Review your existing deal
Understand whether your current mortgage may be portable and what charges or conditions could apply.
Home mover mortgages
A bigger move,
with fewer unknowns.
Selling one home and buying another creates several moving parts. We help you understand the mortgage implications, timing and choices before you commit.
Clear guidanceJoin the pieces together.
Personal support from first conversation to completion.
What we help with
Support shaped around
your circumstances.
We explain the choices, likely costs and next steps in plain English, then help keep everything moving.
Plan the new borrowing
Consider the purchase price, equity, income, costs and how the new mortgage could fit your plans.
Coordinate the move
Stay clear on application progress while your sale, purchase, valuation and legal work move forward.
The journey
What happens
next.
Review your position
We look at your current mortgage, estimated equity, plans and preferred move date.
Explore the route
We discuss potential porting, additional borrowing or moving to a new lender where appropriate.
Prepare to offer
You leave with a clearer budget and understanding of likely costs and lender requirements.
Apply and progress
Once your purchase is agreed, we support the application and keep you updated through the process.
Be prepared
Documents you may
be asked for.
The exact requirements vary by lender and circumstances. We will tell you what is needed and when.
- ✓Current mortgage statement
- ✓Evidence of income
- ✓Recent bank statements
- ✓Estimated sale and purchase figures
- ✓Identification and proof of address
Questions answered
Helpful answers,
without the jargon.
These answers are general. A conversation lets us explain what may apply to your specific circumstances.
01Can I take my existing mortgage with me?+
Some mortgages are portable, but this does not guarantee approval. The lender will usually reassess affordability, the new property and any additional borrowing.
02What happens if my sale and purchase complete at different times?+
Your solicitor and estate agent help coordinate the chain. If timings do not align, there may be options, but these can create additional cost and risk and need careful advice.
03Can I borrow more when moving?+
Potentially, subject to income, commitments, deposit/equity, lender criteria and the property. We can help you understand what may be realistic.
04Should I remortgage before moving?+
That depends on timing, early repayment charges and the flexibility of the new deal. If you expect to move soon, discuss it before committing to a new mortgage.
Start a conversation