Home Movers

Home Movers

More time to search for your new home, less stress!

Buying a home can be a stressful time, but it shouldn’t be!

People move home for all sorts of reasons; A growing family needing more space, a location change or looking to buy that forever home!

Charles Calvert

Founder & Managing Director

Why Refinance?

Thinking of moving homes?

Growing Family

Expanding your family or simply outgrown your current family home? A growing family needs more space! 

Relocation

Moving to a new location for work, retirement or simply a lifestyle change?

Empty Nest

Looking to buy something more appropriate now that your children have left home?

Easy Mortgages

Things to Consider when moving home

Do you Know Where you stand?

It’s important when you want to move home to know where you stand...
- How much can you borrow?
- How much would that cost you each month?

What would the costs be such as:
- Estate agent fees
- Solicitor costs and stamp duty
- Is there an early repayment charge with your current lender?
- Could porting your mortgage could be a better option, compared to taking out a new mortgage with a different lender?

Easy Mortgages can help you answer all of these questions and take care of this process for you.

Step-by-Step Guide

10 Steps to Moving home

Consult with an Advisor

We will assess your requirements and find the right mortgage for you. 2. Protection – An essential not an extra, to ensure you are covered in the event of death, critical illness, or loss of income. 

Valuation

The lender will check the value of the property. You should also consider appointing your own surveyor for a more in-depth survey. 

Exchange of Contracts

You are now legally committed to purchase the property. 

Decision in Principle

Basic personal details will be submitted to the lender to see if you meet their terms. A European  Standardised Information Sheet or Key Facts Illustration will be provided detailing everything you need to know. 

Offer

Once the valuation has been approved the lender will produce an offer.  Here your interest rate and other conditions will be formally provided.

Payment

Deposit is paid and the solicitor will finalise all mortgage arrangements. This is preceded by the payment  of land registry fees and stamp duty. 

Credit Searches / Application

Now it’s time to submit your mortgage application. Then the associated searches and credit checks will be completed by the lender as part of their approval process and before providing you with an offer.

Legal Work

The solicitor will then complete the pre-exchange of contracts including deciding on a completion  date. 

Payout

Additional payments will be paid to you via the requested method of payment if an equity release is also part of your remortgage strategy.

Completion - Enjoy!

Funds are transferred and the purchase is completed. It’s now time to pick up the keys!

Download your Free Home-Buyers Step-by-Step Guide today

Any type of mortgage application can be stressful and confusing, which is why we have made this step-by-step guide to support and inform you throughout the purchase process, any fees to expect and more.

Please enable JavaScript in your browser to complete this form.

What Costs Can I Expect?

Stamp Duty

% of purchase price.

Stamp Duty

Charged on UK land and property transactions. Stamp duty is calculated at different rates, with thresholds  for different property types and transaction values. There are different rules if you are buying your first home. You get a relief that means you pay less or no tax.

Legal Fees

Starting from £500-750+

Legal Fees

For any purchase you will need a solicitor to complete all the legal work. The fee for this service can vary,  but generally costs from £500-750 +VAT or more.

Survey / Valuation Fee

Between £150 and £1,500 depending on the value of the property.

Survey / Valuation Fee

All lenders will insist a valuation is carried out on a property. It only confirms the property value; it won't assess any problems or need for future repairs. Valuations cost between £150 and £1,500 depending on the value of the property and level you choose.

Level 1: Basic Valuation / Level 2: Home Buyers Report / Level 3: Building Structural Survey

Level 1 is the only compulsory survey and usually free.

Home Condition Survey

Typically costs  £250. 

Home Condition Survey

 Best for new-build and conventional homes, this is the most basic survey and typically costs  £250.

Home Buyers Report

Typically costing  £400+.

Home Buyers Report

A thorough survey and valuation of both the inside and outside of the property, typically costing  £400+.

Building / Structural Survey

Costs  £600+

Building / Structural Survey

The most comprehensive survey, essential for older or non-standard properties. Costs  £600+. We will advise you as to which of the above we feel is the most appropriate option given your situation. Arrangement fees - Most lenders will charge either an arrangement or a booking fee when you apply for a mortgage.  Some lenders will allow you to add the cost of the fee to the overall loan, which means you do not need to pay this  upfront. However, you will pay interest on this fee during the term of the mortgage. 

