Moving home
Let us take the strain! Enjoy a fast and stress-free experience to get the borrowing you need.
Moving home
Let us take the strain! Enjoy a fast and stress-free experience to get the borrowing you need.
Find the best rate in today’s mortgage market for your needs!
Making mortgage advice simple, ensuring your next move is super-smoth!
Moving home is an exciting journey filled with house viewings, exploring new areas, and choosing new furnishings.
However, the excitement can be dampened by the stress of arranging a mortgage, especially if you have special requirements like non-standard construction mortgages. Whether you’re downsizing, upsizing, or moving into your dream home, it’s crucial to get the right mortgage. Even if you’re familiar with the process, selling your current home can add extra stress. But don’t worry, we’re here to make it as easy as possible.
How it works
How it works
Starting your journey
Planning early is essential. Before finding your dream property, get your finances in order. Knowing your borrowing capacity and having a clear breakdown of moving costs will boost your confidence in negotiations. Additionally, having your mortgage agreed in principle shows you are a reliable buyer.
Things to consider
Preparation and timing are key. Register with estate agents and build relationships with them to be alerted when suitable properties come on the market. Remember, moving home often involves a chain of property sales, so good communication between your adviser, solicitor, and estate agents is vital.
How we can help
Whether you move frequently or haven’t been in the property market for years, our expertise is here to support you. From finding your next mortgage to guiding you through the entire process, we are your reliable and friendly moving partner.
Turning dreams into reality
We believe dreams can come true! Our mission is to help you find the best way to finance your dream home and future lifestyle.
Our Expertise – Industry Knowledge
Our advisers are not only industry-regulated but also undergo regular professional development to ensure their knowledge is up to date. We extend this training to our administrators, encouraging them to take regulatory exams to become qualified advisers.
Personalised understanding
We take the time to understand your financial history and future plans. This means we get to know you well and become part of your team to help you achieve your dreams.
Quality service – moving with the times
We use the latest technologies for great customer service, allowing you to send information and documents quickly and securely. However, technology isn’t everything—it’s important to us that you can speak to your adviser whenever you need to, whether by phone, video call, or in person.
Aspirations – realising dreams
We help you finance your dream home and future lifestyle. From your first home to becoming a landlord, we’re here to support you.
Unusual mortgage needs – specialist borrowing
Not all borrowing fits standard lending criteria. Whether you’re considering an auction property, building from scratch, or unsure about mortgage eligibility, we can help. Unlike some brokers, we have access to specialist lenders not found on the high street.
Ready to speak to a Mortgage Advisor?
Our team provides expert, unbiased mortgage advice. Get in touch today to start your journey toward homeownership.
Find the best rate in today’s mortgage market for your needs!
Frequently asked questions
Frequently asked questions
The amount you can borrow depends on your unique circumstances. Talk to our experienced advisers for a clear picture of what you can afford.
Selling your current property and searching for your dream home can be stressful. Speak with us before putting your home on the market to understand what you can afford and the associated costs.
Porting your existing mortgage to a new property is an option with most lenders. However, competitive rates for new borrowers might make switching lenders more attractive. If you’re still benefiting from a special rate, paying off your loan might incur charges. In such cases, staying with your existing lender might be more cost-effective.
No, you should do what works best for you. Mortgage rates for new purchases depend on the size of your deposit, with better rates typically offered for larger deposits.
Yes, you can purchase jointly with another party. They will undergo the same checks as you. If the deposit is solely funded by the sale of your existing property, discuss this with your solicitor to protect it.
Absolutely. Your family can provide additional funds or help pay fees. Any money received from family should be fully declared and documented.
Selling your home involves deciding whether to transfer your current mortgage or settle it and start anew. Our mortgage experts will advise you on the best option for your circumstances.
Porting your mortgage depends on your circumstances. Sometimes, remortgaging with a new lender might be cheaper. However, if your current rate is competitive, porting could be the way to go. Remember, the lender will evaluate your affordability again.
Using the equity from selling your home as a deposit for your next property is common. Consider using savings as well to influence your mortgage options.
