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Next time buyer

Next Time Buyer

Hawke Financial Services LLP is a professional business based in Surrey, specialising in Mortgages and other financial services. As a priority element of our Next Time Buyer Mortgage Brokers Service, we are committed to finding the most suitable products to suit your needs from the thousands available.

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Our Next Time Buyer Process

Selling and buying property has the potential to be one of life’s most stressful events and if you have already been through the First Time Buyer process you will have a good understanding of this. Nonetheless, you will most likely need a Mortgage Adviser to guide you through the process for the second time.

As part of our process we will give you advice on:

  • Changing mortgages
  • When to apply for your next mortgage
  • Porting your mortgage, if necessary
  • Costs involved in moving home


Your Next Time Buyer Advisor

Your Broker at Hawke FS will work with you to arrange the most suitable mortgage product for your onward purchase.
They will take into account your current mortgage, which will need settling. There are often two options:

  1. Your Next Tim Buyer Adviser will assess whether it is best to port your current deal, which will likely be the most cost-effective if you’re subject to early repayment fees.
  2. They will also assess whether it is better to look at refinancing with a new bank for your next property.

As well as completing your mortgage application your Adviser will liaise with both your selling agent and the vendor’s agent, together with your solicitor to ensure that the process runs as smoothly and conveniently as possible.

Your Second or Next Property

Despite having gained a good level of understanding of the mortgage process as a First Time Buyer, it is not guaranteed that applying for the mortgage on your next home will be any less complex or daunting. It can sometimes be doubly complicated; you have your First Home’s Mortgage to tie up, as well as your new one to organise.

If you are looking to buy a second property the availability of mortgages is restricted with some lenders. Hawke FS will save you time on finding the most suitable lender based on your intended property use.

Let To Buy

If you are considering letting your current property and buying a new house to live in there are many considerations to make. Please visit our dedicated Let To Buy page for all the information you need.

What's next?

To start your Next Time Buyer journey or for more information on our services, please contact us today.

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Insurance Options

  • Life Insurance
  • Critical Illness Cover
  • Income Protection
  • Accident, Sickness and Employment
  • Buildings and Contents / Landlord Insurance

Stamp Duty Calculator

Our simple stamp duty calculator can help you on your way to working out your finances when it comes to thinking about a first, a new or an investment property.

Try our calculator