Best Mortgage Rates

We Will Find You The Best Mortgage Possible

You will find one of the largest lending panels in the UK here at Easy Mortgages. We are part of the award winning Mortgage Intelligence Network.  

We find the most suitable and cheapest mortgage for you, based on your personal circumstances and financial situation. With our guidance, every step of the journey is as straightforward as possible.

Navigating through legal documents, dealing with banks, insurance companies and different rules and procedures, on top of searching for your dream new home, can rapidly become overwhelming.

We have over 15 years experience in the industry. Let us do the heavy lifting for you!

Enjoying your new home while we take care of the rest.

80+ Lenders UK Wide

With our extensive lending panel, finding the best deal for your circumstances is easy. As a reputable mortgage broker, we have the power to negotiate on your behalf and advocate for the best possible deal for you.

We Are Your Advocate

As our client, your satisfaction is our number 1 priority. Our mission is to ensure that you have the best deal and are never paying more than you should for your mortgage.

5 Star Service

What our clients say about us

Francesca KirbyFrancesca Kirby
18:44 28 Dec 22
Charles was really professional and informative with the whole process and options available to us. Despite the difficult market with interest rate increases he managed to secure us a great rate and kept our payments to a reasonable level. Cannot express how truly grateful my husband and I are for all the work he put into getting us the best offer out there and would happily recommend Easy Mortgages to anyone both first time buyers and people remortgaging.
M CM C
08:34 18 Oct 22
Charles from Easy Mortgages did a fantastic job! Really pleased with how efficient and straightforward everything is. From initial mortgage approval, through to underwriting, Charles kept us informed throughout the whole process, and dealt with any queries promptly. He is very knowledgeable in his field, and I would not hesitate to recommend his services.
Adam DowseAdam Dowse
17:21 06 Oct 22
After experiencing a great service, when taking out a competitive Life Assurance policy via Easy Mortgages brokerage service, I turned to Charles to find a mortgage for a new property.I wanted a reduced repayment period, but I wasn’t sure how this would impact the repayment costs. Over an online meeting, Charles was able to quickly generate several alternate options for me to consider.There was no pressure in terms of our chosen mortgage, and I was impressed that Charles was able to provide an Agreement in Principle by the end of the initial meeting.Charles is a true professional in his industry, who I would not hesitate to recommend.
Samuel MaximousSamuel Maximous
18:06 01 Aug 22
This is my first time applying for a mortgage and Charlie has been extremely helpful in every step of the process. He's always responsive, incredibly patient, and very clear in explaining the process. I couldn’t of asked of a better service. I would definitely recommend and would definitely work with Charlie again for my next mortgage! Thank you so much
Lis SmallLis Small
18:08 04 Apr 22
I recently needed a Buy to Let mortgage and Charles was fantastic. He carried out the necessary research and recommended 3 possible options. He explained the products clearly and was happy to answer any questions, no matter how basic! He saw me through the whole event, ensuring everything was ready for completion.He also helped with a suitable buildings insurance. Again, everything was as promised and now I have a house, properly set up, with happy tenants. Thank you Charles. I will continue to use you when my fixed term comes to an end.I can’t recommend him highly enough.
js_loader

Our Lending Panel

Over 80 of the UKs Best lenders

Our Blog

Easy Blog

    December 9, 2023/

    Казино Vavada – это не просто игровой клуб, где вы можете устанавливать ставки на спорт. Казино имеет интересные казино развлечения,…

    Load More

    End of Content.

    Free Consultation

    Request a Free Consultation

    In a 100% obligation free consultation, we conduct a review of your current mortgage deal, access your current situation, and map out the best way forward in your property journey.

    Please enable JavaScript in your browser to complete this form.

    Talk to a mortgage expert, now!

    Mortgage Advice You Can Trust

    Contact us anytime.

    Opening Hours

    Easy Mortgages Limited is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only. 

    Registered address; 41 Agincourt Avenue, Gosport, Hampshire, PO13 8NU. Registered in England & Wales under number 13862954 

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE   

    We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.

    Web Design by Jellie Digital