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Home Mover Mortgage Advisers in Buxton, Derbyshire UK

Ready for a fresh start? Mercian makes your move a breeze. We’re not just about mortgages – we’re about helping you settle into your new home with ease.

Let’s chat and explore how we can make your move stress-free and comfortable.

Home Mover Mortgage Advice

With Mercian, your move is a well-planned adventure. We navigate the process with you: timing the move just right, helping you budget wisely, updating your home insurance, and decluttering for a seamless transition. Trust our team to guide you with care and expertise.

Should I use a Mortgage Adviser?

Enlisting an independent mortgage adviser will not only source the best rate for you but also support you through the whole process of purchasing your home – a stretch too far for most banks. 

At Mercian, our expertise saves you time, stress, and potentially money. We have access to an extensive network of lending options beyond high-street banks, including lesser-known but valuable lenders. With so many choices at our fingertips, we find the best possible deals for you.

From paperwork to negotiations, we’re here to ensure a smooth journey to your dream home or investment.

How our advisers work:

We start with a chat at your convenience, gathering the basic information we need to kick off our journey.

Then, we dive into the marketplace, researching to present you with options tailored to your needs, and even giving you an idea of the maximum amount you could borrow if you’re not sure about the property.

As you find your dream home and your offer is accepted, we spring into action. We submit a thorough application to your chosen lender and recommend safeguarding you against life’s twists, covering mortgages, buildings, contents, and you – with buildings insurance being a must.

But our support doesn’t stop there. Mercian guides you through the next steps. From working with estate agents and solicitors to keeping you in the loop with mortgage lenders, we’re here every step of the way, ensuring you’re informed and confident until you finally hold the keys to your new home. Our team help you turn the unfamiliar into the unforgettable.

Home Mover FAQs

1. Can I transfer my current mortgage to the new property?

Some mortgages are portable, allowing you to move your mortgage to a new property. However, it’s important to check with your lender and understand any associated costs. 

2. How does moving affect my home insurance?

You’ll need to update your home insurance to cover the new property. This is a chance to review your coverage and make adjustments if needed.

3. What if there’s a gap between selling my current home and buying a new one?

If there’s a gap, you might need temporary accommodation. Speak with your insurance provider about options for covering your belongings during the transition.

4. Can I change my mortgage deal while moving?

Yes, you can switch mortgage deals while moving, but there might be fees involved. It’s a good time to explore better rates or terms that suit your new situation.

5. Should I use a mortgage broker when moving?

Mortgage brokers, like Mercian, can be incredibly helpful when moving. They can find you the best deals, navigate the process, and save you time and effort.

Securing a mortgage can often feel like a daunting process, especially when it is your first time. Our mortgage advisers work closely with you to understand your needs and support you in choosing the best solution that feels comfortable for you. Contact us to get started with one of our specialists.

Buy-to-let (BTL) is an ideal investment opportunity, with options to secure the property in your personal name or limited company. We work out the numbers for a 25% deposit and factor in the additional payable Stamp Duty and tax on any earnings in a full assessment to make sure you have everything in place for your next venture.

Is your mortgage rate about to expire, or already has expired? Are you looking for financial options to carry out home improvements? Our independent advisers fully review your current offering to ensure you stay on track for repaying your mortgage at the best possible rate.

Thinking about moving soon? Get prepared to take the next step when you feel ready. Speak to our team for guidance on the process and to receive a financial estimate of associated fees with moving. This example will include dealing with estate agents, solicitors, and mortgage lenders.

Bridging is a short-term solution often used when a financial turnaround is needed fast, such as for saving a collapsed chain or buying an uninhabitable property. The option is available to buyers and investors who meet certain criteria. Contact our team to discuss your requirements and find out whether bridging could be the best alternative for you.

Get in touch today

Let’s chat about making your move a breeze and blowing you away with our straight-talking service.