Moving Home Mortgages

Are you looking for that next step but don't know where to start? Here's how a mortgage broker 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.

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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Moving Home Mortgages 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

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.

Our Customers Love Us

Reviews Stars4.97 Rating246 Reviews

We search 1000s of moving home mortgage deals

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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk

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