Home Mover Mortgages in Stansted
Mortgage help for moving home in Stansted Mountfitchet, Birchanger, Elsenham and Takeley.
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 into and around Stansted Mountfitchet for the rail links, the M11 and work at or near the airport. When you move, your current mortgage and your next one both need to be handled, and the timing of your sale and purchase has to fit around them.
We review your existing deal, explain whether porting or a new mortgage may suit you, and help you plan the move.
Moving home around Stansted
Many movers here are trading a flat or a smaller house for a larger home in the village or in neighbours such as Birchanger, Elsenham or Takeley. A bigger loan means the lender looks again at your income, including any shift pay or overtime, and your outgoings. We can show you how that is likely to be treated and what your equity could contribute.
If you are moving for work, perhaps to or from a job at the airport, timing can be tight, and you may want to arrange your next mortgage before you have sold. We explain the options for managing that gap, and the costs involved. If your current deal has an early repayment charge, we show you what it would cost to leave early compared with porting or waiting.
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
Can I move to a bigger home near Stansted if my pay includes shift allowances?
Often yes, but lenders differ in how much of it they count. We can explain how they treat it and which may suit your circumstances.
What if I need to move quickly for a new job?
We can look at arranging an agreement in principle early, so you know what you can borrow when you find a home. Your solicitor then coordinates the dates around your sale.
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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