If you’re moving to a cheaper house, you might reduce your mortgage repayments or even buy mortgage-free if you have enough equity.
If there’s a delay between selling your current property and buying a new one, ask us to check if your lender allows you to port your mortgage within a specific timeframe.
Be prepared for additional fees if you decide not to port your mortgage. These could include early redemption charges, exit fees, arrangement fees, booking fees, and valuation fees.
For personalised advice, Frog Financial Management is here to help you navigate your mortgage options and find the best solution for your needs. We are committed to offering tailored mortgage, insurance, and personal protection policies that match the unique aspirations of every client.
The mortgage market can be complex and confusing – that’s why we’re here! Check out our short guide to mortgage types
Mortgages for Contractors can be something of a minefield. Lenders differ in the way they assess a Contractor.
At Frog we work with every client individually. Whether you have just started Contracting or have been for many years, there are lenders out there that will consider your application.
We provide advice for the following Contract workers:
- Self-employed Contractors
- Employed fixed/short term Contractors
- Contractors working under Umbrella companies
- Contractors with only a few months contracting experience
- Agency workers with at least 12 months working history
We already advise business owners and company directors on protecting the things that are most important to them. So, we’re well-placed to advise on the mortgage options if you if you are self-employed.
Lenders will class you as self-employed if you are a sole trader, a partner in a partnership or a company director with an identified percentage shareholding, typically 20% and above.
We can advise you on what you’ll need to supply to verify your self-employed status and with our expert, professional guidance, we can cut through the options and recommend the a suitable mortgage for your needs.
Cutting through the myths of mortgages for the self-employed:
- There are several mainstream lenders who will lend to applicants with just one year’s trading figures, so there is no need to wait if you have recently become self-employed. However, the majority will want two years trading figures.
- In general, lenders will work off the average of the last two years’ income figures:
- For sole traders, this is the average of your last two years’ net profit (after all costs and expenses have been deducted from your turnover)
- For limited company directors, lenders will use a combination of salary and dividend income
- Some lenders will use salary and share of the net profit from a business, if you are a limited company director. If a director is not receiving all the profits available within the business, this option can yield greater affordability, if needed.
You’ll have access to all the same mortgage products available to employed applicants.
Frog Financial Management has specialist knowledge in the large loan mortgage market and many of our clients require borrowing in excess of £1,000,000.
Whether this is on a residential, investment or commercial property, we have extensive knowledge and contacts within the large loan arena. We have developed contacts with the lenders who understand and operate in this demanding marketplace.
We are able to advise on the options for your needs to achieve the level of borrowing you require.
Commercial lending is referred to a third party. Neither Frog Financial Management or The Right Mortgage Ltd are responsible for the advice received.
An interest-only mortgage gives you cheaper monthly payments on your home loan but you are not actually paying back any debt.
At the end of the mortgage term you will still owe your lender the amount that you borrowed, and therefore you need to have plans to repay this at the start of the loan. A repayment mortgage clears the debt by the end of the mortgage term. New regulatory requirements stipulate that lenders can provide interest-only mortgages, only if there is a credible strategy for repaying the capital.
Despite this, the majority of mortgage lenders have chosen not to offer interest-only residential mortgages, and where lenders do offer these mortgages, there is strict criteria to meet, before a lender will offer your mortgage on this basis.
This is why it is very important to seek advice when considering an interest-only mortgage, we are here to help.
Discount, Variable and Base Rate Tracker mortgages may mean your monthly payments will be lower compared to Fixed Rate Mortgages.
Lower payments when you need them most! You could take advantage of some of the lowest mortgage rates around.
An Offset mortgage allows you to offset savings balances to pay less interest on your mortgage. Think about it, you could pay off your mortgage earlier, saving you thousands of pounds!
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Some of our Google Reviews
I cannot recommend them any more highly.
We will definitely be using his services again in the future!
I would highly reccomend Frog Financial to anybody about to embark on the complicated process of house buying and the necessary insurances!
The service felt personal, thorough and genuinely supportive. We ended up with a great deal and a smooth process from start to finish.
Would recommend Frog to anyone looking for a proper, reliable mortgage advisor.
I would highly recommend this firm to anyone one of my friends and family.
