Next Move

Features and Benefits of Next Move Main Residence Mortgages

• Borrowing up to 90% of property value
• Minimal underwriting requirements if below 75% loan to value required 
• Self certification of income for self employed up to 75% loan to value
• Interest Only available
• Flexibility allows overpayments, underpayments, payment holidays
• Interest calculated on daily balance
• Discounted and fixed rates normally available
• Flexibilty of underwriting where appropriate

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If you are moving home and have an existing mortgage on your property and need a mortgage on your new property you may have the option to take your existing mortgage with you from your present lender. This is called portability and can often be a feature in Home Loans. This could be important if you otherwise become liable for a penalty for repaying your mortgage prematurely.

However, you may have taken out your existing mortgage some time ago and it is worth while finding out if there is anything better. The financial sector is becoming innovative all the time and looking for ways to attract new business by way of special deals including discounted interest rates and fees free mortgages. Your circumstances may also have changed so that you qualify for products that were not available or accessible when you took your last mortgage.

ACL has access to the whole market and will happily undertake a review of what is currently available having first carried out a fact find in accordance with FSA regulated procedures.

ACL has your best interests at heart and will give you free advice and recommendation with a Key Facts Illustration for you to consider in your own time.

Have you considered that this could be a good opportunity to get into the Buy to Let market by retaining your present property for letting, if suitable, and raising the extra funds you would have received from its sale to make up the difference you will need to buy your new residence?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgage Protection Insurance provides cover against unforeseen eventualities that could affect your ability to maintain repayments on your mortgage such as death, illness, accident or unemployment.