Are you looking to move?

At Mortgage Brokers Scotland we believe your journey should be one of simplicity, choice and expertise.  Whether you are selling for the first time or an experienced home mover we offer a service dedicated to your needs and requirements. We understand that there are many considerations to make before you commit to selling your home and moving on; we are here to help you every step of the way. 

Mortgage lending criteria is constantly changing and it may have been some time since you last reviewed your mortgage options.  Therefore its important to take advice before getting serious about your move. Our aim is to put you in the best position to proceed once you receive an offer on your own property and are ready to make on offer on your new purchase.

Getting started

We will help you understand all costs associated with buying and selling your property and when you need to pay them. This could include;

Lender charges

Protection costs for your mortgage, yourself and your property

Solicitors fees

Estate agency fees

You will need to know how much your property is worth and what estate agency fees will be payable.  Mortgage Brokers Scotland can refer you to one of our partners to arrange a market appraisal of your current property and help find your new home.

Choosing the right Legal Services

We understand that instructing the right professionals to assist with your sale and purchase is essential. We can put you in touch with a recommended solicitor devoted to working solely for you.

The solicitor will charge a fixed professional fee which they will communicate to you directly. It is highly beneficial to choose a solicitor in advance in order to budget precisely what you are going to spend from the outset. The legal/conveyancing services we recommend are not part of Mortgage Brokers Scotland and you can still choose to nominate your own solicitor if you wish. Conveyancing is not regulated by the Financial Conduct Authority.

Selling and searching

Everyone has different needs and requirements for their next move and we are here to help make sure your experience is as stress free as possible. We understand that selling your current home and finding the right property to move to can take some time and there will be important decisions to make along the way. We will support you throughout the process and be on hand to answer any questions. 

Next steps

Once you have sold and found your next property your we will submit the full application to the mortgage lender with all supporting documentation, details of the property you wish to purchase and the solicitor you will be using. The mortgage lender will review your application and carry out the necessary checks to satisfy their lending criteria. Once all checks have been completed and a satisfactory survey received the lender will produce your mortgage offer. A copy will be sent to you, your solicitor and us.

Getting ready to exchange contracts

Once your solicitor has carried out all of the necessary searches on your new property solicitors from both sides will be getting ready to exchange contracts. Depending on how many people are involved in the chain this may take some time for all parties to be in a position to proceed. Make sure you have your buildings insurance in place for exchange of contracts (we will have already discussed this at your appointment). These contracts are legally binding so make sure that you are totally prepared to go ahead.

You may need to book a professional removal firm to help you move. You should also contact the utilities companies in advance to make sure that you have gas and electricity, and a phone/internet connection ready for when you move into the property (we can help with this too if required). Make a start on the list of companies you will need to inform of your new address, you may also need to ask the Post Office to redirect your mail. 

Moving Day has finally arrived!

On completion all funds will have been released to the relevant parties and you will get the keys to your new home! 

We understand that your personal circumstances and financial requirements may change over time, so our team will stay in contact to provide continuous support for as long as you need us.