Moving House Mortgage Advice | Home Mover Mortgages

Mortgage Advice For Moving Home

Ready for the next chapter in your home journey? Whether you're looking to upsize, downsize or just want a change of scenery, we're here to make your house move seamless.

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Helping you easily move house

We make getting a mortgage for your new home easy, so you can focus on moving in without stress.

Our service is completely free and always will be
We provide impartial, no obligation advice
All the paperwork and admin is taken care of by us
We offer personalised advice tailored to your circumstance

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Ready to get moving? We provide fee-free advice and will find you the best mortgage when moving home. Book a consultation and take the first step to buying your new property.

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Mortgage advice for moving home

Finding a mortgage when moving home can seem overwhelming, but our expert mortgage advisers will help you at every stage. From finding the best deal on the market to arranging the mortgage with the lender, we do it all. Whether you're looking to port your mortgage, switch lenders or apply for a new mortgage to cover the value of your new property, we will secure the best deal for you.

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Why Choose Boon Brokers?

We offer free impartial mortgage advice from start to finish and have whole-of-market access to ensure you get the best mortgage deal. We take time to understand your unique circumstances and goals, so we can make sure you get a mortgage that aligns with your needs.

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Full Mortgage Support

Once your mortgage has been secured, our support does not stop there. Whether you have questions about your mortgage or need advice on future financial endeavours, our team of friendly experts are happy to help.

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Step One

Book a free consultation by completing our Request a Callback form or email us.

Step Two

One of our friendly advisers will contact you to learn more about your situation.

Step Three

Relax while we find you the best mortgage for your new home.

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Can I transfer my mortgage to another property?

Yes, you may be able to transfer your mortgage to another property. This is known as porting. For full details on porting, please visit our Porting Guide.

What if I need a larger mortgage?

If you move home, a new mortgage application will need to be submitted. As long as your mortgage affordability allows, you can apply for a larger mortgage at that time. When moving home, your existing mortgage is redeemed and a new mortgage is secured to the onward purchase

What happens if I’m in negative equity and want to move house?

If you are in negative equity, you will owe more money to your existing mortgage lender than the value of your property. This means that, following the sale, you will need to repay any outstanding loan balance from your own means. This will reduce the savings that you may have set aside for a deposit on the onward purchase.

How much will it cost to move?

Moving costs vary significantly from purchase to purchase. Just a few of these variables include legal fees, stamp duty land tax, estate agent fees (associated with your sale), valuation and broker fees. These costs can significantly differ with each transaction. For example, some mortgage brokers, like Boon Brokers, do not charge broker fees at any stage of the process.

How much can I borrow?

Your maximum borrowing capacity for a mortgage will depend on numerous factors. The most significant factors are typically your income, financial commitments and overall loan term. For a more detailed explanation of how lenders determine your maximum loan sum, view our guide on the matter.

How much stamp duty will I have to pay?

The Stamp Duty Land Tax (SDLT) payable on a property purchase will depend on the purchase price and the type of purchase. For example, if you are a first-time buyer, you will have stamp duty relief up to £425,000.00. Whereas, if you are buying an additional property/buy to let, you will pay an enhanced rate of SDLT. View our Stamp Duty guide for more information.