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Moving Home Mortgage Advice in Cardiff

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Moving Home Mortgage Advice in Cardiff

Planning your next move in Cardiff? Let our expert mortgage advisors help you navigate the home-buying process with ease. Taking the stress away.

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We take the stress away from moving home in Cardiff.

Some say that moving home is possibly one of the most stressful experiences you will have in life.

We hope that by enquiring with a mortgage advice in Cardiff and gaining their insight, support and help on your mortgage, will make the process a lot easier and less stressful for you.

One of the main reasons why many home movers deem the process to be such a stressful one, is due to the fact that you will be finding a buyer for your current home and finding a new place to buy for yourself.

A true lifeline though for home movers is that the paperwork and simultaneous completions will be a job for your conveyancing solicitors, saving you a job.

You do have to secure a purchase on a property still, as well as finding a buyer for your property that you’re looking to sell.

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Moving Home Mortgage Advice in Cardiff

Mortgages for people who are moving home in Cardiff.

If you are taking a look at your options for moving home in Cardiff, our fast & friendly team of mortgage broker in Cardiff will be here to ensure your mortgage process goes as smoothly as it possibly can.

We work hard to support our customers all throughout their mortgage journey, answering any mortgage questions they have along the way.

Our team can search through 1000s of mortgage products, in order to find the best mortgage deal for your personal and financial needs.

If you are in the market for moving home in Cardiff, then please book your free mortgage appointment today. A trusted member of our mortgage advice team in Cardiff will be on hand to help you in any way they can.

Can I move my current mortgage to a new property in Cardiff?

In Cardiff, the majority of mortgages are “portable,” which means you may transfer your existing mortgage in Cardiff to a new property, provided you meet the criteria.

If you must reapply for this transaction and your circumstances have changed, you may no longer qualify and will be subject to a new credit evaluation.

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Common FAQs for Moving Home in Cardiff

What are the costs when moving home in Cardiff?

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There are numerous expenses to consider when relocating in Cardiff, such as estate agent fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal costs, and fees from a mortgage broker in Cardiff.

What happens if I buy a property and want to move home in Cardiff?

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When you relocate, your legal representative will repay your existing mortgage in full from the proceeds of the sale of your property.

If your lender allows it, you will need to begin a new mortgage if you are purchasing a new property or “port” your current mortgage to your next property.

Can you pay a mortgage off early in Cardiff?

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You may pay off your Cardiff mortgage in full at any time, but you must also pay any early repayment fees that apply.

Most mortgage providers allow annual overpayments of 10% of your mortgage balance per year if you remain in your introductory, fixed, or discount period.

If you are on a standard variable rate, you can usually overpay as much as you want.

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Our Simple Mortgage Process

Free 30-Minute Home Movers Reviews

Step 1

By consulting with an experienced mortgage advisor in Cardiff, you can discuss your current situation and future goals.

During the free consultation, your mortgage advisor in Cardiff will gather information about your income and expenses to determine your maximum affordability.

We Can Search 1000s of Mortgage Deals

Step 2

A mortgage advisor in Cardiff will sift through thousands of mortgage products to find the one that suits you best.

We will help you obtain a mortgage agreement in principle, which can serve as useful support for any offers you intend to make.

Submit Your Mortgage Application

Step 3

After your offer has been accepted, your mortgage advisor in Cardiff will send your full mortgage application and evidential documents to the mortgage lender.

Throughout this process, a dedicated case manager will keep you updated until you receive your formal mortgage offer and complete your purchase or sale.

Protecting You and Your Mortgage

Step 4

Our services extend beyond finding you the most suitable mortgage deal; we will also offer relevant insurance recommendations to ensure the safety of you and your loved ones.

We will contact you when it's time to renew your mortgage to ensure you always have the best deal.

Reasons to Choose us

Free Mortgage Appointment

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Here at Cardiffmoneyman, we have a greatly experienced team who are well versed in helping customers to move along the property ladder. We tend to find that there often isn’t a situation we haven’t seen at least once before, during our many years of providing mortgage advice.

