Moving to
A new home
Whether you are looking to upsize, downsize or just fancy a change of scenery, we can assist with your mortgage needs when moving home. We will guide you through the moving process and the costs of moving whilst looking at your current mortgage and portability options in detail to recommend the best solution tailored to you and your needs.
Your home move in 4 simple steps
Step 1
Book a time to chat over your objectives and circumstances with our personal home buying expert / mortgage adviser.
Step 2
Let us save you time by working out all the costs, researching the market and giving you the confidence to move home.
Step 3
When you have found a buyer and a property to purchase, your mortgage adviser will apply for the right mortgage for you.
Step 4
We will see you all the way through to getting your door keys, keeping you well informed along the way.
Get the advice you need; speak with a mortgage expert today
What you need to know....
How much can I borrow?
You can get an indication of how much you can borrow by using our handy “how much can I borrow” calculator. The actual amount you can borrow will depend on your credit commitments, your regular monthly outgoings and how each lender assesses your income.
It may be possible to borrow more than our calculator shows you; that’s where the expertise of our personal advisers comes in, along with our knowledge of the lending market.
What costs are involved with selling and buying my new home?
There are costs associated with selling and buying your new home. When selling your current home, you will need to consider estate agency fees, legal fees to sell and any potential mortgage penalties if applicable. With your onward purchase potential costs include legal fees, a survey fee, stamp duty (which is a property land tax) and administration fees. Within selling and buying you may want to clear some debt from the sale proceeds to make your overall monthly outgoings more affordable. Our personal advisers can give you guidance and advice within a fee free consultation.
Will I get the right deal?
Because we work with a range of lenders, we will be able to research and find a mortgage that works best for your circumstances.
What is the benefit of having an agreement in principle?
An Agreement in Principle, also known as a ‘Decision in Principle’ will be provided after affordability and credit checks have been approved. An Agreement in Principle is extremely useful to increase your confidence when viewing and offering on properties.
Estate Agents will typically want to see an Agreement in Principle before presenting your offer to the seller. Our personal advisers can help you with this.
What insurance will I need?
It’s a requirement of your mortgage to have buildings insurance. This covers the bricks and mortar of the property.
It’s also a good idea to take advice from your personal adviser on protecting you and your loved ones if something bad happens. For example Life Cover, Critical Illness Cover and Income Protection.
Will I be accepted for a mortgage to move home?
Being accepted for a mortgage does depend on your circumstances. We are experts in a wide range of mortgages. We specialise in obtaining mortgages for the self-employed, contractors, construction industry scheme (CIS) workers, and those with historic adverse credit (as well as employed people, of course).
In all these situations, we can frequently secure high street deals. Being experienced experts is a real benefit in these circumstances.
How much will my monthly payments be?
Your monthly payments will vary according to the chosen mortgage term, choice of product, level of deposit and repayment type. You can get an indication of the monthly payments by using our calculator, but it is best to chat with a personal adviser to find out exactly what interest rate and term you can secure to give an accurate monthly payment.
How much can I buy my next home for?
You will need to find out how much you can borrow, how much you will be able to use as a deposit after the selling and purchasing costs, and the monthly payments to accurately assess your maximum purchasing power. It is best to have an expert give you the guidance you need and advice before putting your property on the market.
Should I use a local estate agent or an online agent to sell my current property?
A local estate agent will generally offer better value for money than an online agent. A local agent is probably going to be more expensive than an online agent however they have the local knowledge to value your property accurately, will arrange the viewings, conduct personal viewings at short notice, provide necessary feedback and negotiate the best price from the buyer. Both online agents and estate agents will typically use web portals. Our mortgage experts can help you make the decision and discuss costs.
Useful calculators
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How much can
I borrow?
Your annual income
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Your partner's annual income (if applicable)
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You could borrow up to
Talk over your objectives with an Expert Mortgage Adviser now on 07935 861489
Mortgage repayment calculator
How much will you be borrowing?
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Over how many years?
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Your monthly repayment will be
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What is the interest rate?
Talk over your objectives with an Expert Mortgage Adviser now on 07935 861489
How much deposit will I need?
Purchase price
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You will need a deposit of at least
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Talk over your objectives with an Expert Mortgage Adviser now on 07935 861489
Our mortgage calculators can give you an idea of how much you could borrow, the deposit you may need and your monthly repayments. They do not represent an offer. Lenders' terms and conditions are subject to frequent changes, please speak to an adviser.
Your home may be repossessed if you do not keep up repayments on your mortgage.
5-star reviews
Rachel F.
"Jodie helped us with our first mortgage 7 years ago and has recently just helped us renew onto the best rate again alongside renewing our life insurance onto a cheaper monthly cost. She goes above and beyond for her clients and nothing is too much for her. We had a lot of bumps in the road when we first applied for a mortgage but Jodie kept us updated and advised us of the best options available. Would highly recommend and will be using Jodie in the near future as we are looking to move again."
"5* service would definitely recommend! Nothing is ever too much for Jodene and she keeps you updated with everything! Friendly and efficient, Thankyou."
Lucia E.
"We have used Jodene for about 10 years now. we wouldn't go anywhere else for advice or support when moving or changing mortgage providers! Jodene always goes above and beyond and is just lovely, we are very grateful for her knowledge, expertise and honesty when guiding us through the process at each turn!"