Let’s Find The Right Moving Home Mortgage For You
We search whole of market to offer our customers the best Moving Home Mortgage deals and rates
If you are moving home we have an expert mortgage adviser who will find the best deal for you. At Amber Mortgage Solutions we have a highly skilled, highly qualified team of mortgage brokers, who can make your home mover mortgage application a breeze, and find you the right mortgage for you.
We will offer you whole of market independent advice on the best mortgage option for you, following an in depth consultation to ensure we fully understand your mortgage needs.
Call us on 01702 619 221 and we will put you in touch with one of our locally based mortgage advisers who will guide you from the initial fact finding questionnaire through to completion answering any questions you have along the way.
We’ll concentrate on helping you compare Moving Home mortgage rates with the following in mind:
- Fixed, tracker, discount and variable rate mortgages
- Repayment and interest only mortgages
- Free survey and cash back deals
- Early repayment charges
How We Work
- To start with please either call us or complete the above application form.
- One of our home mover mortgage consultants will be in touch with you to discuss your application.
- After we have your details, we will search the market for the best schemes to suit you.
- We will then talk you through the details of your mortgage.
- 100% Secure, Confidential and hassle free.
Our superb team will evaluate your needs and reduce the stress associated with moving home. Helping to make the moving process run smoother.
We also help with:
Can I transfer my existing mortgage? Do I need to arrange a new mortgage? Do I have to pay any fees?
These are all questions we can help answer.
Can I transfer my existing mortgage?
Usually, you should be able to transfer your existing mortgage over to your new home. If you can transfer your mortgage you must be aware that a transfer fee may be payable. Your mortgage provider will able to confirm if this applies to your case.
However, the option to transfer is not guaranteed and will be dependent on your mortgage advisor. Some mortgage providers are not willing to transfer your existing mortgage and will request that you apply for a whole new mortgage. An example of why this may happen is if your new property is more expensive and you therefore may need extra money to secure it. In this scenario, your provider may wish to assess your situation as a new agreement.
Do I need to arrange a new mortgage?
If you can’t transfer your mortgage, it’s a good opportunity to look for a new one – Amber Mortgage Solutions can help you find a new mortgage, hopefully with a better rate.
When deciding on your new mortgage, the main thing to consider is whether you want a fixed or variable rate.
Fixed Rates – Does exactly what it says, these rates will remain the same regardless of how the base rate changes.
Base Rate Tracker – These rates are variable and are directly impacted by the base rate; if it falls, then so will your monthly repayments. Likewise, if the base rate was to rise, again so would your repayments. Sometimes, a tracker rate will come with a minimum rate – or ‘floor’ rate – so check for details of this in your mortgage terms and conditions. The current Bank of England base rate is 0.75%.
Standard Variable Rate (SVR) – With an SVR, even if the base rate were to move, lenders are not required to change their rates.
Contact us today to discuss your options in more detail.
Do I have to pay any fees?
Whether you are transferring your existing mortgage or applying for a new mortgage you may incur fees.
When you leave an existing mortgage deal or take out a new one, there may be fees to pay, such as exit or arrangement fees.
Your mortgage provider will be able to advise if there are any fees to pay..
Looking to move home but concerned about your bad credit history?
Mortgages can be daunting at the best of times, and borrowers with limited experience may not be sure how to get a mortgage with bad credit which is also known as an Adverse Credit Mortgage. When looking online mortgage searches often return results for grade A credit scores and showing mortgages that you won’t probably qualify for.
What credit issues are acceptable for mortgages:
Mortgages can be arranged for people with poor credit in the following situations:
- No credit history
- Low credit score
- Late payments
- Missed mortgage payments
- Debt management Schemes