Moving Home Mortgages

Are you looking for that next step but don't know where to start? Here's how we can help.

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Moving home can be stressful. This doesn't have to be the case.

If you are thinking about moving home we always suggest obtaining an Agreement in Principle as early in the process as possible. This is so you know exactly how much you can borrow, how much your payments are likely to be and that when you come to formally apply you have a good chance of being successful.

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It's always a great idea to obtain an Agreement in Principle prior to viewing properties.

An Agreement in Principle only lasts for up to 90 days but it is quite easy for us to get these refreshed for you. If you are locked into a fixed rate mortgage we can contact your existing lender for you to see if they will “port” your current deal to your next home without triggering an early repayment penalty.

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Popular FAQs

Can I move my current mortgage to a new house?

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The short answer is yes, many mortgages are 'portable', which means you may be able to transfer your current mortgage to a new property. Although, in effect you will have to reapply for that deal, so if your circumstances have changed at all, then you may no longer qualify and you will be subject to a new credit score.

What are the costs when moving home?

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There are lots of costs to keep in mind when moving home, more so than for a first-time buyer: Estate agency fees, property survey fees, mortgage arrangement fees, solicitor’s fees, removal fees and mortgage broker fees.

What happens if you buy a house and want to move?

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When you move, your legal representative will pay off your existing mortgage in full from the proceeds of the house sale. You will need to start a new mortgage if you are purchasing a new property or “port” your current one to your next property if your lender permits this.

Can you pay a mortgage off early?

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You can pay your mortgage off in full at any time, as long as you also pay any early repayment charges that may apply. Most lenders will allow annual overpayments of 10% of your mortgage balance per year, if you are still in your introductory, fixed or discount period. If you are on a standard variable rate you can usually overpay as much as you want.

8 Reasons to choose UK Moneyman

Open 7 days a week until late.

We're flexible around your work and family, we'll be there when you need us.

No cost to you consultation.

No upfront fees payable, we are paid on results only.

You'll get your own dedicated case handler.

You'll always know who you are dealing with.

We're on your side, we work for you.

No vested interests, do you want your builder or estate agent knowing your maximum lending when you're trying to negotiate your price, you'll receive a mortgage tailored to your needs.

We're authorised by the Financial Conduct Authority, a consumer watchdog for financial services.

Meaning you're safe and protected by our process, providing peace of mind. We take all the responsibility for the advice.

1000s of potential options.

We shop around for the cheapest deal for you, saving you time and money.

We're experienced and knowledgeable.

There isn't a situation we haven't come across before, we fully understand your needs.

It's not just about the mortgage.

We'll help you overcome hurdles that you face along the way, for example, removing the stress of property survey and valuation problems.

Our Customers Love Us

Reviews Stars4.97 Rating187 Reviews

We search 1000’s of mortgage deals for you

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UK Moneyman Limited is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited registered in England, registered number 6789312 and registered office 10 Consort Court, Hull, HU9 1PU.

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