Moving home? Need a mortgage?
Looking to move into a new home? Our mortgage advisors can help you every step of the way — from negotiations with lenders, to discussing agreements with solicitors and more.
Moving home can be stressful. With so many costs for aspects like estate agents fees, removal vehicles, solicitors fees and so much more, it’s easy to blow through your expected budget. Our mortgage advisors will reduce the complications involved in purchasing your new home, making your move easier and less stressful.
We have access to exclusive rates that you won’t find on the main markets, provide accurate advice on your potential mortgage options, and offer dedicated, personal services at all times. Your circumstances are unique to you, so our services match that.
‘Your home may be repossessed if you do not keep up repayments on your mortgage’
Why Choose Prestige Mortgage Solutions for Help When Moving?
Mortgage services built for you. Whatever your circumstances, we’ll help.
We can find exclusive mortgage rates on your new home.
We act as the go-between with lenders, solicitors and estate agents.
All our mortgage advisors provide accurate advice on every aspect of moving home.
No-obligation review of your circumstances.
We will need to discuss your current mortgage, what you owe and how much you need to borrow to obtain your new home i.e. the difference that is needed to add to any equity you may have. From your existing mortgage paperwork we will be able to see what debt is outstanding, how much interest you are currently being charged, when your current mortgage deal ends, early repayment charges that are owed and if the mortgage is portable (can be transferred to another property).
We will discuss what you can borrow, work through an income and expenditure analysis to produce a monthly repayment schedule and help build a budget for your mortgage.
We will work on your behalf. We work from a comprehensive panel which is representative of the whole of the market to find the right mortgage for you.
Decision in Principle
Once we know what you can afford to borrow we will apply for a decision in principle from the lender. This document simply outlines what a lender is likely to lend you before you buy a property. You will be in a strong position to offer on the property you want to purchase
When you find the property you want to purchase you make an offer. Your mortgage in principle will help you to get this deal organised quicker as you will be in an advanced position to continue once your negotiation on price has been agreed.
When you find the property you want and the offer has been accepted you will need to instruct a solicitor who will represent you for the various searches, legal documents etc needed for the sales process. We can introduce you to a solicitor for the conveyancing process.
We will complete the application with you and apply for the mortgage on your behalf, dealing with any requests or enquiries into your finances.
After the contracts are exchanged, a date will be agreed for the completion of your purchase. On completion day, the balance of the agreed purchase price will be sent to the sellers solicitor and your new home is now yours, you are now free to collect the keys and enjoy your new property.
New Home Mortgages
Our mortgage advisors look at your budget, circumstances and desired property to find a mortgage deal that works for you. With our expertise in mortgage agreements and with access to some of the lesser-known mortgage lenders, we have access to exclusive rates you won’t find anywhere else.
Not only that, but we’re happy to manage all the paperwork on your behalf, too. This makes the entire process less stressful and can also save you money on administration fees.
We’re also able to help you if you have a bad credit rating, low income, are middle-aged, or self-employed. We’re specialists at getting you a fair mortgage — regardless of your current circumstances.
If you’re in a position to move home without selling your previous home and would like to use it to pay for your next mortgage, you’ll need to readjust to a let-to-buy mortgage (also known as a Consent to Let).
These mortgages can be tricky to agree on and lenders will judge you on the worst case scenario for both properties. Without a careful approach, you can end up with a mortgage that isn’t as beneficial as you’d like.
Our mortgage advisors will compare all the different deals available to you to find the mortgage that not only helps you find your new home, but also helps you make the most of your previous one. We’ll manage all the necessary paperwork, negotiations with lenders, and break down the process of getting a let to buy mortgage into simple steps.
Discover the best mortgage rates from over 70 lenders
No matter what type of mortgage you are looking for, with access to an extensive list of lenders ranging from high street brands through to niche specialists catering for unique situations, we always ensure we get the right deal for you