ACT Mortgages

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Searching for your dream home When you’re looking for the right home, it’s worth preparing a wish-list of desirable feat...
24/05/2022

Searching for your dream home

When you’re looking for the right home, it’s worth preparing a wish-list of desirable features to look for in your ideal property. Think about the reasons that prompted you to move in the first place, perhaps it’s seeking a new area, a bigger house, a better garden, for example, and make a list.
Potential criteria could include -

• Kitchen-diner
• Downstairs bathroom
• Extra bedrooms
• Garage, home office or games room

Having this list can help you decide whether a house could be right for you, before you book a viewing. What to look out for:

• How does the local area look?
• How long will it take you to commute to work?
• Is it peaceful or is it a busy, built up area?
• Are the transport links good?
• Are you nearby local shops and amenities?
• How close are you to local schools and nurseries?
• What is the car parking like – both during the daytime and evening?

How does the property look?

Outside:
• Does the property have off-road parking?
• Does the property face south for additional sun?
• Is there a garden, and is it useable?
• How secure does the property look?
• Are there any cracks visible in the walls?
• Are there any signs of mould or damp?
• How well-kept are the neighbouring properties?

Inside:
• Are the rooms large enough for your needs?
• What energy rating is the property?
• What kind of heating system is in place?
• How much would the Council Tax and bills be?
• Can you see any damp or mould developing?

Ultimately, you are looking to see how closely the property meets the needs outlined in your wish list, alongside consideration of how long you intend to live there, and how the property can meet your needs in the future. Once you’ve found your house, and you have a Decision in Principle (DIP), you would generally be ready to go ahead and make an offer.

21/05/2022

Financing your dream home

Most of us will be looking to finance a new home with a mortgage. If you’ve already got a place, then chances are, you need to look firstly at what kind of mortgage deal you already have to see how much it would cost you to move house.
Many mortgages have an early repayment charge, which you’d have to pay if you move to a new one before the term ends on your existing one. You can get around this by porting your existing mortgage to a new property to save money and retain the same deal.

It’s always advisable to review your mortgage with a professional mortgage adviser; we will help you understand the choices to be made, talk through your circumstances and help to establish how much you could borrow.

One of the main benefits to be had by using us, is that we can obtain mortgage deals from a wide range of lenders across the market and with deals that would be suitably beneficial to your individual need and circumstances.

We’ll go through your financial circumstances, your monthly income and outgoings, and help to advise and recommend a mortgage that’s suitable for you. We’ll explain in detail of what potential fees and charges that may be involved, and afterwards work with you to get a Decision-in-Principle (DIP) to show how much you’re able to borrow, before you place an offer on a property.

21/05/2022

Thinking of moving home

There could be a number of reasons why you might consider moving home, whether it’s your first step on the property ladder, or moving in with a partner, through to seeking more space for a growing family or downsizing, now that the kids have places of their own. Whatever the reason behind the move, each one is a significant step in life, and needs to be undertaken with care and guidance along the way.

Here to help t take you through the key steps and decisions that need to be made as you find a new home, from finding the right property for you, through to sourcing the funding for your dream home, selling your existing home and practical tips for the moving day itself.

21/05/2022

Mortgage Broker that tailors advice to your personal needs. First Time Buyer as well as remortgage (re-mortgage / refinance) applications welcomed. Get most suitable mortgage to your personal circumstances.

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