Moving Home Mortgage Advice in Nottingham

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Taking the Stress Away From Moving Home in Nottingham

The act of moving home in Nottingham can be incredibly stressful. In-fact some have said that moving home can often be one of the most stressful experiences you will ever have. Luckily for you, a mortgage broker in Nottingham is here to work with you, reducing your stress levels and working hard to help you find mortgage success.


One of the biggest factors in this being considered such a stressful time, is having to find a new home and sell your current home at the same time.


Thankfully, the paperwork and simultaneous completions will be something that your conveyancing solicitor will take a look at. Even still, you be have to make sure you secure the new purchase and find a buyer for your current one.

A Fast & Friendly Mortgage Service

If you are wondering what your options are for moving home in Nottingham when you have a mortgage, our fast & friendly team will work hard to make that every step of the process goes smoothly and quickly. We’re here from early until late, every day of the week. This means that if you need help with your mortgage process, you can get in touch with us at a time that suits you.


Our amazing mortgage advisors in Nottingham can search through 1000s of mortgage products to find the best deal available for your circumstances. If you need mortgage advice in Nottingham for moving home, get in touch and we will see how we are able to help you.


All customers who get in touch will have access to a free no-obligation mortgage appointment. We can’t wait to help you begin the next chapter of your home owning journey.


How does it work?Get a quote nowMeet your advisor

We search 1000s of mortgage deals across a large number of lenders, including:

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Moving Home Mortgage Advice in Nottingham

Our team of skilled mortgage advisors in Nottingham have helped many customers move into their dream home. We take pride in our ability to help customers through the entire home buying process, from start to finish. Our mortgage advisors in Nottingham offer tailored solutions to suit the unique circumstances of each individual. We believe that the right advice can make all the difference in securing the best possible mortgage deal.


No matter what questions you have, our team of expert mortgage advisors in Nottingham is here to help. Contact us today to book your free mortgage appointment and get the answers you need to make informed decisions about your home buying journey.

How Much You Can Borrow & The Costs

When someone decides to buy a home, one of the most important factors to consider is the mortgage. In this context, getting mortgage advice in Nottingham from a qualified professional, such as a mortgage advisor, can be very valuable. That’s why many homeowners contact experts early in the mortgage process to get an idea of how much they can borrow and what interest rates they might be eligible for.


Mortgage advisors can help people understand the different types of mortgages available to them and guide them through the application process. They can also provide advice on the factors that can affect a borrower’s eligibility, such as credit score, income, and employment status.


One common question that homeowners ask is how much they can borrow. This depends on several factors, including the borrower’s income, expenses, and credit score. Your mortgage advisor in Nottingham can help determine your borrowing capacity based on these factors, as well as the current interest rates and the terms of the mortgage.


Another important concern for homeowners is the monthly repayments they will need to make on their mortgage. Advisors can help you calculate your monthly payments based on the amount you need to borrow, the interest rate, and the length of the mortgage term. This information can be very useful in helping people budget and plan for their future expenses.

Need an Agreement in Principle

After your free mortgage appointment, your appointed mortgage advisor in Nottingham will review thousands of mortgage products to find the best deal that matches your criteria and suits your circumstances. If you are satisfied with the recommended deal, we can assist you in obtaining a mortgage agreement in principle.


Having an AIP in hand, you can proceed with confidence in the home buying process, with the security of knowing you have a backup for any offers you may want to make on properties in Nottingham.

Your Offer on a New Home Has Been Accepted

Your next step is to prepare your mortgage application! Your trusted mortgage advisor in Nottingham will be your point of contact throughout this process, providing you with expert guidance and support. They will help you to complete your mortgage application and ensure that all necessary documentation is in order. You can rely on their expertise to ensure that everything is done efficiently and accurately.


Before you are accepted by your lender, you will have to arrange a property survey to carry out on the property that you are looking to buy. These surveys are important in assessing the condition of your new property and identifying any potential issues that may need to be addressed. Based on the findings, we can advise you on the best course of action and help you make informed decisions.


Furthermore, we can recommend a conveyancing solicitor to you. Conveyancing is the legal process of transferring ownership of a property from the seller to the buyer. A conveyancing solicitor can assist you with the legal aspects of the transaction, including reviewing contracts, conducting property searches, and handling the transfer of funds.


We are committed to providing you with a comprehensive and seamless service, helping you to navigate the complexities of the home-buying process with ease.

Having Trouble with the Bank

There are lots of reasons why your mortgage application may be declined by the bank or building society. This could be anything from failing to meet their credit scoring criteria, to the lender just flat out refusing to lend you the amount you need.


In any case, it is still beneficial to contact an experienced mortgage broker in Nottingham like us. This is because we work with a large panel of mortgage lenders who each can offer specialist or niche products, tailored to homeowners and home buyers who have a poor credit history.


Again, this will always depend on your personal circumstances and the current state of your credit file. Our dedicated and hard working mortgage advisors in Nottingham have lots of knowledge and experience in working with matching customers up to the mortgage lender criteria.


Book your free mortgage appointment today, to speak with a dedicated mortgage advisor in Nottingham. We’ll see how we are able to help with your mortgage.

Looking to Move Home in Nottingham? We may be able to help.

If you are curious of what your options may be for moving home in Nottingham, our dedicated team of mortgage advisors in Nottingham are here to discuss your case and provide any necessary support and guidance. They will work with you from the moment you get in touch, all the way until you get the keys to your new home.


Here at Nottinghammoneyman, we have a lot of experience with helping customers with their mortgage needs. We rarely come across a situation that we haven’t encountered at any point before. We have the knowledge and expertise to tackle complex cases!


