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Your home may be repossessed if you do not keep up repayments on your mortgage
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Home Mover & New Home Purchase Mortgages
Moving home is said to be one of the most stressful events in our lives. We help and assist our clients right through the purchase to help reduce that stress and make it a much more enjoyable and exciting experience.
Have you decided it is time to move on to your next home? What things should you consider when moving home? It can be a very exciting (and sometimes a nerve wracking) time moving to a new home, whether you are looking to move into a bigger home, relocate, downsize or you simply want a change of scenary, our home mover top tips will be sure to help you along the way.
Read through our home mover top tips below to help give you ideas of what to consider...
Your home may be repossessed if you do not keep up repayments on your mortgage
Home Mover & Purchasing Top Tips
What are the things you should remember and consider when moving home? Below we explore some of the ideas you may wish to consider if you are thinking about moving.
1. Changing Market & Circumstances
It may have been some time since you last moved house. As you will or may be aware the housing market and the mortgage market alike are forever changing and it can be tough to keep up with all the changes and rules and products etc. That is why we are here to help you through.
With all the recent changes in underwriting, lending guidelines, mortgage market reviews, mortgage credit directives etc. the landscape is very different now to how it was in the past. We are here to guide you through and ensure you are in safe hands. 
Firstly we will review your entire situation free of charge. We then will advise you accordingly as to what is right for your situation. It is likely that your circumstances have changed over the years and you need some new advice on the right way moving forward for you and your family.
The mortgage market is incredibly competitive so it is worth reviewing your situation and comparing a wide range of lenders to see if there are any better deals out there that match your requirements for your new home. Your existing lender may no longer have the most suitable deal or rates which means we could potentially save you money in the process by finding you a new deal with a lower interest rate, which would be great for a fresh start in your new home.
As a professional mortage broker - Syron Mainwaring can help and advise you on your situation and mortgage requirements. We can also save you time, for example if you go to a lender and they refuse your application, this could waste valuable time and also negatively affect your credit score. 
Not only do we review and assess your situation but we use our vast resources and experience aiming to put you in a good position to have your mortgage approved. You go through the process once with us and if one lender is not looking likely or favourable to lend, we can approach another lender who may also consider your situation. We have access to over 50 lenders including some of the best known high street lenders, this means you only speak with one person but have access to many mortgages, products and deals in the market. We ensure you get the right mortgage in the quickest possible time and potentially saving you money and valuable time in the process.
Get in touch today for your Initial FEE FREE mortgage consultation and see exactly how we can help you.
Your home may be repossessed if you do not keep up repayments on your mortgage
2. Considerations When Moving
There are lots of considerations when looking to move home, many are in the points below. Here we have highlighted some simple things to think about which you may not have thought of already which may be useful if you are thinking of moving.
It is worth making lists and taking lots of notes to find out what you are looking for and what is important for you. Outline your goals and objectives for moving: are you looking for a bigger house? Are you relocating for work? Moving to a new neighbourhood? Do you want a bigger garden? More bedrooms? A garage? Land? Countryside? City living?
Once you have established your goals of what you are looking to achieve in moving, then you know exactly the type of property you want and where you want it to be. The search and excitement begins, start with speaking to local agents in areas you are looking to buy, and get their views and opinions. Tell them what you want and they will help you. After all they are in the business of selling houses and so if you are looking to buy they will do their part. If you are clear and specific on what you want the agents can better help you.
Search the websites and do your own research on areas and prices, look at recently sold prices in the area you want to buy and get your own idea of where the current market is with recently sold properties, this can help when making offers. Rightmove and Zoopla both have sections where you can find sold house price information for any specific area. This information is taken from land registry as it is updated (houses take a few months from being sold to being updated and appearing on the register).
Once you have found a place you will need to make an offer and have the funds in place to buy it. Agents and sellers like buyers to have their finances in place when making offers so they know they are serious. Although this is not essential before making offers, it can be preferable and help to make sure you can move quickly once you have agreed on a price. It can also help to avoid disappointment of finding that dream home then realising your circumstance and finances don't put you in a position to buy it. It is prudent to start the mortgage process sooner rather than later, this can help manage expectations and timeframes. We can work along side you in the process so you can start searching and making serious offers straight away.
