Home Mover Mortgages in Harlow
Mortgage guidance for moving home in Harlow, Old Harlow, Church Langley and Sawbridgeworth.
Your current deal checked
We review your mortgage and any early repayment charges
Timing taken seriously
We help your sale and purchase line up
One point of contact
Your adviser keeps you updated throughout
People move in and out of Harlow for many reasons: a larger family home, a job on the Harlow Enterprise Zone, easier access to Stansted Airport, or the rail links to London and Cambridge. Each move involves lining up your mortgage with your sale and purchase.
We review your existing deal, explain your options and keep you informed until you move.
Moving home around Harlow
Harlow’s neighbourhoods were planned separately, so moving from one to another, for example from a smaller home in an older part of town to a larger house in Church Langley, can change the type of property and the price you pay. If you are moving up, a lender will look again at your income and outgoings and the size of the new loan.
Some homeowners in Harlow have lived in the same house for many years and have built up considerable equity. If you are downsizing, for example to a flat in the centre or to a smaller home in Old Harlow, we can look at how much you could take out and how you might use it. If you are moving across the Hertfordshire border to Sawbridgeworth, we will explain what that means for the process.
How it works
Initial conversation
We look at your current mortgage and your plans.
Compare your options
Porting, a new mortgage, or a mix of both.
Agreement in principle
A lender gives an early indication of what it may lend. This can involve a credit check.
Application
We help you complete the application and provide the documents the lender needs.
Offer and legal work
The lender values the property and your solicitor carries out the legal work.
Completion
Your sale and purchase complete and you move in.
For the full guide, see our Home Movers page.
Frequently asked questions
I have lived in my Harlow home for years. How do I know how much equity I have?
Equity is the value of your home less what you owe on the mortgage. A valuation or an estate agent’s opinion gives an idea, and we can explain how a lender will look at it.
Can I downsize in Harlow and keep some money?
Often you can, if the new home costs less than your sale proceeds. We can look at what to do with the difference, including reducing any mortgage, and at any early repayment charge on your current deal.
Should I port my mortgage?
It depends on your current deal, how much more you need to borrow, and what other mortgages are available. We compare the options and explain which looks best for you.
Will I pay an early repayment charge?
If you repay your mortgage during an early repayment charge period, your lender may charge you. Porting can sometimes avoid this. We will check your mortgage terms.
Important information
- Your home may be repossessed if you do not keep up repayments on your mortgage.
- You may have to pay an early repayment charge to your existing lender if you repay your mortgage early.
The information on this page is general and is not advice. Advice depends on your personal circumstances.
Home Movers in other areas
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