Moving Home in Northamptonshire: Your Complete Mortgage Guide

Planning to move within Northamptonshire? As your local mortgage experts based in Corby, we understand the unique challenges of moving home in areas like Kettering, Wellingborough, and across Northamptonshire.

Our comprehensive service ensures your home move is as smooth as possible.

Understanding Your Moving Options

Evaluation of your current mortgage situation
Explanation of porting vs. new mortgage options
How to leverage your current home's equity
Calculating your new borrowing capacity

The Home Moving Process in Northamptonshire

Step-by-step guide to selling and buying simultaneously
Working with local estate agents
Importance of property surveys in the local market
Coordinating with solicitors for smooth transactions

Your Mortgage Options Explained

Benefits of porting your existing mortgage
Whole market comparison for new mortgage options
How we compare porting vs. new mortgages
Special deals available for home movers

Our Comprehensive Support Service

Initial free consultation and assessment
Dedicated case manager throughout the process
Coordination with estate agents, solicitors, and lenders
Regular updates and progress tracking

Why Choose Five Star Mortgages?

Local expertise in Northamptonshire property market
Whole of market access to mortgage products
Dedicated admin team to manage your application
Strong relationships with local property professionals

Ready to start your home move in Northamptonshire?

Complete our quick enquiry form below, and one of our mortgage experts will call you within 24 hours to discuss your plans and arrange a free initial consultation.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Frequently asked questions

Q. What fees are involved with moving home?

A. There are several fees you’ll incur when moving house but the amount you’ll pay will vary depending on several factors. As a general guide you should take into account the following:

· Solicitors fees

· Estate agent fees

· Stamp duty depends on the property value

· Survey fees

· Mortgage arrangement fees

Q. Will the value of my property affect the mortgage I can have?

A. In general terms, the bigger the deposit you have to buy a house the more options to choose a mortgage product. Lenders welcome buyers who are prepared to put a lump sum into the property and reward this by offering competitive mortgage rates. The benefit to you is a lower monthly repayment amount and possibly flexibility on the length of the term.

Q. What does the term porting mean?

A. This is where you have an existing mortgage and when you sell your property you repay this mortgage. You then seek to take out another mortgage with the same lender on the same terms. If you need more money to purchase your new property, you could continue to repay your existing mortgage and apply for additional funds with the same lender. Porting your mortgage is also a good way to avoid paying any early redemption charges and will save you money.