Consider your existing mortgage if you have one, it is possible that this may be portable and could be transferred to a new property. If the rate is good and it is appropriate to do so we can liaise with lenders and help you with this process. We will review the situation and give advice and recommendations based on your circumstances and take it from there.
As with anything, things go more smoothly when there is a plan in place. Plan your move, look at time frames, write a list of everything you need to get done and plan an order of priority all the way up until moving day. Things to cover and include are decluttering, packing, organising the new house, removal companies. Think ahead for things like broadband and phone as this can take weeks to get installed, moving energy suppliers, cancelling/switching utilities and broadband packages. Inform the council for change of council tax address, update your banks and any companies where you have registered addresses i.e. pensions, investments, HM Revenue & Customs (HMRC) if necessary etc. You can get mail forwarded to your new address via Royal mail to ensure you will not miss anything important during the move and for the time after.
Are there any early repayment charges associated to your existing mortgage? We can help review your existing mortgage and see if there are any penalties for paying this off early to move home. There may be some alternatives to help save you from early redemption charges. In order to advise on this we would need to review your overall situation and current mortgage.
There are many costs to consider when moving, these are covered below in section 7.
Your home may be repossessed if you do not keep up repayments on your mortgage
3. Insurance - Protect What You Can
There is no doubt that moving home is a life changing event. Whenever our clients have life changing events (and on a regular ongoing basis) we like to make sure that they are adequately and sufficiently protected and insured.
It is possible and probable that the change in circumstances may generate a need to review your protection planning. We will work with you to make sure you have the right protection planning arrangements in place. Whether your need arises from a marriage, a growing family, bigger mortgage, new house etc we can advise you accordingly.
Of course there will be at the very least a change in requirements on your home insurance.
If you have changed jobs, there may be changes in your work-based benefits which could lead to a change in circumstances and flag up the need for a review of your current financial protection planning.
Insurance is not always an area people get excited about, however it is part of the backbone to financial planning and plays a big role in our lives. Its nice to know that it is there if it is ever needed, and we hope that it never is. However if it is ever needed you will be very glad that it is there and in place, and that it is fit for purpose and will cover you and your family in your times of need.
Since the home buying process can be lengthy and dynamic, things can change very quickly from either party, there are additional services such as homebuyer protection which can help to cover you and mitigate the risk of loss you could potentially incur from a change in circumstances out of your control. This helps to make the home buying process even more risk free and gives additional peace of mind. We help you through the entire process and can manage all of this for you.
We are happy to discuss your protection needs and can recommend solutions for you.
Your home may be repossessed if you do not keep up repayments on your mortgage
4. New Area
Moving to a new area can be an adventure, finding new places and meeting new people. It can also seem like a foreign country at times, we recommend individuals find out as much as they can about a new area before they move there so there are no nasty surprises.
There are lots of ways to begin finding out about a new area. The first thing you can do to begin your search is start with google maps, check out your locations and find out the locations of all amenities, shops, restaurants, doctors, dentists, hospitals, schools etc. Google street view is very helpful in giving you a first feel for a neighbourhood. You can become familiar with an area before ever venturing there in person.
Where are the best schools and where do their catchment areas fall? This is a big consideration if you have children. Find out which are the best schools in the area and contact the school to find out about their intake policies etc., so that you can stand your children in the best stead and help them get into the best local schools.
There are many online resources to help you find out more about an area and local demographics, websites such as (by clicking this link you will be leaving Syron Mainwaring website, we give no endorsement and accept no responsibility for the accuracy or content of any sites linked to this site. click only if you wish to proceed) give valuable area statistics which can help you find out more when researching your chosen spot and could help you avoid any nasty surprises.
It is advisable as far as it is practical to visit your new area. Drive around, speak with local shop keepers and local residents to get an idea of the type of people in your chosen area. Try to get a feel to see if you would be comfortable in the neighbourhood. 
Your home may be repossessed if you do not keep up repayments on your mortgage
5. Thinking Ahead
Think about your long term plans and goals. These will correspond partly to your reasons why you are moving. Make sure they are aligned and that you are moving forward for the right reasons. What are you planning in the future? Where would you like to be in 5, 10, 15 or 20 years time?
