Moving home involves more than just finding the right property, you’ll also need to think about how the mortgage side affects your plans.
From the timing of your current sale to understanding how much you can borrow, there are a few moving parts to keep in mind.
Speaking to a mortgage broker in Brighton like us early on can help you plan around potential delays, avoid unnecessary costs, and keep things moving in the right direction.
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If you’re happy with your current mortgage deal, it may be possible to port it to your new home.
This means transferring the same product and rate, though you may need to borrow more, depending on the new property’s price.
Our mortgage advisors in Brighton can help you understand whether porting is an option with your lender and whether it’s the most cost-effective route, or if switching to a new deal makes more sense.
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We offer straightforward, practical support to make the process easier.
Our mortgage advisors in Brighton will look at what you can borrow, help manage the transition between your sale and purchase, and guide you through the paperwork.
Whether you’re upsizing, downsizing or relocating within the city, we’re here to handle the mortgage side so you can focus on the move itself.
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They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
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It’s possible, but it depends on your financial situation. You might need a bridging loan or sufficient savings to cover both mortgages temporarily.
For many movers, it’s more practical to tie the sale and purchase together.
Getting mortgage advice in Brighton can help you weigh up your options and decide what’s realistic based on your budget and timeline.
Not always. If your current mortgage is portable, you might be able to transfer it to the new property.
But in many cases, it’s worth looking at new deals to see if better rates or terms are available.
A mortgage broker in Brighton like us can compare both routes and guide you through whichever path suits your move best.
In addition to your deposit and monthly repayments, you’ll need to budget for stamp duty, solicitor fees, removal costs and possibly an early repayment charge if you’re leaving your current mortgage early.
Our mortgage advisors in Brighton can help you prepare a clear breakdown of the full costs involved in your move.
Being in a chain means your move depends on the successful sale or purchase of other properties. Delays in one part of the chain can affect everyone involved.
We support clients moving home in Brighton by staying in close contact with solicitors and estate agents to help keep your side of the chain moving smoothly.
Yes, if your income and affordability allow it, you may be able to borrow more, especially if you’re upsizing or moving to a more expensive area. Lenders will reassess your financial situation as part of the application
Our mortgage advisors in Brighton will check what’s possible and help structure your borrowing based on what you need for the move.
If you’re buying a smaller or cheaper property, you may not need to borrow as much, or at all, depending on how much equity you’ve built up. In some cases, downsizing can leave you mortgage-free.
We’ll look at how your existing mortgage compares to your new plans and give advice on what makes the most financial sense.
We’re here every day to answer your questions and keep your move on track.
It costs nothing to speak to our team, we’ll help you get things moving with no pressure.
You’ll have the support of a team that’s helped thousands of people move home smoothly.
Whether you’re upsizing, downsizing we tailor our advice to your next step.
Our mortgage advisors in Brighton focus on what’s best for your situation, not the lender’s.
We search the wider market to help you find the right product for your next home.
You’ll never be left guessing, we keep you updated at every stage of the process.
From your first enquiry to completion day, we’re by your side every step of the way.
If you’re moving to get more space, whether it’s for a growing family or just a lifestyle change, we’ll help you understand how much more you can borrow and whether your current mortgage deal can be adjusted or replaced.
We support many movers in Brighton looking to step up without overstretching.
Some clients want to move to a smaller home to release equity or cut monthly payments.
We help homeowners in Brighton understand how much equity they’ll retain after selling, and how to structure a new mortgage (if needed) around a simpler, more affordable lifestyle.
Brighton’s neighbourhoods vary in style and pace, and many people want to move without leaving the city.
Whether you’re relocating for schools, work, or just a change of scenery, we’ll manage the mortgage side so you can focus on the move itself.
If your fixed rate is ending or your current deal doesn’t fit your plans, moving home can be a good time to switch.
We’ll compare your current lender’s porting options with new deals on the market and help you decide which makes more sense financially.
If your move depends on others in the chain, timing can be everything.
We help movers in Brighton handle tight turnarounds, deal with porting restrictions and avoid unnecessary delays by staying on top of every detail.
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