MOVING HOME
Whether you’re looking to port your existing mortgage or secure a new one, we understand the importance of finding a mortgage solution that fits your needs.
Moving home is an exciting yet often complex process, involving unique financial and logistical challenges. At Oundle and Stamford Mortgages, we provide the expertise and guidance to make your move as smooth as possible.
Finding the Right Mortgage
Choosing the best mortgage when moving home is critical to ensuring affordability and flexibility.
Here’s what we can help with:
Porting your existing mortgage:
Porting allows you to transfer your current mortgage to a new property without paying an early repayment charge, often retaining the same terms and conditions. Learn more about porting mortgages.
Securing a new mortgage:
If you need a new mortgage, we’ll compare deals to find one that suits your financial situation.
Minimising costs:
We’ll work with you to ensure you understand potential penalties or fees and help reduce your overall moving costs.
Associated Costs and Considerations
When moving home, it’s important to budget for all associated costs.
Legal Fees:
Fees for solicitors or conveyancers who manage the property transfer process.
Valuation Fees:
Costs for assessing the value of your new home.
Stamp Duty:
A tax you may need to pay depending on the property’s value and your circumstances.
Moving Expenses:
Removal vans, packing materials, and other costs related to the physical move.
Download our free moving checklist here.
Personalised Support
Every move is different, and that’s why we tailor our advice to your unique situation. From understanding your financial options to liaising with solicitors and estate agents, we’re here to support you every step of the way.
Additional Services
Moving home often involves more than just finding the right mortgage. We can also help you protect your new home with tailored insurance options:
Buildings and Contents Insurance:
Ensure your property and belongings are protected during and after your move.
Protection Policies:
Explore income protection, critical illness cover, and life insurance to safeguard your financial future.
faq
Moving Home
Yes, many mortgages are portable, but it depends on your lender and financial situation. We’ll help you determine if this is the best option.
Coordination is key. We’ll provide advice on managing the sale of your current home while securing your new property.
Your equity in the current property can often serve as a deposit for the new one, but we’ll help you assess this.
Ready to make your next move? Contact us today for expert advice tailored to home movers.
Oundle and Stamford Mortgage Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. You can find Stonebridge Mortgage Solutions Ltd on the FCA register by clicking here. Oundle and Stamford Mortgage Services Ltd is entered on the Financial Services Register under firm reference number 842633. Registered Office: Oundle and Stamford Mortgage Services Ltd., 2a New Street, Oundle, PE8 4EA. Registered Company Number: 11811100. Registered in England and Wales.
Please note: Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.