🏡 Home Mover Mortgages
Planning your next move? Let’s make sure your mortgage moves with you.
Whether you’re upsizing, downsizing, or relocating, we’ll connect you with a specialist advisor who can guide you through the process and help you secure the best mortgage deal for your new home.
🧭 What is a Home Mover Mortgage?
A home mover mortgage is simply a new mortgage that you take out when you move to a new property. It could mean transferring your current mortgage to the new home, or applying for an entirely new one — depending on your circumstances.
A broker can help assess whether a port, switch, or fresh application is most suitable and cost-effective for your next step.
🔁 Should You Port Your Mortgage or Start Again?
Porting means transferring your existing mortgage to your new property.
You might choose to port if:
You’re happy with your current deal and rate
Your lender allows it (not all do!)
Your borrowing needs won’t change much
However, porting isn’t always best. You might get a better deal by applying for a new mortgage — and a broker can help you crunch the numbers.
🧮 How Much Can You Borrow When Moving Home?
This will depend on:
The value of your new property
The equity in your current home
Your income and outgoings
Your credit history
Lender affordability rules
A mortgage advisor will assess your full circumstances and show you how much you can realistically borrow.
💸 What Will It Cost to Move Your Mortgage?
Typical fees can include:
Arrangement fee (if choosing a new deal)
Valuation and survey fees
Solicitor/conveyancer fees
Stamp duty (if applicable)
Early repayment charges (if leaving your current deal early)
A broker can help you budget properly and compare lender incentives like free legals or cashback.
💼 Why Use a Mortgage Broker When Moving?
Moving home is already stressful — your mortgage shouldn’t be. A broker can:
Find the best deal based on your circumstances
Advise on porting vs. switching
Handle paperwork and lender negotiations
Help you avoid costly mistakes or delays
We’ll connect you with a mortgage expert who specialises in home movers and understands the market inside out.
📞 Speak to a Home Mover Mortgage Expert
✅ Help you plan your mortgage transition
✅ Search the market for the best deals
✅ Offer clear, no-obligation advice
❓ FAQs
Can I move home before my current mortgage deal ends?
Yes, but you may have to pay early repayment charges. A broker can help you calculate whether it’s worth switching early.
Can I borrow more when moving home?
Potentially — this depends on your income, property value, and affordability. A broker can advise what’s realistic for your budget.
Can I move my mortgage to a cheaper home?
Yes, but if you’re borrowing less, your lender might have specific rules, and there may be fees involved. Speak to a broker first.
Is stamp duty payable when moving home?
Yes — unless you’re below the threshold or a first-time buyer, stamp duty is likely payable on the new property.