HOME MOVERS
Moving home is an exciting new chapter—but it can also come with added financial considerations. Our experienced mortgage advisors are here to make the process smooth and stress-free, helping you find the right mortgage for your next move. Whether you’re upsizing, downsizing, or relocating, we’ll guide you every step of the way with clear, expert advice.
"McGirls Money Management gets you ‘match ready’ for moving"
Selling one property and buying another can be nerve-wracking because there’s so many different components in play. Your McGirls Money Management mortgage adviser will guide you through the process step-by-step and consider your mortgage options. Even if you’ve been through the process before, it’s worth checking as the lending criteria can change.
Knowing all the costs involved in moving house allows you to budget for each different stage of the process. Your mortgage adviser will take you through the different expenses and explain when payment is due for each of them. These include survey fees, insurance, protection costs, Energy Performance Certificate, and lender charges.
The key stages in moving are the exchange of contracts and completion. These are managed by a solicitor who is engaged at the start of the process. Alongside your mortgage adviser, your solicitor offers invaluable support when buying or selling your house. Especially if you are dealing with a ‘chain’ of buyers and sellers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON
YOUR MORTGAGE
YOUR MORTGAGE APPLICATION
Once your house is sold, and you have found the property you want to buy, your McGirls Money Management mortgage adviser will submit a full application to your chosen mortgage lender. This will include details of the property you want to buy, and the name of your solicitor.
A mortgage offer is only made once the mortgage lender has reviewed your application and carried out checks required by their lending criteria. Once these are completed and a valuation of the property has been completed, the mortgage offer will sent to you, your solicitor, and your mortgage adviser.
Remember – your McGirls Money Management mortgage adviser will be guiding and supporting you through every phase of the journey. You’ll have the benefit of their experience and expertise, throughout.