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Moving Home Mortgage Advice in Cambridge

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We Take the Stress Away From Moving Home in Cambridge!

If you have never moved home or you haven’t moved in a while, buying and selling can seem frightening. That is without a professional Mortgage Advice Team on your side! We’re here to guide you throughout the whole Moving Home Process and whatever impediments we should meet along the way. We’re with you from your initial enquiry right through to your completion day.

 

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 Cambridge

People have gotten in touch to seek Mortgage Advice in Cambridge. They may be doing so for a number of reasons here are some common scenarios that our Mortgage Advisors have come across on a daily bases:

 

  • Already visited your Bank’s Mortgage Advisor and been declined? i.e. poor credit, income mix, the bank won’t lend enough, not fitting their strict lending criteria?
  • Would like a Mortgage Agreement in Principle Certificate to back-up any offers you are ready to make?
  • Is your current property on or soon to be ‘on the market’ and you want to know the maximum amount you can borrow and how much your repayments will be?
  • Had an offer accepted and ready for the next step to get going with your mortgage application?
  • You recently sold your house and are wanting to make an offer on a new property?
  • Do you have an unusual or complex mortgage situation and need help?

 

If you fall into any of these categories or even something else, contact us and we will do our best to help you.

Why choose Cambridgemoneyman as your Moving Home Mortgage Broker?

As an open & honest Mortgage Broker in Cambridge, we work alongside you throughout the process, without any outside involvement from Banks, Building Societies or Estate Agents. Our Mortgage Advisors in Cambridge have your best interests at heart, customers are the heart of our company and here are just a few reasons why new customers choose our service:

 

  • Free no obligation mortgage consultation for all customers.
  • We are not tied to any Estate Agents, Bank or Builders and have your sole interests at heart.
  • Our expert mortgage advisors are here 8am – 10pm to answer all of your mortgage needs. Getting through to an advisor will never be a problem.
  • We can search 1000’s of mortgages to find you the best deal for your circumstances.
  • We can offer face to face or over the telephone mortgage advice in Cambridge.

 

Get in touch and Contact us to book your free moving home mortgage consultation, our team will look forward to hearing from you. 

What our customers say

Common mortgage
questions

Your initial mortgage consultation will usually take around an hour. A Mortgage Advisor in Cambridge will then do some research and recommend a potential mortgage for you, which you can then choose to proceed with or decline – There is not any obligation!

As your dedicated Mortgage Broker in Cambridge, we will gather some information about you and your personal circumstances by carrying out a Fact Find. The next step would be looking to obtain an Agreement in Principle which can be granted after a credit check. Once your Mortgage Advisor in Cambridge has gathered all the appropriate information, and a valuation of the property has been undertaken, a formal mortgage offer can then be issued.

To avoid possible disappointment, we recommend you obtain an Agreement in Principle before you begin viewing properties in Cambridge. At the very latest you should obtain one prior to making an offer to assist your bargaining position.

An Agreement in Principle typically lasts around 30 to 90 days depending on the Lender you have gone with. If your Agreement in Principle expires, you can always get another one.

If you are interested in things such as debt consolidation or home improvements, then you may be eligible for a second mortgage. Second mortgages may also be relevant if you are hoping to use it for yourself, a family member, a holiday home, or a Buy to Let mortgage.

When buying a house in Cambridge, the deposit required with High Street Lenders is typically 5%. Depending on your past credit history, this percentage could be higher.

If you have a poor credit history you may still be able to obtain a mortgage, but this will often require a higher deposit than you would normally need, sometimes around 15% of the property purchase price.

You are able to progress with a possible mortgage whilst Self Employed in Cambridge once you have submitted at least one years’ account. Most lenders use your salary plus dividend to calculate what your maximum mortgage, could be. Other lenders may opt to go off your net profit.

For an employee to prove income you would need the last 3 payslips and if you are Self Employed you will need the last 2 years of accounts. You will also need to provide us with proof of ID, address, and 3 months’ bank statements.

Our free consultations in Cambridge normally take around 1 hour. A Mortgage Agreement in Principle can usually be sorted within 24 hours of the appointment. A formal mortgage offer takes about three weeks on average, depending on the situation.

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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.

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Cambridgemoneyman.com & Cambridgemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

© 2021 Cambridgemoneyman

Cambridgemoneyman, Nine Hills Road, Cambridge, CB2 1GE.

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