Home Mover Mortgages

Selling and buying a home can be a daunting experience. After death and divorce it ranks as the 3rd most stressful moment in people’s lives. So we’re here to help you cut through the jargon and complexities of the home buying process. As soon as you decide to move you speak to us to understand your financial parameters and the timescales involved.

Advice from an award winning & industry respected adviser
All paperwork & jargon explained & handled for you

Guidance & support till completion & beyond

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We offer a wide range of mortgage options for home movers.

The mortgage market is ever evolving where new rates, schemes and criteria changes are a daily occurrence in this fast-paced field. Our job is to keep pace with the changes and provide you with accurate and relevant advice based on your circumstances and what’s right for you. We pride ourselves in quickly identifying solutions to your needs and providing a personal service.

  • Mortgages up to 95%
  • Up to 6 times gross income for certain professions.
  • Keep existing home and buyer another
  • Chain breaking techniques
  • Minor adverse credit history acceptable subject to credit score

Why choose us?

These are just a few reasons why you should choose Chess Mortgages for your next home move.

Experienced advisors

We’ve been advising clients on mortgages for over 40 years.

We move fast

No need to wait; we respond & process applications quickly.

Whole of market

We scour UK lenders, private banks & offshore lenders for deals.

What you need to know…

Do you charge a fee?

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Do you offer mortgage protection?

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Who or what is a home-mover?

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Do home-movers get good rates?

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Can parents provide assistance?

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My Parents are providing me with a significant gift to buy our next home. How can they protect their gift should my marriage fail?

You must tell us from the outset if this is a concern. We can suggest ways how your parents can safeguard their gift to you. It’s a delicate subject but it can be done.

I have a Student Loan – will it affect my mortgage eligibility?

Yes. Indeed all loans and credit commitments have to be declared at outset. The payments to these commitments will be factored in when calculating maximum loan eligibility. It’s often best to eliminate all debt to avail maximum loans. Some lenders lend more than others for the same income so we have software that interrogates all the lenders for a maximum loan figure and we match you to the most suitable lender for your circumstances.

I have some missed and late payments showing on my credit file. Can I still get a mortgage?

Lenders are very understanding these days. As long as the entries are historic or have been cleared/dealt with lenders will look to lend. You must monitor your credit score and learn how to keep it rising. CLICK HERE to access your credit file.

Could I keep my home as a Buy to Let and buy my next home?

Yes. It’s a popular strategy to start building a portfolio with each successive move. The figures need to work out and this is where a private consultation helps in understanding the numbers and risks as well as the long term awards. We will explore strategies to build up and preserve wealth for the next generation.

My estate agent is forcing me to use their broker who I fear is inexperienced and may not be able to help me.

Estate Agents are regulated not by law but a code of practice. Under this practice they cannot force you to use their in-house adviser or threaten not to give you the property. You have the right to object and complain. Whilst most agents do not do this there are some firms that rely on forcing buyers to use them for their services and rely on your FOMO on the property. Sadly regulation is still years away and your complaint may fall on deaf ears. We often intervene in these cases and provide evidence to the estate agent that our Client has an Agreement in Principle and has everything in order to proceed quickly.

Should I get an Agreement in Principle (AIP) before I start my search?

Most definitely. You will have peace of mind knowing you’re pre-approved in principle for a mortgage and you show your AIP to any agent to show you are not a time waster.

Can I call you to get some advice even if I don’t use you for your mortgage service?

Yes. We like to help where we can and for any informal pointers simply email us on sales@chessmortgages.co.uk and we will reply as soon as possible.

What our clients say…

"Excellent service and I would highly recommend to others"

Had the pleasure of instructing Chess Mortgages. Jaz was incredibly professional and impressive in her handling of my remortgage application. My application was dealt with within a week! Excellent service and I would highly recommend Jaz to others. Thank you Jaz!

Shaida Hussein

"Award winning mortgage advisors & I can see why"

Bob stepped in at very notice to assist us when we were in danger of missing out on our perfect home. We were impressed with advice we'd seen Bob provide on a forum, which was clear and sensible. It was later we found out that Chess are award winning mortgage advisors and I can see why.

Iftikhar Ahmad

"Chess was by far the best decision we made in looking for a mortgage"

I can't thank Jaz and Bob enough for their efforts in helping my wife and I in secure a mortgage. The process was effortless and they took weight off our shoulders. Having gone through getting a mortgage a number of times, I can safely say using Chess was by far the best decision we made. I will be using them again.

Shamit Rooproy

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Get in touch

Speak to an adviser today via a free, no obligation consultation.