Mortgage Advice
Home Mover Mortgages
With so many mortgage loans available on the market, tackling the search for one that suits your needs without the expertise of a mortgage broker can be challenging and time-consuming.
Whether you’re upsizing, downsizing, or simply moving to a new area, our team is here to make the transition as smooth as possible. We understand that moving home can be a stressful experience, but with our expertise, we can ease the burden of finding the right mortgage.
We will assess your current mortgage, evaluate your new requirements, and search the market to find the best deals that match your needs. Our goal is to ensure that your new mortgage complements your lifestyle and financial situation.
Our bespoke service means we handle the complexities for you, providing clear and straightforward advice so you can focus on settling into your new home.
Mortgage enquiries…
Here at IMS Financial we are passionate about connecting our clients with a mortgage that truly suits them.
- Friendly advisers with a wealth of knowledge
- Access to a wide range of products
- Trusted and stress-free financial advice
Changing your Mortgage
While you might be inclined to stick with your current lender when moving to a new house, it’s crucial to explore the market thoroughly each time.
Moving to a more expensive property often requires increasing your mortgage loan size. This means meeting the new borrowing criteria set by lenders for the additional amount. These criteria can be more stringent than what you’re accustomed to with your current lender, so careful consideration is advised.
We collaborate closely with you to assess your unique circumstances and survey the entire market to identify the most suitable mortgage solutions. Together, we explore a range of options, including fixed-rate, capped, tracker, interest-only, or offset mortgages, ensuring a choice that aligns with your current and future needs.
Porting your Mortgage
If you’re contemplating whether to port your mortgage, it offers flexibility by allowing you to stay with your current lender and maintain your existing deal. However, porting can pose challenges if your circumstances have changed, such as reduced income, self-employment, or increased debt.
To determine the best mortgage option for your situation, consult with us confidentially regarding home mover mortgages.
Access to a wide range of products from over 70 lenders
A family-run business offering friendly and personal advice.
IMS Financial is an appointed representative of PRIMIS
Important
For our mortgage advice services, we will charge a fee of between £0.00 and £495.00. The level of the fee will be determined by the complexity of the enquiry and the duration of research required to assess your needs and provide a suitable recommendation.
IMS Financial is a trading style of IMS (Watford) Ltd. IMS (Watford) Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers
based in the UK.