Home Mover Mortgages - Expert Mortgage Advice
Home Mover Mortgages Covering Manchester & Liverpool
Home Mover Mortgages
Improve or move? Decide with confidence.
Bell Financial Solutions have helped hundreds of people with home mover mortgages in Altrincham, Manchester, and Liverpool!
You need more space, another bedroom or that home office you’ve always dreamed of. So, should you extend or buy a bigger place? Perhaps your circumstances have changed and you need a smaller property. Or you’re ready to downsize and free up some cash for your pension.
No matter your situation, we’ve got the expertise to help you balance affordability, equity and your income to secure the right mortgage when moving house. One that will secure your future by helping you extend, remodel or get a new place.
Creative Mortgage Solutions
When you’re ready to move on to the next stage of your life you don’t want irritating lending criteria to get in your way. Our expert mortgage advice will help you clear a route to the best solution for you.
We’ll start by listening to all the options you’re considering - like porting your mortgage or opting for an extension over a move. And we’ll suggest some alternatives you might not have thought possible. Then we’ll come back with the information you need, such as how much you can borrow, early exit fees or penalties, to help you narrow down your options.
Our Pay On Completion Guarantee
With your next step confirmed we'll get the ball rolling on your mortgage application. We deal with everyone involved in the transaction on your behalf so you won’t have to speak to anyone except your Bell Financial Solutions mortgage adviser.
As an impartial adviser in Manchester & Liverpool, we’re here to serve your interests. We have a Wide range of products from High Street Lenders and specialist products not available direct. You won’t have anything to pay until your sale completes or your new mortgage starts. And, if you change your mind and pull out at the last minute, you won’t pay a pound.
We cover the following areas for home mover mortgages; Manchester, Liverpool, Altrincham, Urmston, Wilmslow, Sale, Stockport, and the surrounding areas.
Still have questions?
What happens to my mortgage when I move?
You have a couple of options when moving house in regards to your mortgage. You can firstly look at ‘porting’ which is essentially taking your current mortgage product from one house to the other. This is popular if your new house is a similar price as your previous one because as there is no change in the terms of the original mortgage deal. And yes, you guessed it, the other is to take a new mortgage on the new property after repaying the current mortgage on your current property which could mean you are subject to early repayment charges if you are still within a product period.
Am I too old to get a mortgage?
The probable answer is no because the age in which most lenders won’t consider you for a mortgage is 75 and over. This is because they’d expect for you to have paid off your mortgage by the time you retire- so in short, if you are still working you should still be able to get a mortgage. When you apply for a mortgage, the banks and lenders will consider a series of things including your age, how long your mortgage would be and how much you’re seeking. For a more accurate answer you should speak to us with all your details.
Can a parent be a guarantor on my mortgage?
Yes, they certainly can. Certain lenders offer different products to allow parents to help children with a mortgage or to act as a guarantor. There are other types of mortgage that allow borrowers onto a mortgage but not necessarily onto the deeds- these type of mortgages are called ‘Joint Borrower, Sole Proprietor’ mortgages.
Can I get a mortgage now that I'm divorced?
Yes, yes you can. Mortgages are based on your personal ability to afford the repayments so depending on the property you were going for and your income as well as some other factors, being divorced shouldn’t stop you from getting a mortgage. The best thing to do, would be to get in touch with us to discuss your circumstances.
Why choose Bell Financial Solutions?
We would love to work with you on your mortgage solution because it’s truly a joy to see people get their mortgage over the line. We are an established company with lots of experience and our knowledge of the industry is second to none. We work across several different types of mortgages too so we are confident we will have the perfect solution for you.
How do I contact you to ask more questions?
You can contact us in a variety of ways, simply choose the one that is most convenient for you. You can call on 0161 791 4757, you can use the contact form on our website or you can send us a message on Facebook or Instagram and other major social media channels. We have a comms team working hard to answer all your enquiries as quickly as they can. We hope to hear from you soon here at Bell Financial Solutions.
We’re all ears.
Let’s have a chat about what you need and how we can help.
