Home Mover Mortgage

A home mover mortgage is designed for people who are selling one property and buying another. There are multiple routes to take — porting your current mortgage, remortgaging with a new lender, or starting fresh. We’ll help you choose the right option.

Some mortgages are ‘portable,’ meaning you can transfer your current deal to a new property. However, you’ll still need to meet the lender’s affordability criteria and may incur fees. If you’re moving to a more expensive home, you might also need to borrow more — possibly at a different rate.

Remortgaging involves switching to a new mortgage, often with a new lender. It’s a popular choice if you’re coming to the end of your current deal or want a better rate. This option allows you to:

• Secure more competitive rates

• Release equity for renovations or other needs

• Tailor your mortgage to your new situation

Make sure to check for early repayment charges before remortgaging.

If you’ve built enough equity or have sufficient savings, you might consider paying off your mortgage entirely when moving. While this can give you peace of mind, we’ll help assess whether it’s the best option for your financial health.

In addition to your new mortgage, there are several other costs to plan for:

• Stamp Duty

• Solicitor/legal fees

• Property surveys

• Moving and removal expenses

• Access to 90+ mortgage lenders

• Honest, jargon-free advice

• CeMAP-qualified experts

• Flexible appointments — in person, by phone, or video

• 5-star reviews across Derby and the UK

Whether you’re staying local or moving across the country, our team is here to help you secure the right mortgage. Contact us today for a free, no-obligation consultation with one of our Derby-based mortgage advisors