Moving home, moving mortgage
Home Mover Mortgages
Moving home brings enough logistics without your mortgage holding you back. Whether you're porting your current deal, switching to a new lender, or borrowing more for the next step, we'll make the mortgage side straightforward.
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Tailored advice for your situation
Porting your mortgage vs switching lender
If your current mortgage deal is still within its fixed or discount period, you may be able to port it to your new property. Porting keeps your existing rate and terms, which can be valuable if rates have risen since you took it out — but your lender will still reassess affordability on the new loan and may apply criteria that have changed since you first applied.
Switching to a new lender can be cheaper if better rates are available, or if your circumstances now fit another lender's criteria more favourably. We'll compare the cost of porting (including any early repayment charges and product fees) against remortgaging to a new lender, so you can see which route genuinely costs less.
Borrowing more when you move up the ladder
If your next home costs more than your current one, you may need to borrow more on top of porting your existing balance, or apply for a larger mortgage with a new lender. Either way, the additional borrowing is assessed on current affordability — income, outgoings, credit and the new loan-to-value.
Some lenders treat further borrowing on a ported mortgage differently to a brand-new application, which can affect the rate and fees on the extra amount. We'll structure the borrowing so you understand the cost of each portion and aren't paying more than you need to.
Timing your sale and purchase
The trickiest part of moving is timing. If you complete on your sale before your purchase, you could be between deals and exposed to your lender's standard variable rate. If you buy before you sell, you may need short-term bridging or a let-to-buy arrangement.
We'll plan the sequencing with you and your conveyancer so the mortgage fits around the chain, not the other way around — whether that means porting with simultaneous completion, booking a new rate ahead of time, or arranging cover for a short gap.
Common Questions
Based in Colchester. Helping clients across the UK.
Mortgage321 provides advice by phone, video and WhatsApp, so you don’t need to visit an office.
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