HOME MOVERS

On moving property, it is generally the case that the move will involve you increasing your overall mortgage to allow you to secure your dream home.
As Independent Mortgage Advisers, we may be able to deal with your existing lender for a new mortgage, or research the whole market to find the lender who can offer you the most competitive and appropriate mortgage for your current needs and circumstances.
Due to our Independent status, we have access to exclusive schemes that are only available via intermediaries.

HOME INFORMATION PACKS (HIP'S)

What is a HIP ?

The Government has introduced HIP's for all property for sale from December 14th 2007.
 
How will HIP's help the current buying and selling process ?

It is the governments's belief that HIP's will reduce the stress of buying and selling property by providing key documents from the time a property is marketed for sale. Currently, this information is not usually made available until after an offer to buy a property has been negotiated. It is argued that HIP's will serve to increase customer confidence in the sales process. Providers of HIP's will be required to belong to an approved consumer redress scheme.

What will be included in a HIP ?

The HIP will include the key documents that are normally required when properties are bought and sold. Some documentation will be mandatory and others optional. The Government has set out that the documention should fall into two categories.

 Where will I get my HIP ?

At Proud Independent Mortgage Services Ltd, we aim to give you a full and professional service when attending to your mortgage and financial planning requirements. With this in mind, we have a professional relationship with a local provider of competitively priced HIP's. You can find out more by visiting the government HIP website at www.homeinformationpacks.gov.uk/consumer