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Moving Home Mortgage Advice in Grimsby

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We Take the Stress Away From Moving Home!

Welcome to our Moving Home Mortgage Advice page from your local Mortgage Broker in Grimsby – Grimsbymoneyman. In Grimsby, we have lots of years of valuable experience within the mortgage world. We are really looking forward to sharing this knowledge with you as we go through the home moving process.

 

Open & Honest Mortgage Advice in Grimsby

We know that moving house can be hard and sometimes stressful but we are here to take all of that away. As an experienced Mortgage Broker in Grimsby, we know how to make the moving home process run as easily and as smoothly as possible, which is just how you want it.

 

We love it when we hear back from our customers, feel free to check out our fabulous online reviews to see what has been said about our excellent Mortgage Advice service in Grimsby.

 

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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Common Home Moving Scenarios

  • Are you interested in moving home within the next few months and are wanting an idea of how much you can borrow?
  • Are you wondering how much your new mortgage will cost?
  • Do you think you have found that perfect new home and want to make your first offer?
  • Has your offer been accepted, and you want to begin your mortgage application?
  • Are you currently viewing new houses and want to get a mortgage agreement in principle to back up any of your offers you make?
  • Are you thinking about renting your existing home to purchase a new one?
  • Have you been told that you are unable to borrow enough from your existing lender?
  • Have you got a different situation and need helpful mortgage advice from a friendly mortgage advice team?

 

Don’t worry if your situation isn’t listed above as here at Grimsbymoneyman, we deal with new challenges every day and would love to try and help get through yours. Delivering expert Moving Home Mortgage Advice in Grimsby is what we do best. We can’t wait to help you get moving into your new home!

 

Home-Movers Mortgage Review

As part of Our Home-Movers Mortgage Review, we can look at:

  • Working out your monthly budget based on your property price
  • Producing a Mortgage Agreement in Principle so that you can back up any offers you make with the Estate Agent
  • Completing your mortgage application through to getting you a mortgage offer
  • Explaining the different types of property surveys that are available to you
  • Recommending a local competitively priced Solicitor with high service standards (if required)
  • Running through your mortgage offer(s) to ensure that all your details are correct
  • Also recommending any associated insurances with your new mortgage (if required)

We Work For You

You may find that other Mortgage Brokers in Grimsby are tied to estate agents, however, we are not, we work solely for you! This makes your mortgage experience much more personalised and tailored to your individual situation.

 

Helping you Overcome Moving Home Mortgage Hurdles in Grimsby

We have encountered almost every single complex mortgage situation, we can help you get by these mortgage hurdles:

 

1. Type of property being purchased
2. Your income structure and employment type i.e. Self Employed
3. Buying off or with a family member
4. Buying undervalue
5. Bank declined or won’t lend enough
6. Buying off your landlord
7. Something else…

 

If this happens to be the case, it is important that you stop trying loads of different lenders without being 100% sure of their strict lending criteria. This could end up having a negative impact on your credit score and may lower your chances of getting a mortgage altogether.

 

With years of valuable experience within a local mortgage environment in Grimsby, we aim to deliver that amazing service with every customer. With the use of our in-depth mortgage knowledge, we can do our best to give your mortgage application to the most suitable mortgage lender based on your personal situation.

What our customers say

Common mortgage
questions

The free mortgage consultation will last approximately an hour. When your Mortgage Advisor in Grimsby has evaluated the situation, they will advise a mortgage for you with no obligation for you to begin the process. From this, you can decide if you want to proceed with us or not.

An agreement in principle usually lasts between 30 and 90 days but this can change depending on your lender. You can renew your agreement in principle if it expires.

Before you start viewing a property in Grimsby, we always suggest that you obtain an agreement in principle. If you want to be prepared ahead of time, you need to get one before making an offer.

The process of a trusted Mortgage Broker in Grimsby starts by conducting a fact find to support your needs before recommending a mortgage deal. When a Mortgage Advisor has evaluated your situation, they will carry out a credit check on you, this is needed for an agreement in principle. A formal mortgage offer can be provided when you have evidenced all of the relevant documentation and a valuation of the property has been completed.

You can get a second mortgage even if this is for debt consolidation or home improvements. You may have the choice to take out a second mortgage on a second property for your own use or a family member’s use, a holiday home or a Buy To Let.

The minimum deposit that you will need to buy a property with high street lenders is usually 5%. If you have previous credit problems, this percentage can be higher.

Due to having previous credit problems, it may be harder, however it isn’t impossible. To show you can afford a mortgage, you will need to put down a higher deposit, probably 10% or 15% of the purchase price.

If you are self employed, you can still get a mortgage however you must provide at least one years’ accounts. To calculate the maximum mortgage, the majority of lenders would use your salary + dividend, whilst other lenders could base it of your net profit.

If you are an employee, you will need to provide three payslips to prove your income. If you are self employed, you will have to prove for the latest 2 years’ accounts. Along with this, you must produce proof of ID, address and 3 months’ bank statements.

You will need to provide three payslips if you are an employee to prove your income, though you will have to provide the latest 2 years’ accounts if you are self employed. As well as this, you must provide a proof of ID, address and 3 months’ bank statements.

The process of our free consultation can last up to an hour and when it comes to an Agreement in Principle, we can have this ready for you within 24 hours. A formal mortgage offer has been known to take about three weeks on average.

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

Grimsbymoneyman.com & Grimsbymoneyman 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 Grimsbymoneyman

Grimsbymoneyman, 13 Dudley Street Business Hive, Grimsby DN31 1UL

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