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Mortgage advice and application service for clients Moving Home |
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Why use our Service
Why use Smaart Associates to arrange your mortgage?
Moving home should be exciting and the process doesn’t need to be daunting. We offer mortgage advice from the time you start thinking about moving home until the day you move in. Your dedicated adviser will reduce the time and hassle in applying for a mortgage by dealing with the mortgage lender throughout the mortgage application process. If you are thinking about moving home why not call us to discuss your options and let us research the market to find you your ideal mortgage.
Remember, our service is impartial, we work for you not the lender. For further information visit or about us page or why not take a look at what some of customers have to say about our service.
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Call us on 0800 756 9556 |
Moving Home Guide
If you are looking to move home, the first thing you should consider is how much your existing property is worth. To get a realistic valuation of your home we recommend that you invite three Estate Agents to assess the value and ask them to confirm their valuation in writing to you. Once you have all three valuations you should take an average of the three and in most cases this will be a fair indication of what you should expect to achieve if you decide to sell.
A growing number of people now choose to keep their existing property as a long term investment. If you believe that your property would rent easily this might be something you wish to explore. Once again we recommend that you obtain three valuations for rental purposes and take an average of the three. This type of transaction is known as “let to buy” and more information can be found by speaking to one of our advisers.
Your Existing Mortgage?
If you already have a mortgage this is the time to dig out your original mortgage offer or contact your lender to obtain the following information:
How much is outstanding
What interest rate is being charged
When does the existing deal end
Are there any early repayment charges
Is the current mortgage portable, i.e. can it be transferred to another property
Initial Advice:
Armed with the above information this is the ideal time to contact Smaart Associates. We will discuss how much you might be able to borrow toward your onward purchase and answer any questions you have about the moving process.
Get a Mortgage Agreement in Principle:
Having a mortgage agreed in principle means that you have your finances ready before you find a property you wish to buy. If your financial situation is particularly good, this may not be necessary and your Advisor will discuss this with you.
Budgeting:
Before applying for a mortgage or remortgage it's important that you understand what your existing commitments are and how much you can afford in repayments for your mortgage.
Your Smaart Associates Adviser will help you establish a budget for your new mortgage but to get started please try using our online budget planner.
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For impartial advice |
Read our "key facts about our mortgage service" document
Talk to us
Call our friendly team and we will help you find your ideal mortgage.
Important Information
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Smaart Associates is authorised and regulated by the Financial Services Authority and is entered on the FSA Register (www.fsa.gov.uk/register) under reference 300530. The FSA does not regulate credit cards, personal loans or some investment mortgage contracts. Some Buy To Let mortgages are regulated by the Consumer Credit Act (CCA).
By following some of the links from this site you may be directed to services provided by a third party. Where this occurs we are not responsible for the information provided and accept no responsibility for its accuracy.
Smaart Associates Limited is registered in England No: 4325522. Loans are subject to status, type and value of property. Insurance may be required. Minimum age 18.
The guidance contained within this website is subject to the UK Regulatory regime and is therefore primarily restricted to consumers based in the UK.
Head office:
Smaart Associates Limited
Sandy Farm Business Centre,
The Sands,
Farnham, Surrey,
GU10 1PX
Registered office: 6a Dickensons Place, London, SE25 5HL
Meetings by appointment only
Telephone calls may be recorded for training and monitoring purposes
As a mortgage broker we receive a fee from lenders with whom we place mortgage business. We arrange mortgages from £40,000 upwards with no broker fee as we keep the commission paid to us by the mortgage lender.