Home movers
Moving home, without the guesswork.
Moving home usually means two things happening at once: selling and buying. We look at your existing mortgage, explain whether taking it with you or arranging a new one makes more sense, and keep the mortgage side on track while the chain comes together.
Who this is for
- You are selling your current home and buying another
- You need to borrow more than your current mortgage
- You want to keep your existing deal if that is possible
- You are buying before you sell and need to understand your options
- You are moving within London or out of the city
How we help.
Reviewing your current mortgage
We check whether your existing deal can move with you (this is called porting), what early repayment charges might apply, and whether staying put is worth it.
Working out the new borrowing
If the next home costs more, we look at how much extra you may be able to borrow and what that would mean for your monthly payments.
Comparing the whole market
Sometimes a new lender is a better fit than your current one. We compare options and explain the trade-offs honestly, including any fees.
Keeping the chain moving
Chains move at the pace of the slowest link. We handle the mortgage paperwork and chase where it helps.
Worth knowing
before you start.
- An early repayment charge (ERC) is a fee some lenders apply if you leave a deal early. We check yours before recommending anything.
- Porting is not automatic — the new application is assessed again.
- Timing matters. Starting the conversation early gives you more room to manoeuvre.
- Affordability is reassessed on a new application, even if you have paid a mortgage for years.
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
What happens next
Start with a conversation.
Tell us what you are planning. We will explain the options, tell you what we need, and aim to come back to you the same day.
Common questions
Sometimes. This is called porting, and it depends on your lender's criteria and a fresh assessment of your circumstances. We will check what your lender allows.
Before you make an offer, ideally. Knowing what you can borrow makes offers stronger and avoids surprises later.
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Let's talk about
your mortgage.
Tell us what you're planning. We'll explain what happens next and aim to come back to you the same day.
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.