Moving home can be exciting but stressful. We'll guide you through the process and find the best mortgage for your new property — whether you're upsizing, downsizing, or relocating.
Transfer your existing deal or find a better one
Increase your mortgage to cover a bigger property
We search the whole market for your best option
We manage the complexity of property chains
Whether you need a new mortgage for a more expensive property or want to transfer your existing deal to your new home, we'll explore all the options and find the most suitable solution.
Our whole-of-market panel gives us access to a wide range of lenders, so we can compare products and find you the best rates — often beating what your current lender can offer.
Moving home involves a lot of moving parts. From aligning sale and purchase timelines to managing chains and solicitors, our team handles the mortgage side so you can focus on the move itself.
We'll also review your protection needs, as moving to a new property is an ideal time to ensure your life insurance and other cover still meets your requirements.
From reviewing your options to completing on your new home — we make the transition seamless.
We arrange an appointment at a time that suits — face-to-face, video call, or phone — to understand your circumstances and needs.
We search our panel of 100+ lenders for the right product. We're not tied to any lender, giving you access to the best deals.
We present the best option, explaining all features and benefits — no jargon, no pressure.
From application to completion, our team handles everything and keeps you updated throughout.
Whether you're upsizing, downsizing, or relocating — here's what you need to know about your mortgage options.
You may be able to "port" your existing mortgage to your new property, keeping your current rate and terms. However, this isn't always the best option — we'll compare it against new deals.
If your new home costs more than your current property, you'll need to increase your mortgage. Lenders will reassess your affordability, and you may need a "top-up" alongside your ported deal.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
Coordinating your sale and purchase can be complex, especially in longer chains. We work closely with solicitors and estate agents to keep everything on track and avoid delays.
Moving home is the perfect time to review your life insurance and protection policies. If you're borrowing more, your existing cover may no longer be sufficient. We'll check and advise.
Budget for stamp duty, solicitor fees, surveyor costs, estate agent fees on your sale, removal costs, and mortgage fees. We'll give you a clear picture of the total cost of your move.
Answers to the questions we hear most from people moving home.
A home mover mortgage is for people selling their current property and buying a new one. You can either port your existing mortgage, take out a completely new deal, or do a combination of both depending on your situation.
Yes, "porting" your mortgage is often possible, but it's not always the best option. You could be missing out on more competitive rates available elsewhere. Our advisors will compare porting against new deals so you get the best outcome.
If your new home costs more, you'll need to increase your borrowing. Lenders will conduct a fresh affordability assessment based on your current income and commitments. The equity from your sale will act as your deposit on the new property.
Yes, you pay standard stamp duty rates on your new property (from April 2025: 0% up to £125,000, then 2%, 5%, 10%, and 12% on higher bands). As you're replacing your main residence, you won't pay the additional property surcharge.
If your sale collapses, your purchase may also be affected. Most mortgage offers are valid for 3–6 months, giving time to find a new buyer. We'll guide you through the options and can quickly arrange alternative financing if needed.
A home move typically takes 8–14 weeks from offer acceptance to completion, depending on the chain length and complexity. We work to keep things moving and will flag any potential delays early so they can be resolved quickly.
Book a free, no-obligation consultation. We'll review your current mortgage, assess your options, and find the best deal for your new home.
