Moving house is exciting, but it comes with big financial decisions, especially around your mortgage. Whether you’re upsizing, downsizing, or relocating, it’s vital to make sure your mortgage fits your new plans.
A home mover mortgage is simply the mortgage you take when you move from one home to another. You might:
Whatever your plan, we’ll advise on the best option for your circumstances.
We tailor the mortgage to suit your new chapter, whatever the reason.
1. Porting Your Existing Mortgage
This means transferring your current mortgage deal to your new property. It’s useful if:
We’ll check the small print and help arrange it smoothly.
2. Taking Out a New Mortgage
Sometimes it’s better to switch lenders or products, especially if:
We’ll compare porting vs switching so you can make an informed choice.
Status: James and Lisa owned a 2-bed flat with a mortgage of £180,000. They needed a 4-bed home but didn’t want to lose their low fixed rate.
Solution: We helped them port their existing mortgage and arranged top-up borrowing to cover the new purchase.
Outcome: They moved into their new home with minimal fees and kept a great rate.
Status: Harriet was moving from a 4-bed house to a smaller bungalow. She wanted to release some equity for retirement.
Solution: We helped her pay off her old mortgage and secure a new deal for the smaller home, with a small, flexible loan.
Outcome: Harriet downsized comfortably, with cash in the bank and lower monthly payments.
Status: Michael got a new job in Manchester and needed to move fast. His existing deal had 9 months left.
Solution: We assessed his lender’s porting terms and advised that switching lenders made more sense, even with a small early repayment charge.
Outcome: He moved quickly with a 5-year fixed rate on the new property, and no stress.
A: Yes—if your mortgage is portable. But there may be early repayment charges. We’ll help you assess both options.
A: Yes—provided you meet the lender’s affordability checks. We can help you increase your loan if needed.
A: Possibly. We work with flexible lenders and will review your full situation before advising.
A: No. We’ll compare porting your mortgage versus switching to a new lender and help you choose the most cost-effective route.
A: Typically 2–4 weeks for mortgage approval, depending on the lender and complexity. We’ll keep things moving quickly.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.