You may be looking at getting married, or starting a family. You could be looking to shrink your family and downsize. Whatever your reasons having a solid plan can help you avoid unnecesary costs and help us to tailor make the right solutions that will fit you for now and the future.
We believe in building long lasting relationships with our clients. We do not just focus on the numbers, although they are important, we focus on the goals and plans of our clients helping to serve them by providing ongoing support and advice throughout their lives. We are not just a one-hit wonder but will work with you regularly to ensure that you always have access to competitive rates and to help keep costs down as much as possible, so that you do not pay more than you need to over the life of your mortgage.
No matter whether you move home or stay in the same house, we will continue to work with you and keep alive a vibrant relationship from the very beginning.
Your home may be repossessed if you do not keep up repayments on your mortgage
6. Packing & Removal Tips
Moving day... Possibly one of the most stressful days of our lives, few other days are as busy and stressful as moving your entire life's belongings from one home to the next, possibly wedding day? that debate for another day.
Packing and moving can be a huge project. There are many articles, blogs and checklists which have been written to help home movers and we have listed some key thoughts and ideas here which will help make your move as simple and smooth as possible. 
A good deep clean and sort through all your belongings before you move and begin packing is a great idea. We are talking about a good clean and sort through everything from the loft, the garage, the shed, the cellar, under the stairs and more. This can help you gauge all the belongings you have before you start to pack up and move on.
Having a good idea of what you have is a great way to start. Firstly you can throw away all the unnecessary items that are filling up space but no longer wanted or needed, there is not much point taking unwanted or unused items to your fresh new home. Take this opportunity to get out with the old and in with the new.
Secondly this process can enable you to begin a mental checklist of what you have to pack and where it can all go in the new home. You can begin actually making checklists during the process and begin your strategy for how you want to execute the move. Where will all your items go in your new home? Start a plan.
This process does not have to all be done overnight. Take your time and begin well in advance, it can be a big task so tackle it in small bitesize chunks. 
An important tip is to clearly label and identify what is what and where it is to go in the new house. Doing this will save you from digging into boxes you packed weeks ago but cannot remember what is inside.
Keep important documents and items with you during the move and separate them from other items as you may need them. At least be able to identify them and where they are should you need them quickly.
Make sure to buy plenty of good quality boxes that can handle some weight and won't drop all of your belongings out the bottom when you pick them up. This sounds obvious but it is a key tip.
If you are using a removal company then ensure you get a number of quotes from different companies and that they are operating properly and have adequate insurance should anything go wrong, or items get damaged or go missing.
Top tips in moving include ensuring you manage your budget not only with your finances but time also. Budget your time well and ensure plenty of time to pack and move and try not to rush things too much as mistakes can easily be made.
Have some emergency items on hand for removal day, pack a box/bag of essential items such as: change of clothes, toiletries, packed lunch or some food and snacks to help see you through the day. It is useful to have phone chargers and other electronics items you may need throughout the day.
On moving day, keep your momentum and try to get as much done as possible, it would be much better to get everything moved in one day and then begin unpacking and arranging later. If you stop and lose momentum it can take a lot of effort to start back up again and can drag out the day or the process.
If you have young children, pets or plants, it may be an idea to arrange some care or supervision for them during moving day to ensure they are out of harm's way and that they are safe. It will help you to get as much done as possible without having to worry about taking care of them.
Start as early as possible to get the most from the day. Enlist the help of friends and family to assist and get the job done as efficiently as possible. Remember to stay safe and enjoy the adventure of moving into your new home. 
At Syron Mainwaring we are commited to making this the best experience possible for you and helping you throughout the process of moving home. Get in touch today to get the ball rolling.
Your home may be repossessed if you do not keep up repayments on your mortgage
7. Costs
There are many additional costs to consider when purchasing a home aside from the deposit and monthly mortgage payments, the main ones are detailed and outlined here below:
Mortgage Broker Fee: A mortgage adviser will usually charge a fee for the work, help and support they give you in providing advice and getting you a mortgage and helping you through the buying process.
Solicitors Fee: A solicitor or conveyancer is essential in the house buying process to help ensure you are protected in the purchase and to help you avoid making any costly mistakes. Fees vary from firm to firm and it is sensible to shop around, costs will depend on the solicitor/firm and the property you are buying.
