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Tamworth: 01827 230 760
Birmingham: 0121 448 0161
enquiries@sjfinancialsolutions.co.uk
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Purchase

If moving home is on your agenda this year, then it may be an idea to explore your options and check affordability before you put your house on the market.

How SJ Financial Solutions Can Help You

Due to regulation changes in 2014, lenders now look at the maximum you can borrow in a very different way to how they would have done previously and they now require more detail now than ever before to come up with that answer.

Your personal advisor will review your information and discuss with you the options that are available to you as well as giving you a realistic idea of what you are comfortably able to afford and the costs involved.

It is important to us that you can comfortably afford the repayments on your mortgage now and for the foreseeable future. If you want to know what you can borrow and how much it will cost, call the team now or fill in the contact form and we will call you back.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Request a Call Back

Would you like to speak to one of our mortgage advisors over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.

For Businesses: Do you have questions about how our advisors can help your company? Send Amanda an email and she will get in touch or phone 0121 448 0161 between 09:00 and 17:00 on Monday to Friday and she will be delighted to have a chat with you.

Note: Your details are kept strictly confidential as per our Privacy Policy. A link to this can be found in the footer. By submitting your information you agree that you have read this and that you agree to its contents.
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Your home may be repossessed if you do not keep up repayments on your mortgage.

Here's What You Need to Know

If the thought of moving home has crossed your mind this year, it's essential to take a step back and consider your options thoroughly. Moving is a significant life decision, and ensuring it's the right move for you involves careful planning and consideration.

Assessing Affordability

Before diving headfirst into the moving process, it's crucial to assess your financial situation and determine if moving is financially viable. Consider factors such as your current savings, income stability, and potential future expenses. Additionally, take into account the costs associated with buying a new home, such as down payments, closing costs, and monthly mortgage payments.

Exploring Housing Market Trends

Understanding the current housing market trends is essential for making informed decisions about buying or selling a home. Research local market conditions, including home prices, inventory levels, and days on market. By staying informed about market trends, you can better gauge when the timing is right to buy or sell.

Budgeting for Moving Expenses

Moving expenses can add up quickly, so it's essential to budget effectively to avoid any financial surprises along the way. Consider all potential expenses, including hiring movers, purchasing packing supplies, and utility transfer fees. Creating a detailed moving budget will help you stay on track and avoid overspending.

Researching Potential Locations

When considering a move, researching potential locations is key to finding the right fit for your lifestyle and needs. Research factors such as cost of living, job opportunities, school districts, and recreational activities. Visiting potential neighborhoods in person can also provide valuable insights into what it would be like to live there.

Reviewing Mortgage Options

If buying a new home is part of your moving plans, it's essential to review your mortgage options carefully. This is where SJ Financial Solutions can help you and, ultimately, become indespesable in your moving process. We can advise on different types of mortgages, such as fixed-rate and adjustable-rate mortgages, and consider which option best suits your financial situation and long-term goals. 

Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently Asked Questions

You can use online tools, consult with a real estate agent, or research recent sales of comparable properties in your area to estimate the value of your home.

To reduce moving expenses, consider decluttering before you move, comparison shopping for moving services, and packing items yourself instead of hiring movers to do it.

If you're unable to sell your current home before moving, consider renting it out or exploring alternative housing arrangements until it sells.

Customer Testimonials

Your home may be repossessed if you do not keep up repayments on your mortgage.

SJ Mortgage Solutions Ltd is a company registered in England and Wales with company number 06008117. Registered Office: Offices 7 & 8, 8 Ladybank, Holloway, Tamworth, England, B79 7NB
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The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore tageted at consumers based in the UK.
SJ Mortgage Solutions Ltd trading as SJ Financial Solutions, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £149 to £750 and this will be discussed and agreed with you at the earliest opportunity.
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