Moving Home Mortgage Advice in Cardiff
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.
Here we have compiled a comprehensive guide to the various different situations we have encountered with people who are moving home in Cardiff:
Wondering What The Costs Are & How Much You Can Borrow
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?
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
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
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
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.
Looking To Move Home in Cardiff? We may be able to help.
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.
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.
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 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.