Home Mover

Advice, reassurance and support, every step of the way.

At TGD Mortgages, we understand the stresses and strains of home purchase.

We will guide you through the mortgage process and ensure that all parties are kept informed and updated on progress.

We will liaise with lenders, surveyors, estate agents and solicitors to ensure your purchase completes as smoothly as possible.

We will begin by assessing how much you may be able to borrow, and then we'll find the most suitable mortgage product to suit your individual circumstances.

We offer whole of market advice, specific to your circumstances. We appreciate that mortgage availability and rates change daily, as does the criteria the lenders use to determine how much they will lend to and whom. We will ensure to keep on top of these constant changes, ensuring that you benefit from the competition between lenders by securing the right deal for you.

How much stamp duty will I pay?

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Home Mover FAQs

  • The amount you can borrow depends on factors such as your income, outgoings, credit history, and the lender’s criteria. At TGD Mortgages, we assess your situation and provide whole-of-market advice to find the best mortgage for you.

  • We start by assessing your affordability and securing an Agreement in Principle (AIP). Once you have an accepted offer on a property, we submit your mortgage application, liaise with lenders, surveyors, and solicitors, and keep you updated at every stage until completion.

  • Yes, this is called “porting” a mortgage. Some lenders allow you to transfer your existing mortgage to a new home, but it depends on their terms and conditions. We can help you determine if porting is the best option or if switching lenders would be more beneficial.

  • In addition to your mortgage, consider costs such as stamp duty, solicitor fees, survey fees, estate agent fees (if selling), and potential early repayment charges on your existing mortgage. We can help you budget for these expenses.

  • Stamp Duty Land Tax (SDLT) is a tax paid on property purchases above a certain price threshold in England. The amount depends on the property price and your circumstances (e.g., first-time buyer, additional property). We can calculate your stamp duty costs based on your property value.

  • The mortgage process typically takes 4-8 weeks from application to approval, but it can vary based on lender turnaround times and legal processes. We work to ensure a smooth and efficient process to help you complete your purchase as quickly as possible.

  • If your financial situation changes (e.g., job change, income fluctuation), it’s important to speak to your mortgage adviser as soon as possible. We can review your options and help you navigate any challenges that arise.

  • Yes, a solicitor (or conveyancer) is required to handle the legal aspects of buying and selling a home. We can recommend trusted solicitors to assist you.

  • Yes, there are mortgage options available for those with less-than-perfect credit. Some lenders specialize in adverse credit mortgages. We’ll assess your situation and find the best lender for your needs.

  • We offer expert guidance, whole-of-market advice, and a stress-free experience by liaising with lenders, estate agents, surveyors, and solicitors on your behalf. Our goal is to secure the best mortgage deal tailored to your needs.

Moving home? Let TGD Mortgages take the stress out of the process.

With whole-of-market access and expert guidance, we’ll secure the best mortgage for your needs. Contact us today for a free, no-obligation initial consultation and move forward with confidence.

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Read our Google customer reviews

  • Amanda Rolfe

    “Amazing service! Tom is super helpful and really easy to speak to which counts for a lot with me :). Cannot recommend him more and have already given his number to a work colleague!”

  • Ruth Hadley

    “From start to finish Tom was extremely attentive and he was always there at the end of the phone if I had any questions. Tom is very knowledgeable and I would certainly recommend him to any of my family or friends. He is very personable and very down to earth. Thank you for all your help (and patience)!”

  • Sam Crow

    “Tom provided excellent advice and support throughout my remortgage and transfer of equity. He was a huge help at a stressful time, can't recommend him enough.”

  • Chloe Yorke

    “Tom does all my mortgages! Buy to let and personal. He knows his stuff! Also just a nice trustworthy guy who will go out of his way to help.’

  • boqer123

    “Was having a hard time getting a mortgage through my bank, so a friend of mine put me onto Tom with TGD Mortgages. He instantly reassured me, and within a short meeting and some info, he managed to secure us a mortgage for the amount we were after. He's got great knowledge, always guides you the right way and has offered some really valuable advice. Highly recommend, especially if you're a business owner or self employed.”

  • Francis Fellows

    “Fantastic service, answered all my questions quickly and was extremely helpful! Would 100% recommend”

  • Sam Hemmings

    “I can’t recommend TGD Mortgages highly enough. Tom was professional, knowledgeable, and always available to answer my questions. If you're looking for a mortgage advisor near Stonehouse or Stroud, I can strongly recommend. They went above and beyond to secure the best deal for me and provided expert guidance tailored to my needs. Thanks for your help!”

  • Chloe Tabberer

    “Tom has been great from the get go. He provided our mortgage in principle at a very speedy rate, which sped up having our offer accepted on a property. He then did our mortgage application within a matter of a working day.”

  • Michele Carboni

    “Tom was super helpful in helping me and my wife securing a mortgage despite me having just changed job at the time. He also supported us with all the insurances and with finding a good solicitor! He was also really patient with all our silly questions, being first time buyers :)”

  • Pete Soteriou

    “Tom has been an exceptional mortgage adviser for us as first time buyers. He's left no stone unturned and has been professional throughout. I couldn't recommend him more.”

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