Your Trusted Partner in Mortgages
Move Home with Emerald
Need more space for a growing family? Looking to reduce your monthly costs, improve your home's energy efficiency, move closer to work or schools, or simply take advantage of a property you've spotted on Rightmove?
Whatever your reason for moving, securing the right mortgage is a key part of the process. At Emerald Mortgages, we'll guide you through your options, explain everything in plain English, and help you find a mortgage solution that's tailored to your plans, budget, and future goals.
What to consider when moving home
Selling and buying a home at the same time can feel complicated, but it doesn't have to be. At Emerald we're here to talk you through the process and be there every step of the way. Here are our top tips / things to consider when you're thinking of moving home.
Costs to consider
Moving home isn't just about the deposit. There are several other costs to consider, but if you have enough equity in your current property, many of these can often be covered from the proceeds of your sale.
Before ruling out a move based on the costs involved, it's worth seeking advice to understand exactly what's possible.
Costs to consider:
• Estate agent fees
• Solicitor's fees for your sale and purchase
• Deposit
• Valuation and lender fees (where applicable)
• Stamp Duty
• Early repayment charges on your current mortgage
Understanding your budget
Working out your budget isn't just about how much a lender will lend you. It's about making sure you're comfortable with the monthly mortgage payments and the overall cost of running your new home.
In the early stages, we can work with estimated sale and purchase prices to see whether a move is achievable. Once your property is sold, your adviser will refine the figures and help you move forward with confidence, taking the guesswork out of buying your next home.
Finding people you can trust
A successful house move relies on more than just finding the right property. You'll be working with a range of professionals, including mortgage advisers, estate agents, and solicitors, so choosing people you trust who provide excellent service and communication can make all the difference.
Good communication is often the key to a smooth move, and the cheapest option isn't always the best value. We've built relationships with some fantastic professionals and would be happy to recommend trusted experts to support your move.