Home Mover Mortgage Advice

Moving home mortgage

Craig Michaelson is a whole of market mortgage adviser working out of Abergele, Conwy. I can help home movers to find the most suitable mortgage product. I offer a free initial consultation with no obligation.

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Mortgage to move house

Are you looking to sell your property and buy a new home? There are many questions that you may have in this situation. You could be wondering how it affects your current mortgage, mortgage term or about early repayment charges. I can help by looking at your existing mortgage and mortgage term and the type of property that you want to buy. I will look at affordability and compare porting your mortgage to the new property against finding a completely new lender. Whether your purchase is straight forward or complex, I can give you the benefit of my knowledge and experience.

Home Moving Mortgage Porting

In this situation, I assist home movers in several ways. Most often, it is where a client is still within their fixed rate period and wishes to move house. In this situation, porting the existing mortgage may be possible, enabling you to avoid paying early repayment charges and move your existing loan to a new property. If you need to borrow more, I help with this as well. Porting a mortgage is treated in the same way as a new mortgage application by lenders. You will have to meet the lenders current criteria and affordability.

Move House-New Lender

sometimes porting your existing mortgage to a new property. This can be because the new property or the applicants fall outside of the current lenders criteria. This can be due to becoming self employed, having a reduced income or a property construction type being unacceptable. In this instance, I will find a new lender that matches your current circumstances and property scenario.

Adverse Credit Moving Home

Can I move home with poor credit? That is a common question I get asked. Defaults, CCJ’s and missed payments all impact your credit profile. If you moving home but have some credit issues. I can definitely help. I have a number of adverse credit lenders that I can approach. MOST importantly though, I can recognise the extent to which your credit will affect your ability to get a mortgage. It may be that we can approach a high street lender or a ‘near high street’ lender that can offer a competitive rate.

Whole of market mortgage broker

I’m Craig Michaelson, a whole-of-market mortgage and protection adviser based in Abergele, helping clients across Conwy, North Wales and the wider UK. I advise first-time buyers, home movers, remortgage clients, landlords, self-employed applicants, clients with adverse credit and business owners looking for residential, buy-to-let or commercial finance.

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Check out Craig Mortgage Adviser Google reviewsGoogle reviews for Craig Michaelson

As a First time buyer it was quite scary at first but Craig was great help. Working full time makes it difficult to get into contact with people within the working week, but not Craig! I rang Craig on Sunday after seeing a house I would like to buy, he talked me through the steps and what I would need to apply for a mortgage. By the Friday I was ready to apply for the mortgage, Craig talked me through what I would insurances etc and went the extra mile to have everything set up for me. This process wouldn’t have been so smooth without Craig. Top man who always puts the client first, I will be using Craig again. Thank you Craig

D Jones

First-Time Buyer

We had an exceptional experience working with Craig Michaelson throughout our mortgage process. From the very beginning, Craig was incredibly understanding, supportive, and always available to answer our questions.