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Moving Home Mortgages

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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.

With the help of a mortgage broker by your side, let us deal with the mortgage aspects to take the stress away, leaving you to focus on the move itself.

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Our Customers Love Us

2000+ 5-Star Reviews

Derek

They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended

3 days ago

Michelle

The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...

2 weeks ago

Lawrence

Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.

2 weeks ago

Gemma

Excellent speedy service and always available to work around the best times for us, including calls at weekends

1 month ago

Gillian

Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.

1 month ago

Karen

Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.

1 month ago

Stephen

We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...

1 month ago

Victoria

Jenna was very quick to sort out my mortgage, it was very straight forward and easy.

1 month ago

John

UK money man are excellent and have walked me through every stage of both the initial mortgage process and the remortgage two years later, couldn’t recommend them enough!!

1 month ago

Antonia

Matt Collinson and Meghan Robinson were absolutely wonderful. Provided updates, always avaliable and dealt with our mortgage so quickly! We had a mortgage offer within 2 and a half days and they sorted it all. Absolutely over the moon and would...

1 month ago

Babak

So fast and brilliant services which surprised us and the agent by receiving the mortgage offer less than one week. Malcolm is very responsive

2 months ago

Alistair

We used UK Moneyman for our first mortgage back in 2021. When it came to remortgaging, we confidently used their services again. Chris has been fantastic at reassuring us around the changes in interest rates and explaining everything clearly. Meghan...

2 months ago

Hannah

The whole team at UK Moneyman have been so friendly and helpful, whilst also providing an excellent service and securing me a mortgage offer really quickly. Even when there were questions and changes, they went over and above to help and always came...

2 months ago

Sarah

Fantastic service from Tom Bowes

3 months ago

Brooke

Excellent service, great communication & highly professional

3 months ago

Khristopher

Malcolm and Meghan did a great job with my application which due to a chain breaking down had to be done for two different properties, was kept informed throughout and they made me aware of changes in the market i didn't know about. Would happily...

3 months ago

Hilary

Matt and Wendy worked tirelessly and creatively to reach a great mortgage outcome for me in what was a less than straightforward journey. The commitment and advocacy was fist class and communication, always excellent. Matt really earned his broker...

4 months ago

Nina

I'm very happy with the services UK Moneyman have been providing during my buying process so far. I'm a first-time buyer so it was very important to me to have a mortgage broker who could answer all my questions in a timely and professional manner....

4 months ago

Stuart

Great team who works to get you exactly what you need, they made the whole process smooth and painless, so I would highly recommend them.

4 months ago

Danielle

I honestly couldn't have asked for a better service with UK Moneyman! I have been working with Charlie and Wendy! They have been SO helpful throughout the whole process and so supportive, never a hassle for them when I've been bombarding them with...

5 months ago

Moving Home Mortgages FAQs

Can I move my current mortgage to a new house?

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?

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?

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?

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

We are open every day of the week!

We are able to work around your busy moving schedule, always there when you need support.

Benefit from a Free Mortgage Appointment.

You won't have to pay us before we do anything! We're only paid on getting results.

You will get a dedicated case manager.

You can worry less knowing that you'll have the same person to work with all throughout your process.

We care about our customers!

It's never simple trying to move a mortgage or obtain a new one. We'll be on hand to support you during your process.

Insurance advice for you and your family, free from jargon.

We'll recommend the best insurance products to ensure you won't have to leave your home, should you happen to fall seriously ill or be unable to work.

1000s of possible mortgage options.

We're able to take part of the stress off your shoulders, looking for the best mortgage deal possible, whilst you focus on the move.

We have a lot of experience and knowledge.

It's likely we will have encountered something like your situation before. We will use what we know to further your case.

You will have a mortgage advisor with you every step of the way.

We know that moving home is stressful. You have to sell your current home and find another at the same time. We'll work hard to reduce your stress, going beyond to help recommend property surveys and conveyancing solicitors too.