mortgages
Home Mover Mortgages
Moving home is an exciting new chapter, whether you’re upsizing, downsizing, relocating, or simply looking for a fresh start. With so much to consider, getting the right mortgage advice can make all the difference.
Our expert mortgage advisers will take the time to understand your situation and guide you through your options—whether that’s porting your existing mortgage to a new property or securing a brand-new deal. We’ll also provide tailored advice on Let to Buy, where you keep and rent out your current home while purchasing your next one.
Need answers to your questions? Check out our frequently asked questions below, or get in touch with one of our experts for personalised home mover mortgage advice.
Where Do I Start?
Before you start viewing new homes, it’s important to:
- Understand your current home’s value – Whether you’re selling or considering a Let to Buy mortgage, knowing how much your property is worth is key.
- Work out how much equity you have – This will help determine how much you can put towards your next purchase.
- Assess affordability & costs – From deposits and mortgage payments to legal fees and moving costs, having a clear budget is essential.
Once you have a solid plan, the next step is obtaining an Agreement in Principle (AIP)—this confirms how much you can borrow and helps you move forward with confidence.
How Long Does Moving Home Take?
On average, the process takes 12-16 weeks from accepting an offer on your current home to completing the purchase of your new one. This allows time for:
- Mortgage application & approval
- Legal & conveyancing work
- Surveys & property checks
However, timelines can vary—especially if there’s a property chain involved. Regular updates from your mortgage adviser, estate agents, and solicitors will help keep things on track.
Can I Move My Current Mortgage to a New Property?
With some lenders, this is possible. This is called porting your mortgage, and it allows you to transfer your existing mortgage deal to your new home, potentially avoiding early repayment charges (ERCs).
However, there are a few key things to keep in mind:
- A new mortgage assessment is required – Even though you’re an existing customer, your lender may still check your income, deposit, and outgoings.
- Not all mortgages are portable – Some lenders won’t allow porting, especially if you’re moving from a Help to Buy scheme to a standard purchase.
- Affordability can impact approval – If your financial situation has changed, porting may not always be an option.
If porting isn’t suitable, our advisers can help you find the right home mover mortgage deal to suit your needs.
Ready to Make Your Move?
Moving home doesn’t have to be stressful. Whether you’re looking for a home mover mortgage, considering porting, or exploring Let to Buy, our experts are here to help every step of the way.
Get in touch today to discuss your options and start your journey to your new home!
