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Home Movers

Are you looking to move to your next property?

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Are you looking to move to your next property?

Whether it be upsize, downsize or just because you fancy a change…. We can help. There are lots of mortgage options when looking to move to your next home and we can help!

Terms. Loan to Value (LTV) and Fixed and Variable rates. Moving home again may be daunting but it needn’t be with our help. Let us translate the technical talk so you can decide what you need before you call us.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

What do we mean by mortgage?

Simply speaking, a mortgage is a loan to buy a property. It’s a loan that can typically last between 25 – 30 years (although 35-year mortgages are available) depending on your circumstances. And it’s a loan ‘secured’ against the value of the property…so if you fail to repay your monthly payments your home may be repossessed.

How much you can borrow will depend on your income, your outgoings and what you can afford to pay back to your lender each month.

For home movers there are many different types of ‘repayment’ mortgages on the market. If you are still in a fixed rate mortgage you may even consider porting that mortgage onto a new property.

Now let’s consider rates. It’s not just the percentage rate you need to think about, it’s also the Loan to Value (LTV). This is simply the ratio of equity you own in the property. For example, if you have a 10% deposit would be 90% LTV.

You could choose from a Fixed Rate, Variable Rate, Base Rate Tracker or Offset Mortgage.

Mortgage types explained

Mortgage Calculator

The figures provided by this calculator it is for illustrative purposes and actual figures would depend on your situation and circumstances, which we would be happy to discuss.

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    to discuss it through. Many thanks!