Even though our situation changed and we didn’t end up moving forward with the loan, we are grateful for all the help received. Their professional and supportive approach made a difficult situation easier to navigate. We would highly recommend Frog Financial to anyone seeking sound financial advice.
Ruth was also fantastic at following things up for us and keeping us informed of how applications were progressing.
Would definitely recommend Frog to anyone looking for a mortgage or insurance.
Estoy muy agradecido con Danni por su invaluable ayuda, ha sido una gran experiencia.
As FTB, it is a daunting process, with a lot of questions from us on the hows, whens, and whats. Greg made this less so, answering all questions clearly, and helping us to understand things. Not only this, Frog helped us to find the best rate available to us.
Lastly, Greg & Danni helped us to understand which personal insurance policies were best for us, taking the time to explain in layman's terms how each one could benefit us (or not), depending on our needs.
All in all, Greg & Danni have been a valuable part of our mortgage journey, and I would not hesitate to work with them again in the future.
Greg was extremely knowledgable and made a daunting process significantly easier - he was friendly, extremely clear and answered any questions or concerns we had throughout the entire process.
Greg really listened to our circumstances and it was clear he wanted an outcome for us that fit our needs, there was never any sense of trying to upsell or push us towards something that did not fit our needs and we reached an outcome we were extremely happy with.
Greg’s approach was extremely fair and it was clear that Frog Financial is far more interested in building a lasting relationship ship with their clients. I would not hesitate to approach Greg and Frog Financial again and will absolutely be using their services again when we come to our next application!
Would highly recommend to anyone looking for trustworthy and efficient financial advice.
The whole experience has been fantastic, professional, efficient, and stress-free. The member portal is another great addition, making everything even more accessible and straightforward.
I was so impressed that I even told my solicitor to recommend Charley to her clients. If you’re looking for someone who truly goes above and beyond, Charley is the one to trust. 100% recommend!
They have helped us to buy our first home and they were a huge helping hand when we had no idea where to start.
Thank you so much for making the house buying process almost completely stress free.
Highly recommended
The process was smooth and efficient, and Charley made sure I understood exactly what was covered and how the policy worked. She also provided excellent customer service, answering all my questions promptly and with patience.
I highly recommend Charley to anyone looking for reliable insurance advice and support. Thank you for making this process so easy and stress-free!
They were friendly, helpful and really responsive. It really felt they went above and beyond for us (saving us a few extra quid too).
Thank you very much
Will definitely be using them again.
They are quick to reply to any queries via email and on the phone. They provide well informed advice and are exceptionally friendly when answering questions.
I will definitely be using them again in the future!
Contact us for your fee free mortgage consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We offer you initial no obligation consultations. Frog Financial Management will bear the cost of this, where we will: Describe our services more fully and explain the payment options. Gather and analyse personal financial information about you and your aims and objectives. Recommend and discuss any action we think you should take.
Refund of fees
All fees are fully refundable should we be unable to achieve a Lenders Mortgage Offer (as applied for), except in the following circumstances:
Client not proceeding due to own choice. | Client not proceeding due to valuation issues. | Client not proceeding due to property chain issues. |Client non-disclosure of material facts.
Example of fees
for residential mortgages
We typically charge £479,
payable on application.
Standard residential mortgage – £479
Shared ownership and Right to Buy – £524
Product switch – £95
Complex/impaired credit history – £697
Example of fees
for buy-to-let mortgages
We typically charge £479,
payable on application.
Standard Buy-To-Let mortgage – £497
Limited company Buy-To-Let mortgage – £647
HMO Properties/Portfolio landlords*- £679
Product switch – £95
Complex/impaired credit history and non-standard properties – £879
*A ‘Portfolio Landlord’ is defined as client(s) having four or more buy-to-let properties (mortgaged or mortgage free), on completion of this mortgage transaction.
Example of fees
Commercial mortgages
We typically charge £687,
payable on application.
Business Finance – £897
Development Loan – £897
Commercial Mortgage – £687
Bridging Loan – £687
Example of fees
Lifetime mortgages
We typically charge £995,
payable on application.
