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

Regardless of if you are living in or around Nottingham, looking to live on the outskirts or move into the city, our team of dedicated and knowledgeable mortgage advisors have provided expert mortgage advice in Nottingham to lots of different customers, helping them to achieve their home owning dreams.

 

Here are some of the most commonly occuring home moving questions that we hear of from customers.

How Much You Can Borrow & The Costs

We find that lots of homeowners who get in touch with us early on into their mortgage process, want to benefit from expert mortgage advice. Their main question is usually how much are they able to borrow and what interest rates the might have. We also have a lot of customers wondering what their monthly repayments might be.

Need an Agreement in Principle

Once you have gone through your free initial mortgage appointment, your dedicated mortgage advisor will begin looking through 1000s of mortgage products, matching you up with criteria to make sure you have the best deal available to you for your circumstances. If you are okay to proceed with the deal that we recommend, we can then take a look at helping you to obtain your mortgage agreed in principle.

 

With your mortgage agreement in principle (AIP) to hand, you are then ready to carry on with the process, having back-up for any potential offers that you want to make on a property you see in Nottingham.

Your Offer on a New Home Has Been Accepted

If you have already had an offer accepted on the new home you’re looking to purchase in Nottingham, you are now in the right place to speak once again with your trusted mortgage advisor, as you begin the next part of your mortgage application process. We can also provide assistance with the various types of property surveys and make a conveyancing solicitor recommendation to you.

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.

What our customers say

Common mortgage
questions

Your free mortgage consultation with us will last around an hour. During this consultation, your dedicated Mortgage Advisor in Nottingham will get to learn a bit more about your personal and financial situation.


Once your consultation is finished, your Mortgage Advisor in Nottingham will go away and try and find you a perfect mortgage deal tailored to your circumstances. If you love the mortgage offer that they’ve picked out and want to continue, the next step is to submit your mortgage application!

Our mortgage process consists of multiple different steps:

1. Once you get in touch, we will have you carry out our Fact Find so that we can get a bigger picture of your mortgage situation.

2. You’ll undergo your free mortgage consultation, then your dedicated Mortgage Advisor in Nottingham will begin searching for mortgage deals that are tailored to your circumstances. If we find you an offer that you are happy to proceed with, we can get the ball rolling with your mortgage application.

3. We will perform a credit check on you in order to obtain an agreement in principle. Furthermore, we will get some evidential documents from you in order to back up your mortgage application.

4. We will submit your mortgage application and wait for a formal mortgage offer to be issued.

As a Mortgage Broker in Nottingham, we always advise applicants to obtain an Agreement in Principle before viewing properties. Firstly, you’ll need an Agreement in Principle to make an offer on a property. Secondly, having one in place could put you in a position to negotiate prices.

An Agreement in Principle typically lasts for 30-90 days. This timeframe may change depending on the lender that you are using.


If your Agreement in Principle expires, you can easily renew it by getting back in touch with your Mortgage Advisor in Nottingham or your lender.

It’s possible to obtain a second mortgage; as a Mortgage Broker in Nottingham, here are the most common reasons we see for people wanting a second mortgage:

– Debt consolidation
– Home Improvements
– Buy to Let
– Other, e.g. for a Family Member, Holiday Home, etc.

High street mortgage lenders will usually ask for a minimum of a 5% deposit. This percentage may be higher depending on if you’ve had previous bad credit issues.

If you’ve had bad credit issues in the past, you may find it a little harder to get a mortgage, but that isn’t saying you still can’t get one!

Lenders may ask for a slightly higher deposit if you’ve had bad credit in the past. Some lenders may ask for a deposit of around 10-15%.

If you are able to submit at least one year’s of accounts, the more likely you are of being able to obtain a mortgage. Most of the lenders that we use look at your salary plus dividend to calculate the maximum mortgage amount. Others may go off your net profit, it all depends on the 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.

Your free mortgage consultation in Nottingham will usually last around an hour. Following the consultation, we can turn around an Agreement in Principle for you within 24-hours. Now it’s just the case of submitting your mortgage application. A formal offer can take around three weeks on average to come back.

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.com & 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 www.register.fca.org.uk

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
www.financial-ombudsman.org.uk

© 2022 Nottinghammoneyman

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

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