Mortgages for Moving Home

AL Mortgages is a local Liverpool based and fully regulated Mortgage Broker firm. We have full access to the whole market with deals from all the major lenders. The market may have changed a lot since you last bought your home so it is important to get professional help when applying for a new mortgage or transferring an existing one. 

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Experienced Mortgage Broker
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Free Initial Consultation
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Local Liverpool Based Company
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Expert Mortgage Advice
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Fully Regulated & Experienced Brokers
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Telephone or Face to Face Appointments
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5 Star Rated Broker

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You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements

A Guide to Mortgages for those Moving Home

People often get confused about what they should do first when it comes to selling and buying on. This page should clear up some of the questions you may have. In theory, there is no “right or wrong” way to do things but we’ve found, in our years of experience, that the steps we’ve put together here are usually the most fool proof.

There are lots of other things you will need to consider as well but they will usually be unique to you and your circumstances. We are here to help and only a phone call away if you get stuck or want a question answered. We don’t only help with your mortgages but we will help with everything else too.

The best way to start is by calling us on 0151 459 9826 or by leaving your details in the callback form so an expert can call you and talk you through it for FREE.

Let’s start right now with 8 simple steps.

Step 1 - Get a Valuation

You’ll need to understand how much your house is worth before you do anything. Without this it’s hard to work out what your options are…
Most local estate agents will offer a free no obligation valuation
Book a local estate agent to come out and give you an up to date valuation along with their selling fees.

Step 2 - Investigate your options

Speak with a Mortgage Expert to find out:
What are the costs of moving or buying?
How much you can borrow?
How much you can buy for?
How much your monthly repayments will be?
Get an Agreement In Principle from your AL Mortgage Solutions expert

Step 3 – Instruct an Estate Agent

You had it valued, now it’s time to put the property on the market. The Estate Agents will:
Take photos of your property
Run through your contract
Get your property online
Find you a buyer.

Step 4 - Find Your Dream Home

This is the fun part. Get yourself out there and view as many properties as you can…
Arrange viewings with Estate Agents
Negotiate on the property (don’t forget to start low. You can always go up but you can’t come down)
Agree a deal with the seller

Step 5 - Time to Apply

We will give you advice and submit all the applications on your behalf.
Apply for your mortgage and protection
Instruct your solicitors – we can help put you in touch with a local solicitor we work closely with to ensure everything runs smoothly
Your Mortgage expert will send off all your documents to the lender for them to review

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Step 6 – Mortgage Offer

The importance of dotting the i’s and crossing the t’s. Make sure there isn’t a stone left unturned. Once your survey has come back and documents accepted form the lender, a full mortgage offer will be produced
We will review your mortgage and protection arrangements with you to make sure you’re happy with everything.

Step 7 - Exchange Contracts

This is a vital part of the process and it’s all legally binding. We will help you get to this period as quickly as possible.
Before you exchange you’ll need to sign a mortgage deed, a contract and a transfer of equity form
This is when your deposit is lodged with the solicitors and it becomes legally binding… Time to relax!

Step 8 - Completion

This is the most existing part of the process… Time to take the first walk in your lovely new home!
This will usually happen a week or so after exchange however, it might be longer depending on others in the chain or if it’s a new build
Time to pick up the keys, put the kettle on and have a cuppa in your new home!

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

Our Mortgage Products

Read more about the different Mortgage products we can offer. 

First Time Buyers

Buying your first home? Look no further, AL Mortgage Solutions are here to help to make this exciting time as enjoyable as possible for you. 

Mortgages for first time buyers

Remortgaging

If you are approaching the end of your fixed term or simply just want to switch your mortgage for the best rate, we can help you.

Remortgaging your home

Buy To Let

Buy to let Mortgages are increasingly popular with investors choosing to buy property rather than saving with low interest bank rates.

Buy to let mortgages

A Personal, hassle free aprocess.

“We know the stress and hassle surrounding buying a new home, retmortgaging your existing home or making your first step onto the property ladder. Our team do everything we can to take that stress away to help you enjoy your new home.

