Your existing mortgage and any relevant charges
Home movers
A home move involves more than choosing the next property.
Review your current mortgage, equity, timescale and wider plans before deciding on the route forward.
Discuss your moving plans
Calm adviceClear preparation.
Careful consideration.
Careful consideration.
A proper starting point
Bring the current position and the proposed move together.
Moving home may involve an existing mortgage, early repayment charges, porting considerations, a change in borrowing and two linked property transactions.
A review can help organise those moving parts and consider what may be suitable. Porting is not automatic and does not guarantee that the additional borrowing or new property will be acceptable.
What the review can cover
The review may cover
The exact information, evidence and questions depend on your individual position. This list is general guidance rather than personal advice.
Estimated equity and available deposit
The proposed purchase and additional borrowing
Income, commitments and affordability
Timescale and sale/purchase chain
Protection arrangements and changed responsibilities
Worth considering
Points worth checking
No single factor determines suitability or availability. The full circumstances need to be understood together.
- Whether the existing product may be portable
- How any product end dates interact with the move
- Costs associated with sale, purchase and borrowing
- Whether circumstances have changed since the last application
- The effect of a different property type or price
Common questions
Clear answers to useful starting questions.
These answers are general and should not be treated as personal mortgage or protection advice.
Can I take my current mortgage with me?
Some products may include portability, but a new application and assessment are normally required. The outcome depends on the circumstances and proposed property.
Should I arrange the mortgage before selling?
The appropriate sequence depends on your position and timescale. An early review can help clarify the practical considerations.
What if I need additional borrowing?
Any additional amount would need to be assessed alongside the existing borrowing, affordability and lender requirements.
A conversation, before a commitment
Choose a convenient time to talk.
Book a discovery call to explain what you are considering. Any personal recommendation would follow an appropriate full review of your needs and circumstances.
Primary contact
Book a discovery call
Choose an available time online for an initial 30-minute conversation.
View live availabilityBooking an initial call does not constitute personal advice.Your home may be repossessed if you do not keep up repayments on your mortgage.