JML has years of experience helping buyers to move up or down the property ladder.
Moving can be stressful – you need to think about selling your existing property whilst searching for your next dream home. But JML can take some of the stress away. We will manage all aspects of the mortgage process with a calm and personable approach.
There are usually two options when moving home:
‘Port’ your existing mortgage
You might wish to transfer your existing mortgage to your new property, if your lender permits. This means you would keep your existing deal at the same rate and avoid paying any early repayment charges.
If your new home is more expensive than your current property, you might only be able to port the amount owed on your current mortgage. So, you may need to take out a top-up loan on the remaining amount. Don’t worry if that sounds complicated – JML’s experts will be there to guide you every step of the way.
Switch to a new mortgage
You might take this chance to get a new mortgage deal that is better suited to your needs. Your existing mortgage will therefore be repaid using the proceeds from the property’s sale. There may be an early repayment charge for leaving your existing deal. Our knowledgeable advisers will help you understand any costs incurred.
JML has access to the whole of the mortgage market. We will ensure all your options are thoroughly explored to help you make an informed decision.
It can feel like there’s a lot of paperwork involved with a mortgage, but JML will take care of that for you, so you can focus on the other parts of moving. Our user-friendly client portal makes the experience smoother for you. All the information you need will be in one place, so you can stay fully updated with every stage of your application.
Aside from a mortgage, there are other costs involved with moving home. This might include Stamp Duty, the cost of a conveyancer, a house survey and valuation fees. JML can advise on the specifics to help you budget.
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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