Home Movers
Moving to a new home brings its own questions. We’re here to guide you through affordability, porting your existing deal or finding a better one, and everything in between, so the process feels straightforward.
Your journey, step by step
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You deserve to search with confidence, so let’s determine your affordability and ensure lenders will approve your loan. We just need some basic information to create a personalised quote. This quote will reveal the house prices you can target and outline your projected payments.
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Now the fun begins! Terrace or semi-detached, penthouse apartment or bungalow. The important thing is that you have your budget sorted. Once you’ve narrowed down your property shortlist and started viewing, we’ll guide you through the next steps toward securing your dream home.
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You’ve navigated this process before. Whether you’re considering porting your current mortgage or exploring new deals, at Manchester Independent Mortgages, we prioritise exploring all available options meticulously to guarantee a seamless process.
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Your offer has been accepted! We’ll request any documents required by the lender. We’ll handle all the necessary work to secure your mortgage offer and keep you updated throughout the process, allowing you to focus on packing and preparing for the move.
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Once the lender approves your documents, they will conduct a property valuation and issue your offer—congratulations! Your offer will then be sent to your solicitor, and we’re nearly there. We’ll liaise with your solicitor and keep you informed as we work to meet your deadlines.
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Congratulations on this next big step for you and your family! Don’t forget, we’re here to provide coverage for life’s unpredictabilities. We’ll check in with you annually to ensure everything is going smoothly, and we’ll reconnect when it’s time to review your deal.
See how much you could borrow
Most lenders use an income multiple of around 4.5x, but some may offer up to 6.5x depending on your circumstances. Try our quick calculator to get a rough idea of your budget, then speak to us to find out what you could really borrow.