During your free mortgage appointment, we will take some primary information from you, in order to gain a better understanding of what you’re looking to do, how much you are able to borrow, and so on. Your mortgage advisor in Cardiff will then take a look through 1000s of mortgage deals, finding the right one for you and your circumstances.

1000s of Deals

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If you are quite happy to proceed with our mortgage recommendation, we will then look to obtain a mortgage agreement in principle on your behalf, as this will back up any offers you make.

Once you have found a new home in Cardiff and had your offer accepted, our team will work double-time to process your full mortgage application, ensuring you are kept up-to-date and informed all throughout.

Our Service

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Our service goes beyond just finding you the best mortgage, we are able to help you out with obtaining any conveyancing solicitor quotes or liaising with some third parties.

After you have had your mortgage recommendation, your mortgage and protection advisor will also make appropriate insurance recommendations, as these will help to protect you and your family from any unforeseen circumstances that could potentially harm the repayment of your mortgage, or the income of your family.

7 days a Week

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If you are considering your options moving home, you may benefit from getting in touch with a mortgage advisor in Cardiff. They will be able to advise on the best options to take, keeping with you from the start of your process, until completion and even beyond.

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

We Search 1000s of Moving Home Mortgages in Cardiff

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Common Moving Home Mortgage Scenarios

Moving Home Mortgages in Cardiff

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No matter if you are looking to move from your current home into Cardiff, or are a local resident already and looking for a new nearby home, we believe it is beneficial for you to speak to a mortgage broker in Cardiff.

Our team have a strong reputation and a lot of experience for helping customers with their mortgage when they move home.

Wondering What The Costs Are & How Much You Can Borrow

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We tend to find that most customers will get in touch with us quite early on in their mortgage journey, as they want answers to various questions before they jump in head first. This can be achieved by enquiring about our expert mortgage advice in Cardiff.

A lot of the time when we speak to these customers, they’re looking to understand roughly how much they could borrow, what interest rates these would be at and how much their monthly mortgage payments might be. In order to determine this, one of our trusted mortgage advisors in Cardiff will need to discuss your case further, as these figures will depend on different factors.

Need an Agreement in Principle?

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Once you have gotten through your Free Mortgage Appointment with one of our dedicated mortgage advisors, they will then take a search through 1000s of different mortgage deals in order to find you the best possible deal that is available to you and your personal & financial circumstances.

If you are content in proceeding with our mortgage recommendation, we can then look at the next step in progressing your mortgage and look to obtain for you an agreement in principle. Having this AIP will showcase that the lender has, in principle, agreed to loan you the required amount. This in turn, should work in your favour when making any offers to purchase a property.

Your Offer on a New Home Has Been Accepted

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If the offer you have made on a new property has been accepted, the next step is to get back in touch with your dedicated and trusted mortgage advisor in Cardiff, in order to get your full mortgage application process back on the road to success.

As a mortgage broker in Cardiff, we also have the ability to help by recommending types of property surveys and also any reliable conveyancing solicitors.

Having Trouble with the Bank

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There are a many different reasons as to why a Bank or Building Society may choose to decline your mortgage application. This can range from anything like failing to meet their strict credit scoring criteria, to simply not being eligible to borrow that amount.

Regardless of why you are declined, it will still be worth your time contacting a mortgage broker like Cardiffmoneyman, as this will allow you to have to option of exploring specialist mortgage lenders and their unique deals, that you otherwise wouldn’t get going direct, subject to meeting the criteria.

Book a Free Mortgage Appointment

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If you’re looking to reduce the stress of moving home in Cardiff and would like to benefit from expert mortgage advice in Cardiff, book your free mortgage appointment today, using our online booking form. You’ll get to speak with a trusted mortgage advisor in Cardiff who will review your case and do what they can to help make the mortgage process easier for you.

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Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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