I bought my first house 20 years ago and am hoping to move within the next year or two. I’ve no idea how much actual cash I need to have available to do this, what has to be paid for up front that can’t be added to the mortgage. Can anyone advise?
I seem to recall that when I bought last time the only actual cash I had to have was the deposit and solicitor fees - maybe? But I’ve seen people saying they have lost thousands on surveys which suggested that’s a cash spend up front.
I won’t need removers, I’ll do that myself as I have a van.
I’m overpaying my mortgage as much as I can to make remortgaging easier so saving is going to be really tricky - I’m single, self employed and my fixed rate comes up in May 2024 so my priority is needing as small a loan as possible.
My house desk value currently £275k and I’ll be moving to the same value in a different area. LTV currently 30%
Any help gratefully received!