Home Movers.
Moving to your next property? Get expert support with porting, product transfers, and new mortgage applications.
3.5 Million Movers Annually*
Join millions of UK homeowners successfully moving up the property ladder each year with the right mortgage support.
Porting Options
Transfer your current mortgage deal to your new property without penalty, subject to lender assessment.
Chain Management
Expert coordination to ensure your purchase and sale complete smoothly, even in complex chains.
Full Support
Dedicated advisor managing your application from initial valuation through to completion day.
Home Movers Guide.
Your comprehensive guide to mortgages when moving home.
When moving home, you have several mortgage options: port your existing deal, remortgage to a new lender, or arrange a product transfer. Your choice depends on your current rate, any early repayment charges, and whether your lender will lend on your new property.
Careful planning and timing are essential. Getting your mortgage arranged early can strengthen your position as a buyer and help prevent delays in the property chain.
Porting allows you to transfer your existing mortgage deal to your new property, avoiding early repayment charges (ERCs). However, porting isn't automatic - your lender must approve the new property and reassess your affordability.
- Advantages: Keep your current rate and avoid ERCs
- Requirements: New property must meet lender criteria
- Additional borrowing: Often possible at current rates
If your new property costs more, you can typically port your existing deal and top up with additional borrowing, though this may be at a different rate.
This depends on several factors:
Consider porting if:
- Your current rate is significantly better than current market rates
- You'd face substantial early repayment charges
- Your lender agrees to lend on the new property
Consider remortgaging if:
- Current rates are much better than your existing deal
- Your ERC is relatively small or you're near the end of your fixed term
- Your current lender won't approve the new property
Getting your mortgage arranged early in the process offers several advantages:
- Strengthens your position as a buyer with a mortgage offer in place
- Prevents delays that could jeopardize the chain
- Gives you certainty on your budget and monthly payments
- Locks in current rates if they're favorable
Most mortgage offers are valid for 3-6 months, giving you time to find the right property. We can help coordinate timing to ensure everything aligns smoothly.
Managing a property chain requires careful coordination:
1. Get your property valued
Understand what you can achieve for your current home.
2. Arrange mortgage in principle
Know your budget before viewing properties.
3. Coordinate completion dates
Align the sale of your current home with your new purchase.
4. Consider bridging if needed
Short-term finance can help if dates don't perfectly align.
Ready to Move?
Our mortgage experts will help you navigate the move smoothly, from porting advice to finding the best new deals.