Helping you with the process
So, you’ve outgrown your first home, or you are now working from home and need a bigger space, or the kids have got bigger, maybe all three! OR maybe your house is now too big and you want to downsize to a house by the beach! Thing’s have changed since your last mortgage so we at Cleere Mortgages are at hand to help you through this process.
We would be happy to meet for a brief chat whenever suits you, whether it’s through Zoom, or an evening meeting.
How Much Can I Borrow as a Next Time Buyer?
Central Bank Rules will now apply and so how much you can borrow will be based on your income, your house price, and your affordability.
You can borrow a maximum of 80% of the value of the property.
The amount you can borrow also depends on what you can comfortably afford to repay monthly.
Benefits of Trading Up / Moving Home
By trading up, we can source the most competitive quotes for you including Variable & Fixed rates.
Repayment term can be up to 35 years, subject to your age.
We are happy to hold you hand in the trading up/down process
Talk to us about Trading Up / Moving Home
| WARNING: If you do not keep up your repayments you may lose your home. |
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| WARNING: You may have to pay charges if you pay off a fixed-rate loan early. |
| WARNING: The cost of your monthly repayments may increase. |
| WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. |