Moving Home Mortgages

Expert mortgage advice to help you not miss out on savings and save time with moving home mortgages

We’re rated Excellent on Google – We’ve got you covered

Author: Will Walton - Mortgage Advisor, Founder

Updated: February 23, 2023

Here’s everything you need to know about moving home with a mortgage. Get in touch if there’s something specific you’d like to ask. You can get in touch by getting started or submitting a question to an expert mortgage advisor.

Understand your budget with a Decision in Principle

A decision in principle is also called an “agreement” or “mortgage” in principle. They all refer to the same thing which is an initial yes from a mortgage lender. This is here to give you an idea of what you can expect to borrow. This helps understand your budget for buying your home. This is the best place to start.

A decision in principle will also allow you to see what mortgage rates you are eligible for. This also helps budget your potential mortgage monthly repayments. 

Many estate agents will ask to see a decision in principle if you would like to place an offer on a property. This acts as a way of showing the agent you can likely afford to purchase the property and that you are a serious buyer. Remember, you can use any mortgage advisor you like, even if they suggest otherwise.

Ready to move home ? Let's get you started

We;re here to help you compare your mortgage options to get the most out of your move and not miss out on savings.

I want to move home but I have a fixed rate mortgage?

We can help look at the options with your current lender or other providers. In many cases, you may be able to “port” your existing mortgage to your new home. This means you can keep your existing rate and top up any new balance needed. This can often help you avoid any costly early repayment charges. In some cases, a new lender is the best option. Important – you may need to pay an early repayment charge to your current lender if your remortgage early.

How much deposit will I need?

This will depend on several things  such as:

  • Your credit history
  • Your income 
  • The property you are looking at buying 

We’re here to help you understand exactly how much deposit you can expect to need. This can help you budget with clarity  and understand how much you can keep back for furniture etc. 

Our Fee-Free promise to you

We don’t charge you a penny for our service. Our mortgage advice service is free to use. This is because like most mortgage brokers, we receive a payment from the lender, when your mortgage completes. We choose not to charge a fee on top of this. We do this to make sure we save you as much as possible on your mortgage deal with  unbiased, fee-free mortgage advice.

Rated Excellent by our clients

Will has been an amazing.

 He has been there throughout my home buying processing going out of his way to help. He found me a great mortgage deal which met my requirements and he was there to answer all my mortgage and home buying questions. He is very professional, great communication , honest and knowledgeable.He has made my house buying journey seamless and I couldn’t be more grateful.

Margaret – Google Review

An awesome service from beginning to end.

Will is just amazing. He helped me through the process of re-mortgaging under complex circumstances every step of the way. He responded swiftly to every enquiry and gave me the confidence that everything was under control. I would recommend his services to anyone as he really knows what he is doing and got me the best deal possible. Thanks Will

Jennifer – Google Review

Continuously goes above and beyond to give the best service

I have spoken to many mortgage advisors and Will by far is the most thorough, detailed, approachable and available individual that I have had the privilege of working with. He is very transparent, helpful and continuously goes above and beyond to give the best service to his customers. Thank you Will for looking after me. It has been great working with you.

Hamid – Google Review

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