Moving Home, Without the Mortgage Becoming the Stressful Part
Moving isn’t just about finding the next place, it’s juggling your sale, your purchase, and your existing mortgage all at once. That timing is usually the hardest part, not the mortgage itself.
We’ll help you work out whether to port your current deal, remortgage entirely, or take out something new, based on what actually saves you money once early repayment charges and rates are factored in.
Managing The Chain
Agreement in Principle
We’ll help you get an Agreement in Principle early, so you can move quickly once you’ve found somewhere.
Bridging Options
If your sale and purchase timing doesn’t line up, bridging finance can cover the gap, worth discussing before you’re stuck.
Direct Communication
We’ll keep in contact with your solicitor and the lender throughout, so delays get caught early rather than discovered at the last minute.
Porting vs Starting Fresh
Porting means taking your existing mortgage deal with you to the new property, useful if you’re on a good rate and want to avoid an early repayment charge. It’s not automatic though, you’ll still need to pass affordability checks again, and the amount you need to borrow may have changed.
Sometimes porting isn’t the better option, particularly if rates have moved since you took out your current deal, or if your new purchase price is significantly different. We’ll run the numbers both ways rather than assume porting is automatically best.
Don't Overlook Your Protection
If your circumstances or mortgage amount are changing, it’s worth reviewing your mortgage protection at the same time, rather than assuming your existing cover still matches your new borrowing.
Why We're Different When You're Moving
We check both options properly
We run the numbers on porting and remortgaging in parallel rather than assuming one is automatically right for you, so the decision is based on what actually works out cheaper, not just what’s easiest to arrange.
We keep everyone talking to each other
We stay in direct contact with your solicitor and the lender throughout, so timing issues get caught early, not discovered the week you’re meant to complete.
We won't let a good deal become a bad one
Moving can mean early repayment charges, valuation costs, or fees that quietly outweigh a slightly better rate. We’ll look at the true overall cost of your options, not just the headline number.
Remortgage FAQs
Can I take my mortgage with me when I move?
Often, yes, this is called porting, though you’ll still need to pass your lender’s affordability checks again on the new amount. It’s not guaranteed just because you’ve ported before.
What happens if I sell before I've found somewhere to buy?
This is more common than people expect, and short-term options like bridging finance or a rental gap exist to cover it. Talk to us before assuming you’re stuck.
Do I need to remortgage every time I move?
Not necessarily, porting may avoid the need, though whether that’s actually the cheaper option depends on current rates and your existing deal’s terms.
Will moving affect my mortgage rate?
It can, since you’re borrowing a different amount against a different property. We’ll compare porting your existing rate against current market options so you’re not assuming the worst or the best without checking.
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Ready to Talk it Through?
Tell us where you are in the process and we’ll help you work out the best route forward.
Prefer to talk right now? Call 0800 1 777 333