How much can I borrow when moving home in Oldham?

The amount you can borrow depends on your income, outgoings, and credit history. As mortgage brokers in Oldham, we’ll assess your financial situation and help you find the best borrowing options tailored to your needs when moving home.

What costs should I consider when moving home in Oldham?

When moving home in Oldham, it’s important to budget for expenses such as removal costs, solicitor fees, mortgage arrangement fees, and potential early repayment charges if you’re not porting your mortgage. We’ll help you plan and prepare for these costs.

Can I still move home in Oldham if I have a low credit score?

Yes, it’s possible to secure a mortgage when moving home in Oldham, even with a low credit score. There are specialist lenders who may offer solutions, and our expertise can help match you with the right mortgage deal for your circumstances.

How long does the mortgage process take when moving home in Oldham?

The timeline for securing a mortgage when moving home in Oldham varies depending on your situation and the lender’s processing times. On average, it can take 4-8 weeks. As mortgage brokers in Oldham, we’ll work efficiently to keep your move on track.

Do I need to sell my current home before buying a new one in Oldham?

Not necessarily. If you’re looking to buy before selling, options like bridging loans or let to buy mortgages can support your plans. We’ll guide you through these alternatives to make moving home in Oldham as stress-free as possible.

Moving Home Mortgages in Oldham

How does the mortgage process work when moving home in Oldham?

Moving home in Oldham involves several key steps to ensure a smooth transition. As a mortgage broker in Oldham, we start by assessing your financial situation to help you understand your borrowing options.

Once this is clear, we’ll assist you in securing a new mortgage or transferring your existing one if feasible.

From obtaining an Agreement in Principle (AIP) to supporting you through the application process, we’ll work closely with you to manage each stage, ensuring a seamless experience when moving home in Oldham.

When do I need an AIP when moving home in Oldham?

An Agreement in Principle (AIP) is essential early on when moving home in Oldham. This document gives you an estimate of how much you can borrow, which is crucial before viewing properties or making offers.

Estate agents and sellers often see an AIP as a sign of serious intent, helping to strengthen your position in the local property market.

Our team can help you secure an AIP in 24-hours, giving you confidence and clarity in your next steps.

Can I port my mortgage when moving home in Oldham?

Yes, porting your mortgage is often possible when moving home in Oldham, allowing you to transfer your current deal to a new property.

This can be beneficial if you’re on a competitive rate or wish to avoid early repayment charges.

Our mortgage advisors in Oldham can help you determine if porting your mortgage is a viable option and guide you through the process, ensuring it aligns with your financial goals and the terms of your lender.

Speak to an Advisor

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.

Moving Home Mortgage FAQs in Oldham

Our Customers Love Us

4.96 Rating488 Reviews

Danielle

We can’t thank Malcom and his team enough for getting us on the property ladder. A year ago we didn’t think it was possible but they did everything they could to find us our mortgage. Thank you so much!

1 week ago

Sameer

Conor is always outstanding with his follow through and team is fantatsic. Always a joy to deal with. Cheers.

2 weeks ago

Danniela

The service was absolutely amazing. Lee was very easy to communicate with and very helpful.

3 weeks ago

Peter

The whole process went well and perfect

1 month ago

Albert

Excellent customer service provided experts who fully support their clients.

1 month ago

Alina

Matt and the team have been brilliant! Really knowledgeable, got everything sorted out so efficiently and quickly! Can't ask for better service! Will definitely be recommending to my friends!

1 month ago

Linda

We were offered a really poor mortgage deal by our own bank (despite banking with them for over 40 years), and their adviser didn’t seem to know how to help us. A colleague suggested trying a mortgage broker, so we searched online and found...

1 month ago

Frederick

Experience team, very helpful, understanding, patient, work as a team.

2 months ago

Helen

Debbie and Chris have been amazing. Keeping me informed every step of the way. Recommend UK Moneyman

2 months ago

Timothy

Great service from the start, will certainly use them again.

2 months ago

Habib

Really good service,Jason and Stacy were really good and made it easy

2 months ago

Bryn

Charlie was pleasant, thorough and efficient. In just half an hour he had explained several different options for my remortgage and we had come to an agreement on how to proceed. Such a great service!

3 months ago

Michael

The service was excellent with a personal advisor walking me through the process end to end, answering any questions I had throughout. Would highly recommend to anyone!

4 months ago

Dawn

Leo Shakespeare and Stacey Moss have been Fantastic throughout the process of getting our mortgage they have been in contact throughout explaining everything to us from start to finish we can not thank them both enough for helping with this process...

4 months ago

Deborah

Excellent and friendly customer services

5 months ago

Dr William

Charlie has been so helpful and very approachable. The whole team at ManchesterMoneyman have been great. Highly recommend to others!

5 months ago

John

Charlie was friendly, thorough and full of advice, which was great as a first time buyer. He was also very accommodating of my extra needs due to my loss of hearing, which is quite rare in my experience. I’d highly recommend Manchestermoneyman and...

5 months ago

Anonymous

Chris - our mortgage broker has been incredible throughout the process. Very pleased with the service offered and will be back when we need to remortgage.

5 months ago

Anonymous

We received a great service, no hassle for us, they worked quickly with initiative and secured a good product.

6 months ago

Mr.

We have used Manchester money man a few times now and always find them to provide us an excellent service. They offer all options and explain the pros and cons of each allowing us to make an informed decision. Could not recommend highly enough

6 months ago