Home-mover

Mortgage advice for your next move

Support when moving home

Moving home is a significant step, and understanding your mortgage options can help you make informed decisions. We provide mortgage advice for home movers, explaining how different products work and how lenders assess applications.

Whether you are upsizing, downsizing, or considering transferring an existing mortgage to a new property, we can explain the options that may be available based on your circumstances. This includes discussing affordability, deposit requirements, and how porting an existing mortgage may work.

We work with a range of mortgage lenders to assess available options and explain key features and considerations. Our role is to help you understand your choices so you can decide which option may be appropriate for your situation.

If you would like to discuss your next move, you can get in touch to explore how the process works and what options may be available to you.

4 Steps to Comparing Your Mortgage

Finding the right mortgage doesn’t have to be complicated.

Step 1

Know Your Budget

Understand what you can comfortably afford — we’ll help you work it out.

Step 2

Look Beyond the Rate

Rates matter, but fees and terms matter too. We compare the full picture.

Step 3

Plan Ahead

Your mortgage should fit your future plans, not just today.

Step 4

Get Expert Guidance

Personalised advice ensures you choose the right deal with confidence.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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Tailored service

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Available insurers

STILL NOT SURE?

Frequently Asked Questions

1. What is a home-mover mortgage?

A home-mover mortgage is a mortgage taken out when you’re selling your current home and buying a new one. It can involve switching to a new deal or transferring your existing mortgage to your new property.

2. Can I transfer my mortgage to a new property?

Yes — this is called “porting” your mortgage. Many lenders allow you to move your existing deal to a new home, although you will still need to apply and meet their affordability checks.

3. What happens if I need a larger mortgage?

If your new home is more expensive, you may need to borrow additional funds. Your lender will assess affordability, and the extra borrowing may be placed on a different rate or product.

4. Do I need to pay an early repayment charge if I move home?

You might, depending on your current mortgage deal. If your mortgage is portable, you may be able to avoid early repayment charges by transferring (porting) your deal to your new property. Your adviser can confirm this based on your lender and product.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: [XXXXXXX].