Moving Home Mortgages St Ives, Cambridgeshire | Five Star Mortgages Ltd

Are you planning your next move in St Ives, Cambridgeshire?

As your local mortgage experts with a strong presence in the city, we understand the unique challenges of moving home in Cambridgeshire and the surrounding areas.

With access to the whole mortgage market, we'll find you the most competitive deals available.

Understanding Your Moving Options

Moving home doesn't have to be complicated. Our experienced team will guide you through every option available:

• Evaluate your current mortgage and equity position

• Compare porting your existing mortgage vs. new deals

• Calculate how much equity you can use as a deposit

• Access exclusive rates from across the whole mortgage market

• Review your borrowing capacity for your next home

The Home Moving Process in St Ives, Cambridgeshire

• 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

We'll support you through every step of your move:

Initial Property Valuation

• Get an accurate valuation of your current property

• Understand local market conditions in Cambridgeshire

• Calculate your available equity

Estate Agent & Property Search

• Work with recommended local estate agents

• Understand current Cambridgeshire property prices

• Get expert guidance on property viewings

Mortgage Arrangements

• Compare porting vs. new mortgage options

• Access whole-of-market mortgage deals

• Secure an agreement in principle before making offers

Property Chain Management

• Coordinate with estate agents and sellers

• Manage survey requirements

• Work with local solicitors for smooth conveyancing

Our Expert Support

With Five Star Mortgages, you'll benefit from:

• Dedicated case manager throughout your journey

• Expert mortgage advisers with local knowledge

• Strong relationships with local property professionals

• Regular updates on your application progress

• Coordination with estate agents, solicitors, and lenders

The Five Star Mortgages Difference

• Whole market access to mortgage products

• Expertise in the Cambridgeshire property market

• Comprehensive support from offer to completion

• Clear communication throughout your journey

• Evening and weekend appointments available

Your Next Steps

Our process is designed to make your move as smooth as possible:

1. Complete our enquiry form below

2. Receive a call within 24 hours from our expert team

3. Book your free initial consultation

4. Get a personalised moving home strategy

5. Let us handle your mortgage while you focus on your move

Understanding the Mortgage Process Once you've found your new home:

• We'll compare your current mortgage's porting options against new deals

• Our admin team handles all lender communication

• We coordinate with your solicitor and estate agent

• Regular updates keep you informed of progress

• Support continues right through to completion

Local Market Expertise

Our team's knowledge of the Cambridgeshire property market means we understand:

• Local property values and trends

• Popular areas and upcoming developments

• Common challenges in local transactions

• Local solicitors and estate agents

• Property survey requirements

Take the First Step.

Ready to start your home move in Cambridgeshire?

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.

Get in touch today for a FREE consultation

Book an appointment through our form or call today on 0300 303 4676 to speak with one of our experienced financial advisers.