Are you looking to move?
Our Services
At My Mortgage Expert, we believe your journey should be one of simplicity, choice, and expertise.
Whether you are selling for the first time or are an experienced home-mover, we offer a service dedicated to your needs and requirements. We understand that there are many considerations to make before you commit to selling your home and moving on; we are here to help you every step of the way.
The mortgage lending criteria is constantly changing, and it may have been some time since you last reviewed your mortgage options. It's imperative to take advice before getting serious about your move. We aim to put you in the best position to proceed when receiving an offer on your property and making an offer on your new purchase.
Getting Started
My Mortgage Expert will help you understand all the costs associated with buying and selling your property and when you need to pay them. This could include:
- Lender charges
- Protection costs for your mortgage, yourself, and your property
- Solicitors fees
- Estate agency fees
- Energy Performance certificate
- Survey fees
- Stamp duty/government taxes
You will need to know how much your property is worth and what estate agency fees will be payable.
Selling & Searching
Everyone has different needs and requirements for their next move and we are here to help make sure your experience is as stress-free as possible.
We understand that selling your current home and finding the right property to move to can take some time, and there will be important decisions to make along the way. My Mortgage Expert will support you throughout the process and be on hand to answer any questions.
Next Steps
Once you have sold and found your next property, My Mortgage Expert will submit the full application to the mortgage lender with all supporting documentation, details of the property you wish to purchase, and the solicitor you will be using.
The mortgage lender will review your application and carry out the necessary checks to satisfy their lending criteria. Once all checks have been completed and a satisfactory survey received, the lender will produce your mortgage offer. A copy will be sent to you, your mortgage adviser, and your solicitor.
Exchange Of Contracts
Once your solicitor has carried out all of the necessary searches on your new property, solicitors from both sides will draw up formal contracts for you and the seller to sign. This is to prepare for the exchange of contracts, the final agreement between buyer and seller.
Your solicitor will ask for your deposit funds to make this exchange. My Mortgage Expert will have already discussed with you during your first appointment any extras that are needed to ensure a seamless exchange.
You may need to book a professional removal firm to help you move.
It would be helpful to make a start on the list of companies you will need to inform of your new address and for services to be available upon moving in, such as the utilities companies for gas and electricity and phone/internet connection. You may also need to ask the Post Office to redirect your mail.
Moving Day Has Finally Arrived!
On completion, all funds will have been released to the relevant parties, and you will get the keys to your new home!
Your first mortgage payment should leave your account about a month after you move in. This first payment may be more than your standard monthly repayment, depending on your completion date and your payment date.
My Mortgage Expert will be able to give you more information and will stay in touch with you, the estate agents, and your solicitor throughout to ensure your sale and purchase run as smoothly as possible.