Moving home, made straightforward
Whether you are upsizing, downsizing, or relocating, moving home involves both selling and buying simultaneously — often with your existing mortgage in the mix. We untangle it all and find the best route forward.
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Porting vs switching
Your existing mortgage does not have to hold you back
When you move home, you have two main options: port your existing mortgage to the new property, or take out a new mortgage entirely. The right choice depends on your current rate, your lender's porting rules, the size of the new loan you need, and early repayment charges that may apply.
We compare both paths for you — running the numbers on what porting would cost versus what a new mortgage on the open market would look like — so you make the decision based on facts, not guesswork.
We also manage the timing of your sale and purchase so that you are not left with two mortgages running at once, or caught in a gap between transactions.
Home mover questions we answer
- Can I take my current mortgage to the new property?
- Will I pay an early repayment charge if I switch?
- What if I need to borrow more than my current mortgage?
- How do I time the sale and purchase together?
- What if I need a bridging loan between properties?
- Should I remortgage now or wait until I move?
- Can my partner join the mortgage on the new property?
- What if my circumstances have changed since my last mortgage?
Why choose us
The home mover advantage
Port vs switch analysis
We run a proper cost comparison between porting your existing deal and taking a new mortgage — including early repayment charges and arrangement fees — so you can see the real difference.
Chain management
Simultaneous sale and purchase chains can be complex. We keep your mortgage timetable aligned with your solicitors and estate agents to avoid costly delays.
Comprehensive lender panel
Your existing lender may not offer the most competitive deal for your new purchase. We search across a comprehensive range of lenders to make sure you are not missing a better option.
Our process
How we manage your move
Review your position
We look at your current mortgage — rate, remaining term, early repayment charges — and what you need for your new home. Then we map out your options clearly.
Find the right deal
We compare porting against new market products, factor in all costs, and recommend the most suitable route. You decide — we explain everything before you commit.
Application to completion
We manage the full application, liaise with your lender and solicitors, and keep the process moving so your move completes on time.
Common questions
Home mover FAQs
Key questions we get from people moving home.
Porting means transferring your existing mortgage deal to a new property. It lets you keep your current interest rate and avoid early repayment charges. However, not all mortgages are portable, and your lender will still carry out a full affordability assessment on the new property. If you need to borrow more, the top-up amount will typically be on a new rate.
If you need a larger mortgage for your new home, you can often port the existing amount and take out a separate top-up loan for the difference — often at a different rate. We calculate whether this blended approach is better or worse than simply taking a fresh mortgage from the open market.
As early as possible — ideally before you put your current home on the market. Knowing what you can borrow and having a Decision in Principle in place means you can move quickly when you find your next property. Waiting until you have an offer accepted can slow things down considerably.
If you need to complete the purchase of your new home before your sale completes, a bridging loan can bridge the gap. We arrange regulated bridging finance and can advise whether it is the right option for your situation. See our Bridging Loans page for more.
Ready for your next move?
Get a no-obligation review and we will map out the most cost-effective route to your new home.
Initial consultations are completely free of charge. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity.