Home movers
Porting versus a new mortgage, borrowing more, and keeping a chain moving.
Find out more →Crosby
Mortgage adviser in Crosby
I am based in Waterloo, just down the road, and Crosby is one of the areas I work in most. Whether you are moving up the ladder, buying your first place, or your fixed rate is coming to an end, it starts with a straightforward conversation.
Crosby covers a lot of ground and a lot of price brackets, from the terraces nearer Waterloo through the family semis around the village to the larger detached houses towards Blundellsands and Little Crosby. What people are trying to do here varies just as much, so the advice should too.
A good number of my Crosby clients are moving rather than buying a first home, which brings its own questions: whether to take your existing mortgage with you, how much you can genuinely borrow next time, and how to line up a sale and purchase without the chain falling apart.
Areas covered around Crosby
- Crosby
- Blundellsands
- Brighton le Sands
- Thornton
- Little Crosby
- Waterloo
- Formby
Moving home in Crosby
Moving is the point where most people over-borrow or under-plan. I will show you what is affordable rather than just what is possible, check whether porting your existing mortgage beats taking a new deal, and be honest if the numbers only work at a stretch. If your sale and purchase need to line up, I will keep talking to your solicitor and the lender so nothing stalls at the wrong moment.
What I most often help with in Crosby
Remortgaging
Coming off a fixed rate, or releasing equity for an extension rather than moving.
Find out more →First-time buyers
Getting onto the ladder in a competitive area, with a clear view of the real monthly cost.
Find out more →Common questions
Do you cover all of Crosby?
Yes, including Blundellsands, Brighton le Sands, Thornton and Little Crosby. I am based in Waterloo, so it is all very local to me.
Can I take my current mortgage with me when I move?
Often, yes. Many mortgages are portable, which can mean keeping your rate and avoiding early repayment charges. It is not automatic though, and it is not always the better deal. I will compare porting against a new mortgage properly.
How much can I borrow to move up the ladder?
It depends on income, existing commitments, the equity in your current home and the lender. I will give you a realistic figure early, rather than an optimistic one that falls apart at application.
Please note: This website is for information only and does not constitute mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Reviews
What clients say
Genuine reviews from Craig's Google Business Profile.
“Brill advisor helping us with our first house 👌”
“Makes the process really easy for you, will advise and help with any queries during the buying process which was a big help.”
“Highly recommend Craig to anyone, helped me and the missus with our first house, called us to explain things every step of the way and put our minds at ease when we were worrying we’d never get accepted for a mortgage as first time buyers. Very knowledgable and professional, always offering support when needed. Appreciate it Craig, all the best!”
Looking for a mortgage in Crosby?
Get in touch for a free, no-obligation chat about your options. I'll explain everything in plain English and take it from there.