Stamp Duty: What is stamp duty? The full name is Stamp Duty Land Tax, and it is exactly that, a Land Tax, which is payable to the government on the transfer of legal title of Land (Property) to a new owner. As a first time buyer you should be aware of this cost and should make sure you budget for it when planning on buying a house. This might affect your offer price, or the amount you need to save before buying. Your solicitor can help to ensure this is paid after completion of your purchase. Go to HM Revenue & Customs (HMRC) Stamp Duty Calculator to find out how much you will pay.
Surveys: Lenders will most likely require a Basic Valuation survey to be carried out to ensure that the property is worth what is being paid and to make sure the property is secure and sound as security for the loan. This reduces the lenders' risk and gives them greater peace of mind, it also helps you have peace of mind when deciding on a home. Surveys can be done at the request of the buyer and/or the lender. There are 3 main types of surveys; 
1. A Basic (Mortgage) Valuation - to assess the property as a good security for the loan.
2. Homebuyers Report - this provides brief information on the condition of the property and can help to flag any obvious potential issues.
3. Full Structural Survey - a detailed examination of the property with advice and recommendation on any issues or areas which need to be investigated.
Survey costs vary depending on the firm, size of property and survey carried out.
Your home may be repossessed if you do not keep up repayments on your mortgage
Arrangement Fees: Some mortgages have arrangement fees on them. These are fees the lenders charge to set up and provide their mortgage products. These can be costly and can sometimes be added to the mortgage loan if appropriate to do so. Each individual and case is unique as to what is the best to do. We can help to guide you through this process and advise on what is right for your situation. 
Buildings Insurance: When it comes to buying a property, there will almost certainly be a requirement of the mortgage lender to ensure the buyer adequately insures the building in case anything should happen. This gives extra security to the mortgage lender. We can help you arrange the correct level or buildings insurance to ensure you are fully protected.
Furnishing & Decorating Costs: Once you have moved into your new home, you will most likely want to make it comfortable and to reflect your style and taste. Some work maybe required to get it to the standard you like. Depending on the property you buy there maybe additional costs in doing this after you have purchased the home itself.
Other Fees to consider which may be relevant:
Booking Fee: This is almost like a reservation fee for the lender to reserve the capital for you whilst you apply for your mortgage. Some lenders/products include these fees in with the arrangement fee, while some are separate depending on the mortgage amount. 
Valuation Fee: In addition to any client valuation or survey the mortgage lender may wish to (most likely will) carry out their own valuation to ensure the security offered is sufficient for the loan. This valuation looks typically at the property's market value and not necessarily any potential or future problems. Not all mortgage products charge these fees, we can help you through this process. 
Telegraphic Transfer Fee: There is a fee from the lender in transferring the mortgage money over to your solicitor, this is generally a non refundable fee made through CHAPS (Clearing House Automated Payment System).
Mortgage Account Fee: There are costs associated with the administration of, setting up, operating and closing a mortgage account. Some lenders charge the customer a fee for this. 
Exit Fee: Some lenders or products will have exit fees. These costs cover the administration of closing your mortgage account. If there are other admin costs (i.e. mortgage account fee) then it is not likely you would pay twice.
Higher Lending Charge: If you have a high loan-to-value ratio (meaning the money borrowed is a high percentage of the property value) some lenders may impose a higher lending charge. This charge is to cover the cost that the lender incurs by taking out mortgage indemnity guarantee insurance. This insurance will cover a lender's potential loss if an individual is unable to pay their mortgage and the lender needs to repossess and then sells at a subsequent loss.
Early Redemption Charge: Certain mortgages may have an early repayment charge as part of the mortgage agreement. This means that if you pay back your full mortgage, or part of it over and above any allowed over-payments, you may be subject to pay an early redemption charge. Be sure to check this and discuss with your broker, they will be able to help and give the right advice on this.
Removal Costs: If you have been living in rented accommodation or you have a large amount of furniture and belongings, then don't forget to factor in removal costs of either hiring a van and doing the work yourself or hiring a specialist removal company to do the work for you.
Your home may be repossessed if you do not keep up repayments on your mortgage
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Your home may be repossessed if you do not keep up repayments on your mortgage
Syron Mainwaring, SM Financial, Mortgage Mike, & Ultimate Property Finance are all trading names of Syron Mainwaring Financial Limited.
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