Hoskin Mortgages

What type of Mortgage do you require?

We can assist you Call on 01621 767200

Things to Consider

You may need to move for a number of reasons:-
Buying a property is probably the biggest purchase you will ever make. Before you make significant inroads into the buying process, ensure you obtain an Agreement in Principle. This is still subject to checking your income, and expenditure. 

Porting your current mortgage

You may have already got a mortgage on your current property which you may be able to port into your new property. This is only possible if your current mortgage lender will allow you to borrow the amount you need. They do not have to agree to a new mortgage, especially if you fall outside of their lending policy.

What do you need to Budget for?

Whilst assessing your budget you also need to account for other costs involved in buying and selling a property. Typically these are:

Estate Agent Fees

These can vary enormously within towns across the UK. You should compare costs between agents and look at the services the agent is looking to provide.

Solicitors Fees

These again can vary from Solicitor to Solicitor, but will include the cost of the Solicitors time, along with a selection of fees payable, such as Land Registry Fees, Property Searches, Local Searches, and other related fees.

Stamp Duty

This is the tax you pay to the government on property purchases. It is payable on property purchases of £125,000 and over. The rates payable are tiered according to property value.

Property Valuations

A basic Report and Valuation is normally organised via the Mortgage Lender, however if you require a more detailed valuation report, such as a Homebuyers or Full Structural Survey you can organise these yourself or there may be a discount for using the lender’s surveyor.

But before you contact us why not checkout some of our customer feedback below:

For more customer feedback please visit our Feedback page.

“I would like to thank you for all your brilliant work dealing with this matter – you have been superb.”
M & H J from Latchingdon, Maldon, Essex.

“I would like to say thanks for helping to sort the re-mortgage. It was a pleasure and thank you for being so efficient and on top of everything.”
K & I G from Ware, Hertfordshire.

“An excellent and professional service.”
C & K M from St Lawrence, Maldon, Essex.

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