Planning to move house? Let us help you every step of the way

Getting a mortgage for your new home is similar to getting a mortgage as a first-time buyer, but you are likely to have an existing mortgage and may have a larger deposit this time round.

Moving house – Your questions answered

Moving to a bigger house with a larger mortgage

If your house has gone up in value since you bought it, you’ll have built up more equity – which could increase your chances of getting a bigger mortgage for a more expensive property.

You’re also more likely to get accepted for a larger mortgage if you’ve had a pay rise or reduced your outgoings, as well as kept up with your existing mortgage repayments.

If you want to keep costs down, here are a few of our top tips:

  • If you don’t need to increase your borrowing, porting an existing mortgage to a new property through your current mortgage provider can help minimise costs
  • If you are tied into a fixed rate deal and you can delay moving, it’ll be cheaper to wait until your fixed deal has come to an end and you’re on your lender’s SVR as you won’t have to pay any early repayment fees
  • Even if you do have to pay an early repayment fee, you may find the cost is outweighed by switching to a mortgage with a lower interest rate, so it’s important to compare the costs which is something we can help with

If you’re looking to move house and you already have a mortgage on your current home, you might be able to transfer – or port – your fixed rate, tracker or other mortgage deal to your new home. It’s worth checking your mortgage details to find out.

If porting is possible, you’ll still need to reapply for your mortgage and go through the same affordability and credit checks you went through to get the mortgage. You’ll also have to pay for a valuation, as well as legal fees and stamp duty.

It might sound like a lot and seem overwhelming, but we’re here to help make the process as easy as possible and can find the best option for you.

Our Clients Say

“From our first meeting with Katie we knew we had made the right decision to come to her directly. She helped us to realise that anyone can get a mortgage if you look in the right places and have the right support. We began the process immediately and within 3 months of our first meeting we were picking up the keys to our first home.”

“We will be forever grateful for the help and support that we received from Katie and cannot recommend her enough to anyone looking for mortgage services in the future.”

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We pride ourselves on giving the very best advice to help our clients achieve their dreams. Our approach is not ‘one size fits all’, we really do work around your individual circumstances to get the best possible outcomes.

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