[{"text_idx": "#000001", "text": "Canllaw i werthu neu rentu eiddo masnachol\nCanllaw i brynu neu rentu eiddo masnachol\nPam defnyddio Adran Fasnachol Williams & Goodwin?\nMae Williams & Goodwin yn rhan o rwydwaith o tua 800 o werthwyr tai ledled y DU, felly ni fyddwch byth yn bell o un o\u2019n partneriaid. Cliciwch uchod i ddod o hyd i\u2019ch gwerthwyr tai lleol."}, {"text_idx": "#000004", "text": "Edrychwch ar ein canllawiau sy\u2019n ymdrin a\u0302 phrynu a gwerthu eiddo.\nMae Williams & Goodwin yn rhan o rwydwaith o tua 800 o werthwyr tai ledled y DU, felly ni fyddwch byth yn bell o un o\u2019n partneriaid. Cliciwch uchod i ddod o hyd i\u2019ch gwerthwyr tai lleol."}, {"text_idx": "#000005", "text": "Edrychwch ar ein canllawiau sy\u2019n ymdrin a\u0302 phrynu a gwerthu eiddo."}, {"text_idx": "#000006", "text": "Y rhesymau dros ddewis Williams & Goodwin.\nSefwch allan yn y dorf drwy ymuno a\u0302 thi\u0302m Williams & Goodwin\nBydd pob cwmni gwerthu tai yn honni mai nhw yw\u2019r gorau. Yn Williams & Goodwin The Property People rydym yn gadael i'n cwsmeriaid wneud y siarad."}, {"text_idx": "#000009", "text": "Bydd pob cwmni gwerthu tai yn honni mai nhw yw\u2019r gorau. Yn Williams & Goodwin The Property People rydym yn gadael i'n cwsmeriaid wneud y siarad."}, {"text_idx": "#000010", "text": "Can I move my mortgage?"}, {"text_idx": "#000011", "text": "Moving house can be a stressful time but, for buyers\nwho already have a mortgage, it doesn\u2019t necessarily mean ripping up the deal"}, {"text_idx": "#000012", "text": "Most mortgages are portable, which means that they can\nbe transferred from a borrower\u2019s current property to their new home when they\nmove. This can be particularly useful\nfor homeowners who want to avoid paying Early Repayment Charges (ERC\u2019s) on\ntheir existing mortgage, which can amount to thousands of pounds."}, {"text_idx": "#000013", "text": "Those who have secured a competitive interest rate may\nalso find it more beneficial to port their mortgage to a new property rather\nthan taking a new deal."}, {"text_idx": "#000014", "text": "Staying with the same lender can still throw up its\nchallenges however, so the ability to move the mortgage to a new property is by\nno means guaranteed. A lender will still carry out an assessment before\napproving the loan, and this will be based on their current criteria."}, {"text_idx": "#000016", "text": "For many, moving home means buying a more expensive\nproperty, and asking for a top-up on the mortgage. A lender might not be\nwilling to lend the additional funds however, leaving borrowers with little\nchoice but to pay a penalty to move elsewhere. If they are happy to lend, then\nit could be on a different and potentially higher rate."}, {"text_idx": "#000017", "text": "Whatever the options are, it is still important to\ntake the opportunity to review the current market and compare new deals with\nthose on offer through the existing lender. With rates over the last few months\ncoming down to historic lows, it could even make financial sense to pay a\npenalty and take out a new loan with a different provider, but it\u2019s vital to do\nthe sums first to make sure this is the best course of action."}, {"text_idx": "#000018", "text": "If you are considering moving home and need\nmortgage advice, then please speak to the Guild Mortgage Service provided by"}]