With a personal approach for each of our customers with your own dedicated mortgage broker to answer any of your questions and provide you with the support to ensure a seamless Mortgage application and funding process. “

Alex Leppert

Owner & Mortgage Broker, AL Mortgage Solutions

What our Customers Say

Don’t just take our word for it, read what our fantastic customers have to say about their experience with AL Mortgage Solutions. 


neave brennan
neave brennan
14/05/2024
Such an amazing service and team ! Made a stressful time so relaxing and no question felt too silly to ask ! Would 100% recommend AL MORTAGE 👍🏾
Emma Hanson
Emma Hanson
09/05/2024
Victoria is a wonderful adviser! She really explains everything and has helped me so much. She made sure I have the right life policies in place as other advisers in the past didn’t even bother talking to me about it. Thank you so much Victoria 😊
Shaun Coakley
Shaun Coakley
27/04/2024
Everyone we dealt with was great throughout the process of buying our first house. Explained everything clearly and they were always there to answer any questions, even after the purchase was done. When things started to move fast through the process Alex was happy to give us a phone appointment even though he was abroad on holiday. Couldn't be happier with the service we received and can't recommend them enough!
Charlotte Davis
Charlotte Davis
14/04/2024
Alex and his team are brilliant. Navigated us through 2 of the most challenging years of our lives and as attempted to sell our home and buy a bigger property. We hit hurdle after hurdle with circumstances that were beyond our control but Alex and his team were always the calm we needed when we need to change budget or lend more money. They made the entire process of applying for and getting approved for a mortgage stress free and were also flexible and very patient when we asked questions. Thanks for all you do! Highly recommended. Posting this as we did our house warming this weekend.
Paige Wilson
Paige Wilson
11/03/2024
10/10 service and would 1000% recommend. We contacted Al Mortgage Solutions last year on a whim to get a better understanding of our circumstances. Alex sat down with us and went through everything, we came out of the meeting with no questions unanswered and ready to start looking for our first home. Our offer was accepted three weeks later and we completed 6 months after that. It's been a longer process than we would of liked but Alex and his team have been on hand through out the whole process to answer all of our questions no matter how stupid or small. Alex and the team are simply amazing, I'm sure Beth is was sick of hearing my voice and seeing my name pop up! We honestly couldn't recommend these enough. Thank you all so much! Paige and Paul.
Jake Nuttie
Jake Nuttie
03/11/2023
Excellent service that made re-mortgaging effortless. Alex kept us up to date at all stages and ensure we understood everything, ensuring we got the deal that was right for us and offered us the best value. Sarah arranged life and critical illness cover which again was effortless and now gives the confidence that all aspects are protected. 10/10 fantastic service, would highly recommend.
Alina Dragan
Alina Dragan
11/10/2023
This people are the best. I called them many times , for different reasons, and always I got the best advice, and they helped me at all the time. I recommend them 100% .
Holly Fearon
Holly Fearon
02/09/2023
My partner and I are first time buyers and contacted Alex back in Nov last year after a recommendation from a friend. We had recently moved back from Australia and found out that we had a little one on the way, so buying a house was a huge priority. Having been abroad for 4 years we were told by multiple banks that getting a mortgage would be difficult which is why we contacted Alex. I cannot recommend Alex and his team enough, they where all so helpful and really did their research to find us a lender so we could buy a home for our growing family. Absolutely excellent service and I would highly recommend AL Mortgage solutions for anyone looking to buy a home. Thank you all so much :)
Conor O'Dea
Conor O'Dea
01/09/2023
This is our 3rd mortgage/remortgage now with Alex and the team and as always can’t fault their service. This time round as well Alex stayed on late to get everything over the line for us as the lender announced a rate increase with 12 hours notice. Safe to say Alex got us the cheaper rate boxed, much appreciated as always going that step beyond!!
freshpander man123
freshpander man123
26/07/2023
Excellent service, responsive and friendly