Moving House Costs?

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MDJ Mortgages, Moving House Mortgage Specialist

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Moving House Costs

Moving house or buying a home for the very first time? At MDJ Mortgages, we can provide you with a mortgage decision in principle and enable you to start the house buying process.  We are based locally in Basingstoke and will support you throughout the buying process and beyond.

Whether you are employed, a sole trader or a limited company, we will help you navigate through the stress and potential pitfalls of purchasing a property, with a mortgage service that is as comprehensive at is personalised to your needs.

There are lots moving house costs to consider these include:

  • Deposit
  • Solicitor or Conveyancer fees
  • Property Surveys
  • Stamp Duty
  • Insurance
  • Moving costs (van or company hire etc)

 We are able to provide quotes and recommendations for solicitors and surveyors, set up insurances and support you through the whole house buying process. Our service doesn’t stop once the mortgage offer is in, we will continue to oversee the whole process on your behalf, contact us today to discuss your options and learn more about moving house costs

Moving Home Costs

There is a lot of other things to think about when you are moving home too, from getting your post redirected to organising packing boxes. 

A Moving House Checklist works well to ensure that nothing gets forgotten about! Take the stress out of moving Download one from Which! here 


House Mover Frequently Asked Questions

Yes, in some cases, you may be able to transfer your existing mortgage to a new property. This is known as “porting” your mortgage. However, it depends on your lender’s policies and your eligibility. You will need to contact your mortgage provider to discuss the options available to you.

A mortgage agreement in principle, also known as a mortgage pre-approval, is a preliminary assessment by a lender to determine how much they might be willing to lend you. It is based on an initial review of your financial situation, credit history, and affordability. An AIP can help you understand your budget and give you a better idea of what you can afford when looking for a new home.

A fixed-rate mortgage means that the interest rate remains the same for a specified period, typically 2, 3, 5, or 10 years. This provides stability and predictable monthly payments during the fixed-rate period. On the other hand, a variable-rate mortgage has an interest rate that can fluctuate over time based on market conditions. This means that your monthly payments may change during the mortgage term.

A mortgage deposit is the upfront amount of money you contribute toward the purchase price of a property. It is typically expressed as a percentage of the property’s value. The minimum deposit required depends on various factors, including the lender’s policies, the type of mortgage, and your financial circumstances. Generally, a higher deposit percentage can lead to better mortgage terms and potentially lower interest rates.

When obtaining a mortgage, there are several fees and costs to consider. These may include application fees, appraisal fees, solicitor or conveyancer fees, mortgage arrangement fees, valuation fees, and potentially other administrative costs. It’s important to review and understand all the associated fees and costs before finalizing a mortgage agreement.

Depending on your lender’s policies and your financial situation, you may be able to borrow additional funds on your existing mortgage when moving to a new property. This is known as a “further advance” or a “top-up” loan. You will need to discuss this option with your lender to determine if you meet the criteria and understand the terms and conditions.

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Moving House Costs

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