Moving to your new home

mortgage loan advice

So you’ve been a homeowner now for several years and it’s time to move onto your next home.

Congrats on years of successful homeownership! Let’s plan your journey to your dream home.

We’ll make the transition seamless. Let’s find your new perfect home and mortgage!

Congratulations on several years of successful homeownership! As you consider your next big move, let’s start planning your exciting journey to your next dream home. Whether you’re looking to upgrade your space, downsize, or move to a new city, we’re here to help you make the transition as smooth and seamless as possible. Let’s get started on finding your new perfect home!

Excellent
Based on 52 reviews
Georgiana Olescu
Georgiana Olescu
2024-04-10
Paul is an amazing broker, very helpful, responsive to emails and patient with customers. The process with him was quick and easy as his work ethic is impeccable. We are beyond impressed and happy with his services and that we got to work with him.
Valerie O
Valerie O
2023-12-28
Exceptional service provided by Paul, I could not have asked for better. Definitely does his due diligence and goes above and beyond. Highly recommended!
Bonnie Frost
Bonnie Frost
2023-12-25
Paul is a fantastic advisor and guided my husband and myself through the entire process of buying our first home, he made the entire process feel easy and we were well informed along with great communication and fast action. We completed within 3 months of contacting Paul.
Johnathan Lowery
Johnathan Lowery
2023-11-16
Working with Paul has been a hugely positive experience. Paul took the time to understand our needs and financial situation, ultimately securing us a mortgage deal that we would not have been able to obtain on our own. His guidance and patience over an extended time was invaluable in guiding us through a volatile period in the property market. I highly recommend working with Paul at Your Property Financial.
Adeel Sarwar
Adeel Sarwar
2023-10-02
It has been great working with Paul. He helped us to redeem our help to buy equity loan which didn't seem possible to me when I first contacted him. It took much longer than expected due to many obstacles but Paul explained every step of the process very clearly and he regularly communicated with me to ensure the remortgage went through as efficiently as possible. I would definitely recommend working with Your Property Financial.
Jessica
Jessica
2023-08-29
I would highly recommend Paul as a mortgage broker. As a first time lone buyer I began the process feeling very out of my depth, particularly in a market where mortgage rates are very high. But from the get go Paul provided reassurance and practical guidance and has been immensely helpful throughout the process. I've really appreciated his responsiveness, honesty and support.
Louise Griffiths
Louise Griffiths
2023-08-28
I reached out to Paul 2 years ago and giving this review now because I wanted to ensure that I could give a true review of what benefits I have experienced from using his service. I am thrilled with the financial expertise given to me by Paul. His skillful negotiation secured me an excellent mortgage rate within a short turn around time. This has not only set me on the path to paying off my principal balance but has also allowed me to simultaneously build a solid emergency fund. His initial guidance has been invaluable in shaping my financial future. I look forward to working with Paul again, once my 5 year plan is near its end. Highly recommended!
Calum Hebron
Calum Hebron
2023-08-05
Paul has been consistently excellent, ensuring we got the best possible mortgage deal at a time when rates weren't great. Paul worked with us to understand our financial complexities and went above and beyond to ensure they were understood by mortgage providers. We've been made to understand every stage of the process, and as first time buyers we were able to feel confident in the decisions we made. I would highly recommend working with Paul at Your Property Financial.
Czarina
Czarina
2023-08-04
My almost a year-long journey with Paul as my broker has been truly amazing, despite a few hiccups during the mortgage process. Working with him has been the best decision ever! As a first-time buyer, I lacked knowledge about purchasing a home, but Paul's guidance and expertise were outstanding. He explained things in a clear and concise way. What impressed me the most was Paul's responsiveness. He promptly addressed all my questions and concerns, never making me feel like a bother. Even when I faced challenges, Paul's determination and problem-solving skills were unwavering. I felt so supported throughout the entire process. Thanks to Paul's unwavering support, I managed to reach this point. I highly recommend him to anyone, especially fellow first-time buyers. Paul's knowledge, patience, and reliability are unmatched. He's not just a broker; he's an invaluable ally in this complex process. Thank you, Paul!
Alistair Prestidge
Alistair Prestidge
2023-07-11
Paul helped me to get my Mortgage approved in less then 48 hours! He has been great and I can’t recommend him highly enough. His communication is excellent, and he helped me understand each stage of the process easily. Thank you so much for helping me buy my very first home! I will most certainly be recommending Paul to friends & family!

Typically we move every 7 years to a new home and this can be or a variety of reasons such as, 

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your property financial - mortgage broker advice

The first thing you should do is engage with a mortgage broker who can talk you through the options available to you as regulations, lender criteria and affordability options change every week sometimes so get up to date on your options as things currently stand. 

Check out 👉🏽how a mortgage broker can help you

Check out 👉🏽how much you can borrow now

If you’re had a mortgage for a while now and no credit problems then you’re likely to have a good to an excellent credit score but it’s always important to check this prior to a mortgage application if it’s been a while since your last check. 

Check out 👉🏽 your credit score now

Another option could be to try and hold onto your current property and turn it into a buy to let. This is called 👉🏽 let to buy and check here to find out more

Before you hit the housing market, let’s talk mortgage.

A mortgage broker can be your secret weapon. They’ll assess your finances, recommending the right loan for your situation. They’ll also search across lenders to find the best rates and terms, saving you money in the long run.

Tip: Be prepared! Gather pay stubs, bank statements, and proof of employment. With a broker by your side, you’ll navigate the mortgage process smoothly, landing your dream home and that sweet, short commute.

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Finding the Perfect Mortgage

Downsizing doesn’t mean sacrificing comfort. A good mortgage broker can help you secure a competitive mortgage on your new, smaller home. Here are some key points to discuss with your broker:

  • Equity as a Down Payment: The equity from your current home can be used as a significant down payment on your new property, reducing your monthly mortgage repayments.
  • Right-Sizing Your Mortgage: Don’t get stuck with unnecessary debt. Your broker can help you determine the ideal mortgage amount based on your new financial situation.

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