Moving Home Mortgage | Expert Support When You Move

Why moving house feels tricky

Moving house can feel complicated because there are so many moving parts to coordinate.

Managing the sale of your current home, the purchase of a new one, and securing a mortgage offer all within a single timeline can be stressful. Then there’s the decision of whether to port your current mortgage deal or take out a brand new one – each with its own pros and cons.

Early repayment charges (ERCs) and exit fees can also take a bite out of any potential savings. On top of that, stricter affordability rules introduced since the Mortgage Market Review mean lenders now take a closer look at your income, outgoings, age, and even the property itself when assessing how much you can borrow.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Moving Home

Our Solutions

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Access to 50+ lenders, giving you the best chance at the right deal.
Clear side-by-side comparisons of porting your mortgage versus taking out a brand-new one.
Chain-friendly timescales with us liaising directly with estate agents and solicitors.
End-to-end support—from Agreement in Principle (AIP) through to exchange, completion, and key collection.

...all managed through an easy 6 step process.

Step 1: Discovery call

We start with a fact-find to understand your situation, verify your ID, and sketch out a realistic budget.
Step 2: Port vs new-loan decision

We compare the costs, early-repayment charges (ERCs), and flexibility of porting your current mortgage versus taking a new one.
Step 3: Agreement in Principle (AIP)

This gives you a stronger position when making an offer on a new home.
Step 4: Full application

We handle the paperwork and liaise directly with your estate agent and solicitor.
Step 5: Valuation
& offer

The lender assesses the new property’s value and issues a formal mortgage offer.
Step 6: Exchange & completion

Once the chain agrees on dates, you’ll need to insure your new home at exchange.

Document Checklist

Passport or photocard licence
Proof of address (≤ 3 months)
Last 3 payslips/P60 or SA302s
Last 3 months bank statements
Memorandum of Sale for property you’re buying
Mortgage statement for property you’re selling

Bring these to your first meeting to avoid delays.

Expert Tips

Secure the AIP before you view

Agents will ask for it.
List your sale property first

To show you’re proceedable.
Factor in stamp-duty timing

Nil band ends at £250k (England) for movers.
Overpay within limits

Most lenders allow 10 % extra per year without penalty.

Here to HELP

What lenders look for

Income & Employment

Salary, bonuses, or self-employed drawings and how consistent they are.
Credit Profile

Your repayment history, outstanding commitments, and overall credit score.
Loan-to-Value (LTV)

How much equity you hold and the size of your deposit.
Affordability

Your income versus outgoings, plus the sustainability of payments.
Property Details

The suitability, value, and condition of the new property.

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Moving Home