As our customer, you will receive a free home movers’ review, with absolutely no obligation to proceed. As a part of your review, your advisor will take a look at your plan and make sure that it is affordable and that you are able to go forth as planned. We will take a look at your monthly payments and the max amount that you could borrow.


Once we have gathered initial information from you and made a note of what you’re looking to do, your trusted mortgage advisor in Nottingham will search through thousands of mortgage deals on your behalf.

Getting Your Mortgage Agreed in Principle

If you are happy with the mortgage deal recommendation we make, we will look to get your agreement in principle. We can typically get this done within 24 hours of your mortgage appointment. This helps to back up any offers you make for a new home.


Once you have found the home that you want to apply for in Nottingham and the seller of the property has accepted your offer, our team will be able to process your full mortgage application, ensuring you’re secure and taken care of all throughout.


In our eyes, it’s about more than just about finding you the best mortgage. We can also help with the different surveys that are available to you and can help you to get any quotes from conveyancing solicitors.


As well as recommending you the best mortgage deal, your advisor will also be able to recommend any suitable insurances to help cover you and your family with the mortgage payments, just in case something unforeseen were to happen.


We can’t wait to help! Book your free mortgage appointment today and we’ll be happy to help with your mortgage.

Reviews Stars4.95 Rating284 Reviews

Common mortgage

Our dedicated mortgage advisors in Nottingham will provide you with a free mortgage appointment that typically lasts around 30 mins.

During this appointment, we will gather information about your financial and personal situation.

Based on the information obtained during the consultation, your mortgage advisor in Nottingham will then search for the ideal mortgage deal tailored to your specific needs.

If you are satisfied with the mortgage offer presented by your mortgage advisor in Nottingham, the next step is to proceed with your mortgage application.

Our mortgage process is composed of several stages. Firstly, we will ask you to complete our Fact Find to provide us with a clear understanding of your mortgage needs and goals.

Next, you will have a free appointment with a mortgage advisor in Nottingham, who will begin searching for mortgage options that are tailored to your individual circumstances. If we find a suitable offer that meets your requirements, we can proceed with your mortgage application.

To obtain an agreement in principle, we will conduct a credit check on you and gather supporting documents to validate your mortgage application.

Once we have submitted your mortgage application, we will wait for a formal mortgage offer to be issued.

We highly recommend obtaining an agreement in principle before you start viewing properties if you’re planning to apply for a mortgage.

This is because an agreement in principle is usually required to make an offer on a property, and it can also help you negotiate prices.

As a mortgage broker in Nottingham, we can help you to obtain an agreement in principle from a mortgage lender, which demonstrates their willingness to grant you a mortgage based on your financial circumstances.

With an agreement in principle in place, you can have a better idea of what properties you can afford and approach the buying process with more confidence.

The validity period of an agreement in principle (AIP) typically ranges from 30 to 90 days, but this may vary depending on the specific mortgage lender.

In case your AIP expires before you find a suitable property, you can easily renew it by contacting your mortgage advisor in Nottingham or the mortgage lender.

As a mortgage broker in Nottingham, we often see customers seeking a second mortgage for various reasons. Some of the most common reasons include:

– Consolidating debt.
– Making home improvements.
– Investing in a buy to let property.
– Other reasons, such as purchasing a holiday home or helping a family member with a mortgage.

When applying for a mortgage in Nottingham with a high street lender, a minimum deposit of 5% is typically required. If you have a history of bad credit, this percentage may increase.

Obtaining a mortgage may be a bit more challenging if you have a history of bad credit, but it’s not impossible!

In such cases, some mortgage lenders may require a slightly larger deposit from you, typically around 10-15%.

Whilst this is the case, there may still be many options available to you, and as an experienced mortgage broker in Nottingham, we can help you find a mortgage lender that is willing to work with your situation.

Submitting at least one year’s worth of accounts increases your chances of getting approved for a mortgage.

The mortgage lenders we work with typically consider your salary plus dividend to determine the maximum mortgage amount.

Some lenders may base their calculations on your net profit. The criteria varies from lender to lender.

– Photo ID (Driving license, Passport, etc.).
– Proof of Address (Utility bills, tax bills, credit card statements, etc.).
– Latest 3 months’ payslips & Latest P60 (employed applicants)
– Latest 2 years’ tax calculations and corresponding overviews (self-employed applicants)
– 3 months’ bank statement proving the deposit being built-up with an explanation for any large credits.

Typically, your free mortgage appointment in Nottingham will take approximately 30 mins.

After the appointment, we can provide you with an agreement in principle, usually within 24 hours. Once you have decided to proceed, the next step is to submit your mortgage application.

On average, it takes about three weeks to receive a formal offer from the mortgage lender.

We make it so easy!
Our 4 step process

Step 1

A telephone call where we can take some initial details and find out about your plan of action.

Step 2

Enjoy finding a property!

Step 3

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Step 4

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

A telephone call where we can take some initial details and find out about your plan of action.

Enjoy finding a property!

Make an offer on the property you set your heart on – we’ll finalise your figures and help you to get a good deal.

Our mortgage recommendation. We’ll try to find you the best mortgage deal. We’ll be there to support you, right through to you getting your keys.

Handy quick links & Nottinghammoneyman 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

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Should you have cause to complain and you are not satisfied with our response to your complaint, you may be able to refer it
to the Financial Ombudsman Service, which can be contacted as follows

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

© 2023 Nottinghammoneyman

Nottinghammoneyman, Gothic House, Barker Gate, Lace Market, Nottingham, NG1 1JU.

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