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Residential Mortgages

When it comes to finding the right mortgage, there are many situations that a standard Residential mortgage or ‘Home Mover’ mortgage may be the perfect choice.

You may be looking to climb further up the property ladder, and need a new mortgage to match your new home. Perhaps you are considering a second home, and need a completely new mortgage. It could simply be that you are moving home but want to transfer your existing mortgage to your new property, or maybe it’s time to downsize your home and your mortgage along with it. Whatever your plans, a Residential mortgage can cover all of this, from purchasing to porting and everything in-between.

It is no secret that buying a new home can be a stressful process, but with our expert help this does not have to be the case. Our advisers will assist you from the very beginning of your application and will provide guidance on everything you need to know when applying for your mortgage. 

What do I need to think about?

When applying for a new mortgage there are some important aspects to consider. Most importantly, you may be unsure if you can afford a mortgage. To determine this, you will need to assess your income, the amount you have saved for a deposit, your expenses and your local housing market. The quickest way to assess these figures is to use a mortgage calculator. Your affordability is also determined by the amount of deposit you can afford against the value of the property. 

If you are moving home and either have a good deal on your current mortgage or are tied in to your current mortgage with exit penalties, you may want to consider ‘porting’ or transferring your mortgage from your current property to your new property. Porting can be cheaper and easier than leaving your current mortgage for a new deal in some cases, but there are many terms and conditions to consider – our advisers will provide support to assess if this is a suitable option for you.

How we can help

From initial discussions of the options open to you and providing you with all the information you need, our advisers will guide you through every step of the process regularly, keeping you informed and liaising with you to ensure your mortgage application progresses smoothly. Our team are here to support you with any enquiries and help you may need with your application, so that you can stay on track to meet your goals. We have access to exclusive deals you will not find anywhere else and work with over 50 lenders to identify the best deal tailored to you. We will keep you updated with a clear timeline from initial call to offer, keep you informed of costs and guide you through until your mortgage is in place. We will also review protection options for you to ensure you can stay in your home.

At Saffron Mortgage Finders our clients are at the heart of everything we do.

We bring with us many years experience, helping our clients navigate the options available to them through clear information and guidance for their mortgage and protection needs. With access to products from over 50 of the UK's best known lenders & providers, we can ensure we find the right outcome for you. With reduced fees for Saffron Building Society Members.

Speak to our friendly team