Helping You Make Your Next Move with Confidence
Moving home is an exciting journey, and finding the right mortgage is key. Our experts can help you navigate through different mortgage options to find the best deal for your new home.
There are more costs involved in moving home than just the price of the property. We’ll explain everything from stamp duty to legal fees so you know exactly what to expect.
We offer support at every stage of your move, ensuring a smooth transition to your new home with a mortgage that suits your needs and budget.
If you’re happy with your current mortgage deal, you may be able to take it with you to your new home. We’ll assess whether porting is right for you and handle the process with your lender.
Whether you’re upsizing, downsising or relocating, we can help you secure a new mortgage tailored to your changing circumstances. With access to a wide range of lenders, we’ll help you get the most suitable deal.
Coordinating your house move with the end of your current mortgage term or deal can save money and stress. We’ll help you plan the timing, whether you’re mid-deal or approaching renewal.
You have two main options, port your existing mortgage or take a new mortgage product with a different lender. Your mortgage advisor will explain the pro’s and con’s of both options to ensure you have clarity on your options when moving home. If you require further borrowing your mortgage advisor will calculate and advise you on the cheapest way to proceed.
We will calculate your early repayment charge on your existing mortgage and consider both your current rate of interest and the rates available in the market to advise you on whether porting your mortgage is the most cost effective option in both the short and long term.
When moving home, apart from the deposit for your new home, stamp duty is typically the second largest expense. That is then followed by solicitor fees, surveys & mortgage fees.
You can, some people choose to reduce or extend their mortgage term when they move home as their financial objectives for repaying their new home may differ from their current one.
All banks and building societies have different lending policy. As your local, specialist mortgage broker, we will compare all lenders and find you’re the maximum amount possible if this is your requirement.
You can, as part of moving home you may choose to put a smaller deposit down on the new property to enable you to have funds to complete the works. Your mortgage broker will advise you on the cost difference of keeping funds aside to do this.
This depends on if there is a chain and how long it is. Typically moving home takes 10-12 weeks from having your offer accepted to getting the keys to your new home.