Home mover mortgages – couple moving into their new home

HOME MOVERS

Moving home is stressful
enough, finding the right
mortgage shouldn’t be.

Whether you’re upsizing, downsizing or relocating, we’ll help you
compare mortgage options, manage the process and keep everything
moving smoothly from offer through to completion.

✔ Whole of Market Mortgage Advice
✔ Free Consultation
✔ Support From Offer to Completion

Book Your Free Consultation

How do home mover mortgages work?

Home mover mortgages can involve a little more planning than your first purchase. Whether you’re upsizing, downsizing or simply looking for somewhere new, we’ll help you understand your borrowing options and guide you through the mortgage process from your current home to your next.

Your Home Moving Essentials

🏡 Can I move my mortgage?

Many lenders allow you to transfer (or “port”) your existing mortgage to your new property, subject to meeting their lending criteria. We’ll explain your options and whether porting is the right choice for you.

💷 How much could I borrow?

Whether you’re moving to a larger property or downsizing, we’ll assess your affordability and explain how much you may be able to borrow before you start your search.

⏳ When should I arrange my mortgage?

Ideally, before your property goes on the market. Having your finances in place early helps you move quickly when you find your next home.

🔑 What if I’m buying and selling at the same time?

Buying and selling together can feel complicated, especially if you’re part of a chain. We’ll work alongside your estate agent and solicitor to help keep everything moving smoothly.

Why Choose Liberty Money for Your Move?

🏠 Whole of Market Access

We compare mortgages from a wide range of high street and specialist lenders to help find the right solution for your next home.

🤝 Dedicated Adviser

You’ll work with one adviser from enquiry to completion, keeping things simple and ensuring you always know who to contact.

🔄 Mortgage Porting & Borrowing More

Whether you’re taking your current mortgage with you or looking to borrow more, we’ll explain your options clearly and help you make an informed decision.

💬 Clear Communication

We’ll work closely with you throughout the process, keeping you updated and helping to keep your move on track.

Costs to Consider When Moving Home

Moving home involves more than just your deposit. Understanding the additional costs can help you budget confidently and avoid unexpected surprises.

🏡 Estate Agent Fees

Fees for your chosen estate agent to sell you current property.

⚖️ Solicitor Fees

Legal work involved in purchasing your property.

📋 Survey/Valuation

Helps identify any issues with the property before you buy

🏠 Stamp Duty

Many first-time buyers pay reduced or no Stamp Duty, depending on the purchase price and current government rules.

📝 Mortgage Fees

Lender fees and valuation charges to process your application.

🚚 Moving Costs

Don’t forget removals, furniture and other moving expenses.

Frequently Asked Questions

In many cases, yes. This is known as porting your mortgage. Some lenders allow you to transfer your existing mortgage product to your new property, subject to affordability checks and the property meeting their lending criteria. If you’re borrowing more, you may need an additional mortgage product alongside your existing one. We’ll explain all of your options and help you decide whether porting your mortgage or arranging a new one is the best solution for your move.

The right option depends on your circumstances. While porting your mortgage may allow you to keep your current interest rate and avoid early repayment charges, a new mortgage could offer a better overall deal depending on today’s rates and your borrowing needs. We’ll compare both options and provide clear advice to help you make an informed decision.

Yes. Many people moving home need to increase their borrowing to purchase a larger or more expensive property. Your lender will assess your income, outgoings and affordability before confirming how much additional borrowing is available. If your current lender can’t meet your needs, we’ll compare mortgages from a wide range of lenders to find the right solution.

Unfortunately, property chains can sometimes break down. If this happens, we’ll work with you to understand your options and, where possible, help minimise any disruption to your mortgage application. Depending on the circumstances, your application may be amended, delayed or transferred to another property. We’ll keep you informed throughout and support you every step of the way..

It’s a good idea to speak to a mortgage adviser before you begin viewing properties. Understanding your budget and obtaining an Agreement in Principle can give you confidence when making offers and show estate agents that you’re in a strong position to proceed. The earlier we start planning your mortgage, the smoother your move is likely to be.

Yes, although it’s important to understand whether early repayment charges apply to your existing mortgage. Depending on your lender, you may be able to port your mortgage to your new property or arrange a new mortgage if that provides better value. We’ll explain any costs involved and help you choose the most suitable option.

Every move is different, but most mortgage applications are completed within 4 to 16 weeks from submission, depending on the lender, valuation, solicitor and property chain. We’ll keep you updated throughout the process and work closely with everyone involved to help your move progress as smoothly as possible.

In most cases, yes. Your lender will normally arrange a valuation of the property you’re buying to confirm it’s suitable security for the mortgage. You may also choose to arrange a more detailed HomeBuyer’s Report or Building Survey for additional peace of mind. We’ll explain the different survey options and when each may be appropriate.

Moving home involves more than just your mortgage. Depending on your circumstances, you may need to budget for solicitor’s fees, estate agent fees, Stamp Duty (where applicable), removal costs, surveys and mortgage-related fees. We’ll help you understand the likely costs involved so you can plan your move with confidence and avoid unexpected surprises.

This depends on your financial circumstances and the lender’s criteria. Some buyers are able to proceed before their current property has sold, while others may need to sell first. In certain situations, short-term solutions such as bridging finance may also be appropriate. We’ll discuss your plans, explain the options available and help you find the most suitable way to finance your move.

Ready for Your Next Move?

Let’s make your move as straightforward as possible.

Whether you’re just starting to think about moving or you’ve already found your next home, we’re here to provide clear, honest mortgage advice and guide you through every step of the process.