What type of Mortgage do you require?
- A First Time Buyer
- A Home Mover
- Purchasing or re-financing a Buy to Let
- A Let to Buy
- A Commercial Mortgage
- Help to Buy
- A Shared Ownership
- A Self- Build Mortgage
We can assist you Call on 01621 767200
Things to Consider
You may need to move for a number of reasons:-
- Your First Home
- A growing family
- Relocation due to work commitments
- Downsizing as children leave home
Buying a property is probably the biggest purchase you will ever make. Before you make significant inroads into the buying process, ensure you obtain an Agreement in Principle. This is still subject to checking your income, and expenditure.
Porting your current mortgage
You may have already got a mortgage on your current property which you may be able to port into your new property. This is only possible if your current mortgage lender will allow you to borrow the amount you need. They do not have to agree to a new mortgage, especially if you fall outside of their lending policy.
What do you need to Budget for?
Whilst assessing your budget you also need to account for other costs involved in buying and selling a property. Typically these are:
- Estate Agent Fees
- Solicitors fees (and disbursements)
- Stamp duty
- Property valuation or survey fee
- Mortgage arrangement fee
- Estate Agent Fees
These can vary enormously within towns across the UK. You should compare costs between agents and look at the services the agent is looking to provide.
These again can vary from Solicitor to Solicitor, but will include the cost of the Solicitors time, along with a selection of fees payable, such as Land Registry Fees, Property Searches, Local Searches, and other related fees.
This is the tax you pay to the government on property purchases. It is payable on property purchases of £125,000 and over. The rates payable are tiered according to property value.
- Up to £125,000 – Nil
- £125,001 – £250,000 -1%
- £250,000 – £500,000 – 3%
- £500,001 or More – 4%
- £1,000,001 or More -5%
A basic Report and Valuation is normally organised via the Mortgage Lender, however if you require a more detailed valuation report, such as a Homebuyers or Full Structural Survey you can organise these yourself or there may be a discount for using the lender’s surveyor.
Before you contact us why not checkout some of our customer feedback below:
For more customer feedback please visit our Feedback page.
“I would like to thank you for all your brilliant work dealing with this matter – you have been superb.”
M & H J from Latchingdon, Maldon, Essex.
“I would like to say thanks for helping to sort the re-mortgage. It was a pleasure and thank you for being
so efficient and on top of everything.”
K & I G from Ware, Hertfordshire.
“An excellent and professional service.”
C & K M from St Lawrence, Maldon, Essex.
For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.
ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.
Abridge, Althorne, Ardleigh, Arkesden, Aveley.
Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.
Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.
Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.
Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.
Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.
Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.
Kelvedon, Kelvedon Hatch.
Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.
Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.
Navestockside, Nazeing, North Fambridge, Northey Island.
Old Harlow, Ongar, Orsett, Ovington.
Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.
Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.
Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.
Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.
Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.