Moving Home
Mortgage Advice

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How Can We Help When You’re Moving House?

Moving home often means reviewing your mortgage too. Boon Brokers provides fee-free, whole-of-market mortgage advice to home movers across the UK.

Your very own mortgage adviser will review your existing mortgage, the property you’re buying and your circumstances and explain the options available to you.

This could include porting your current mortgage, borrowing more or arranging a new mortgage for your next home.

We’ll compare suitable options from across the market and manage your application on your behalf, with no broker fees to pay.

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Our Success Story from a Home Mover

“I would 100% recommend Boon Brokers to anyone moving home; in fact, we already have over the last six years. The professional service we have received over the years, and continue to get, is second to none.”

Emily gave a 5-star rating on Trustpilot and shared her latest experience with us in more detail.

View Emily's Success Story

Getting Prepared for Your Move

If you’re planning to move home, understanding your current mortgage and how much you could borrow for your next home can be a useful place to start. These tools and guides can help you prepare:

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What Happens to Your Current Mortgage?

Have a mortgage and want to sell your home? Find out what happens when you sell and how this can affect your next home purchase.

Read the Guide
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Can You Take Your Mortgage With You?

Some mortgages can be transferred to a new property. Our guide explains how porting a mortgage works and when to consider it.

Read the Guide

We'll Explore Your Options

If you already have a mortgage, you have a few options when moving home. You could port your mortgage, borrow more or arrange a new one. We’ll help you understand each option:

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Port Your Mortgage

If your current mortgage is portable, you may be able to take it with you to your new home. We'll check your existing deal and lender requirements.

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Borrow More

Need a larger mortgage for your next property? We’ll assess your affordability and explore your options for additional borrowing.

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New Mortgage

Looking for a new mortgage? We can compare mortgage options from across the market to find a suitable deal for your home move.

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Get Fee-Free Advice

Enquire below and one of our fee-free mortgage advisers will be in touch to discuss your options.

     

    Frequently Asked Questions

    View all FAQs

    Can I Transfer My Mortgage When Moving Home?

    Yes, you may be able to port your existing mortgage to a new property. This will allow you to keep your current deal when moving home, subject to your chosen lender’s approval. Boon Brokers can help you transfer your mortgage, guiding you through the process to ensure an easy transfer.

    Can I Get a Larger Mortgage When Moving Home?

    If your new home requires a bigger mortgage, you’ll need to submit a fresh application. As long as you pass the affordability checks of your chosen lender, you can absolutely apply for a larger mortgage to suit your new needs.

    Can I Move Home If I’m in Negative Equity?

    If your mortgage balance is higher than your property’s value, you will need to cover the shortfall (difference) when selling your property. At Boon Brokers, our expert mortgage advisers will help you explore all of your new options and help plan a mortgage move that works financially for you.

    How Much Does It Cost to Move Home?

    The cost to move home will ultimately vary depending on your transactions, including legal fees, stamp duty, estate agent fees, and valuations. With Boon Brokers, our mortgage advice is completely fee-free, so you’ll receive expert advice and guidance without additional broker fees.

    How Much Can I Borrow When Moving Home?

    Your borrowing capacity will wholly depend on your income, outgoings, and loan term. Our expert advisers can help you calculate your maximum mortgage and guide you to the best deal for your new property.

    How Much Stamp Duty Will I Pay When Moving Home?

    Stamp Duty Land Tax (SDLT) depends on the property price and type. While there is a tax relief for first-time buyers, any additional properties - such as moving homes - will have to pay SDLT in line with their property costs. Boon Brokers can clarify exactly how much you’ll owe and help you plan ahead.

    Can I still get a Mortgage on a Bungalow?

    Yes, bungalows are eligible for mortgages. We’ll guide you through the application and ensure you get the most suitable deal for your property type.

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