Home mover mortgages.
Moving home can mean changing borrowing, transferring your current deal, or taking a new mortgage. More Financial.
Advice that works around your plans.
Moving home can mean changing borrowing, transferring your current deal, or taking a new mortgage. We help connect the mortgage decisions with the timing of your sale and purchase.
Speak to our team ↗Review existing mortgage balance and portability
Work out the budget for your next property
Plan the application and next steps alongside your move
Good to know.
Can I take my existing mortgage with me?
Some lenders offer mortgage portability, subject to their current criteria and approval.
Can I borrow more when I move?
That depends on income, commitments, equity and the lender’s affordability assessment.
Work from net equity, not the headline selling price
Deduct the mortgage balance, possible early repayment charge and selling costs from expected sale proceeds. Then budget for the next deposit, legal costs, survey, removals and any transaction tax. The agreed sale price is not the amount available for your next purchase.
Porting still requires lender approval
A portable mortgage product normally requires a new assessment of your circumstances and the next property. Additional borrowing may sit on a separate rate or end date. Compare that structure with changing lender before relying on a particular monthly payment.
Further reading: MoneyHelper: buying and moving costs ↗. Source checked 24 October 2026. Guidance is general; current lender criteria and your circumstances determine the options.
A quick question? We can help.
Tell us a little about your plans. We'll be in touch to explain your options. Your initial consultation is free.