Home Mover Mortgages

There are usually three things to weigh up when moving — your existing deal, the chain, and timing:

Porting

Take your existing deal with you when you move — if your mortgage is portable and the new property qualifies.

Chain timing

Align your mortgage with your sale and purchase timelines so the chain doesn't break.

Bridging

Short-term finance to cover the gap between selling and buying when timing doesn't line up.

Porting your mortgage

If you're on a good rate, you may be able to 'port' your existing mortgage to your new property — essentially taking your deal with you. Not all mortgages are portable, and the new property will still need to meet the lender's criteria.

We'll check whether porting is possible — and whether it's actually the best option compared to switching to a new deal.

Porting your existing deal

Keep your current rate and avoid early repayment charges — but you're still bound by your existing lender's criteria for the new property.

Switching to a new deal

Full access to 190+ lenders
May find a better rate than your current one
ERCs may apply — we'll do the maths first
Useful if your current lender won't lend on the new property

Buying and selling at the same time

Managing a property chain can be stressful, and timing is everything. We'll make sure your mortgage is arranged to align with your sale and purchase timelines, keeping the process as smooth as possible. If complications arise in the chain, we'll advise on your options to keep things moving.

Bridging the gap

Sometimes there's a gap between selling your current home and completing on your new one. Bridging finance can provide a short-term solution to cover that period. We'll explain how bridging loans work, what they cost, and whether they make sense for your situation — or if there's a better alternative.

"Moving home is one of the most stressful things you'll do — the mortgage shouldn't add to it."

Our job is to make sure the mortgage side of moving doesn't add to the stress — from porting decisions to bridging the gap, we'll keep things moving.

Who we help

UpsizingDownsizingRelocatingBroken chainBridging neededPorting a fixed rateBuying before selling