at your mortgage plans and see whether or not you are able to afford to keep it up, analysing your monthly payments and the maximum amount you might have access to.

 

Once we have taken some primary information from you and built up a picture of what you’re looking to do, your advisor will take a step back and search through 1000s of mortgage deals, looking for the best one to fit your needs.

 

If you are content in proceeding with our recommendation, we will then look at getting your mortgage agreed in principle, so that any offers you make are backed up

 

After this, when you have found your new home in Doncaster and the offer you have made has been accepted, our team will work to process your full application, taking care of you and your mortgage all the way through until it completes.

 

It’s about more than just finding you the best mortgage, we go above and beyond to help our customers arrange a survey to be undertaken on their property and help with obtaining any conveyancing solicitor quotes.

 

Following on from your mortgage recommendation, you’ll also receive appropriate insurance recommendations from your advisor, as these will protect you from any unforeseen circumstances that could affect your mortgage being paid.

 

We are loyal to the customer, forming zero partnerships with any estate agents, banks, or building societies. Our expert team are always on hand to help you achieve your moving home goals. We look forward to hearing from you soon!

What our customers say

Common mortgage
questions

Your free initial mortgage consultation in Doncaster will last roughly one hour. We will then be on our way to recommending a mortgage for you, where you have no obligation for you to proceed. If you’d rather not take it and step back for a time, you have every right to do so.

Your mortgage advisor in Doncaster will carry out a Fact Find to establish your personal mortgage needs, before recommending the most suitable mortgage for your situation. A credit check will then be required in order for you to obtain an Agreement in Principle, which we are able to help with. Once you have provided the lener with all the relevant documentation, and you have had a valuation of the property completed, a formal mortgage offer can then be issued.

To avoid finding yourself disappointed when viewing and making offers on properties, we recommend you obtain an Agreement in Principle ahead of time. At the very latest, we recommend that you obtain one prior to making an offer, as this will assist your bargaining position.

An Agreement in Principle will usually last for between 30 and 90 days depending on the Lender that you are with. If your Agreement in Principle expires, you can easily have it refreshed.

You may have the option of taking out a second mortgage on your home for things like debt consolidation or any potential Home Improvements. It may also be possible to take out a mortgage on a second property to use on yourself, for a family member, a holiday home or even a Buy to Let.

The minimum deposit a lender will require when purchasing a house in Doncaster is around 5%. This figure can possibly be higher if you have had previous credit problems, but entirely depends on the lender.

If you’ve had credit problems previously, you may still have a chance at getting a mortgage, but you may possibly be required to put down a higher deposit than for the property than you might have if you had with good credit. This can often be 15% of the property purchase price.

You are able to get a mortgage, once you have submitted at least one year’s accounts. The majority of Lenders use your salary plus dividend to calculate the maximum mortgage amount you can borrow, whereas others will go off your net profit.

You’ll generally be required to send three payslips if you are a standard employee to prove income and the latest 2 years’ accounts for self-employed. You will also need to produce proof of ID, proof of address and the previous 3 months’ bank statements.

The free mortgage consultation that you receive when getting in touch, will typically last up to an hour. We can help you obtain an agreement in principle within 24 hours of this consultation, with a formal mortgage offer taking on average about three weeks.

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

Doncastermoneyman.com & Doncastermoneyman 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 Doncastermoneyman

Doncastermoneyman, 3 Cavendish Court, South Parade, Doncaster, DN1 2DJ.

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