Navigating Your Home Move with Expertise
While the desire to move home will have you focused on the vision of your new lifestyle, it also demands detailed financial planning. We recognise the importance of having a comprehensive strategy in place, addressing key aspects such as:
- Early Redemption Charges: Exiting a mortgage within an initial deal (fixed or tracker) may incur charges. We work closely with you to assess and mitigate these charges, optimising your overall budget for a seamless move.
- New Mortgage Arrangements: It’s typical that moving home will mean a change in your total mortgage amount, often linked to a change in your circumstances. A bit like when you were a first time buyer, having a mortgage broker who understands you, your circumstances and your goals is critical if this is to be successful.
- Porting or starting a new mortgage to move home: Embarking on a new chapter and moving to a new home is an exciting journey, but it comes with a unique set of challenges. Our award winning mortgage team are here to guide you through the intricacies of this process, ensuring a smooth transition that aligns with your financial goals and values.
- Home improvements: Making your new home right for you will take time, and often some additional funds too! We can advise on the pros and cons of how to finance this – whether to borrow extra up-front (and maybe use an offset facility), take a further advance further down the line, or look at the better rates that come with specific green home loans.
Personalised Solutions for Your Unique Journey
At WR Ethical, we take pride in getting to know our clients personally. Our approach goes beyond finding the cheapest mortgage – we strive to discover the mortgage that best suits your overall criteria. Your circumstances and goals are at the forefront of our considerations.
Ethical Financial Choices
We know that every financial transaction is also an ethical choice. Our commitment to aligning your move with responsible financial decisions sets us apart. When you work with WR Ethical, you’re choosing a partner that values integrity and transparency, putting you first.