Your next home deserves the right mortgage.
Upsizing, downsizing or relocating? We'll handle the mortgage so you can focus on the move.
Upsizing, downsizing or relocating — we've got the mortgage covered
Moving home means juggling a sale, a purchase, and everything in between. We take one big thing off your plate by sorting your mortgage — including whether to port your existing deal or switch to a better one.
We work alongside your solicitor and estate agent to keep the chain moving, so you can focus on packing boxes and picking paint.
Should you port your mortgage or switch?
When you move home, you have two main options for your mortgage:
Porting your mortgage
Porting means transferring your existing mortgage deal to your new property. This makes sense if you're on a great rate or would face a significant early repayment charge for leaving. However, you'll still need to pass the lender's affordability checks, and if you're borrowing more, the additional amount will be on a separate deal.
Switching to a new mortgage
If your current deal is ending soon, your existing rate isn't competitive, or you want to borrow significantly more, switching to a new product — with your existing lender or a new one — may give you a much better outcome. We'll run the numbers on both options and recommend the right route for you.
Upsizing
Moving to a bigger home usually means borrowing more. We'll assess how much additional lending you can access, find the best product for your combined borrowing, and make sure the figures work for your budget both now and if rates change.
Downsizing
If you're moving to a smaller or less expensive property, you may be paying off a chunk of your mortgage. We'll check whether any early repayment charges apply and make sure the transition is as cost-effective as possible.
Buying before you sell
In some cases, you may want to buy your new home before your existing property sells. We can explore bridging options and advise on the risks and costs involved — always with complete transparency.
How we help home movers
Review your existing mortgage and check for early repayment charges
Assess whether porting or switching is better for your situation
Search the whole market for the best available deal
Secure an Agreement in Principle so you can make offers confidently
Handle the full mortgage application and liaise with your solicitor
Keep the chain moving by chasing lenders and third parties on your behalf
Moving Home — Frequently Asked Questions
Do I need to sell my current home first?
1
Not necessarily. Many buyers put in an offer subject to selling their existing property. We can help you understand your options and what a lender will consider when you have a property to sell.
What if my new home is more expensive than I expected?
2
We'll reassess your borrowing capacity and explore options with lenders who may offer higher income multiples or more flexible affordability assessments.
Can I keep my current mortgage rate when I move?
3
It depends on your lender's porting policy. We'll check this for you and advise on whether porting is the right move or whether you'd be better off switching.
How far in advance should I speak to a broker?
4
As early as possible — ideally before you put your home on the market. Knowing your maximum borrowing and having an AIP in place puts you in a much stronger position when you find your next home.
Our other services
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First time buyer
Taking your first step onto the property ladder? We'll guide you from deposit to keys with clear, friendly advice.
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Remortgaging
Your current deal ending? We'll find you a better rate and potentially save you hundreds each month.
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Other mortgages
Contractor, buy-to-let, adverse credit, or separating? We specialise in mortgages that don't fit the high-street mould.
Ready to take your next step?
Whether you're just starting to think about buying or you're ready to move, we'd love to help. Get in touch for a free, no-obligation initial chat with one of our advisors.