Plan the mortgage alongside your move
Moving home may mean changing your borrowing, taking a new mortgage or asking your current lender whether an existing deal can move with you. The available route depends on the lender and your circumstances.
Keeping or changing your current deal
A portable mortgage is still subject to lender approval and relevant criteria. Extra borrowing may have different terms. Check early repayment charges, product fees and any conditions before making a decision.
Build a complete moving budget
Consider the sale and purchase costs, legal work, surveys, any applicable taxes and the impact of changed monthly repayments. A longer mortgage term can reduce monthly payments while increasing the interest paid overall.
Prepare for the conversation
- Your current mortgage balance and deal end date.
- Any early repayment charges or product restrictions.
- Your expected sale price, purchase budget and deposit.
- Changes to income, commitments or household circumstances.
Discuss your move
Call 07771 112070 or start a WhatsApp conversation. Please do not send identity documents, bank statements or medical information through an initial website or WhatsApp enquiry.