Home Mover Mortgages

Moving Home? We’ll Help You Arrange the Right Mortgage

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Mortgage Advice

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Whether you’re upsizing, downsizing or relocating, moving home is an exciting milestone—but arranging the mortgage can often feel like the most stressful part.

At Mortgage Links, we compare mortgages from a wide range of lenders and explain all of your options, including whether it makes sense to port your existing mortgage or arrange a completely new one.

We’ll guide you through every stage of the process, from your Agreement in Principle right through to completion.

Book your free consultation today.

We have access to 90+ Lenders

How We Can Help

Every home move is different.

We’ll help you:

  • Buy your next home.
  • Understand whether you can port your current mortgage.
  • Borrow additional funds if required.
  • Compare deals from your existing lender and the wider market.
  • Understand affordability before you start viewing properties.
  • Arrange an Agreement in Principle.
  • Navigate the mortgage application process.
  • Coordinate your mortgage with your solicitor and estate agent.
  • Protect your new home and mortgage with suitable insurance.
Mortgage Links Team Sheffield
Established

2022

What Can We Help With?

Here to help you through every stage of your mortgage journey

Moving to a Bigger Home

Need more space for a growing family? We'll calculate how much you could borrow and explain whether increasing your mortgage or changing lenders offers the best solution.

Downsizing

Whether you're releasing equity, reducing monthly payments or moving closer to family, we'll help you find a mortgage that suits your new circumstances.

Relocating

Moving to a new town or city? We'll make sure your mortgage is ready when you need it, helping to keep your move on track.

Borrowing More

Many home movers need additional borrowing. We'll explain your options and compare lenders to find a suitable mortgage for your new property.

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Porting Your Mortgage

Many lenders allow you to transfer ("port") your existing mortgage to your next property. We'll explain: Whether your mortgage is portable. If early repayment charges apply. Whether additional borrowing is required. Whether porting is actually the most cost-effective option. Sometimes switching to a completely new lender can work out cheaper—even after taking early repayment charges into account.

How it Works

The Remortgage Process

Step 1
Book Your Consultation

We'll discuss your plans, current mortgage and budget.

Step 2
Compare Your Options

We'll establish how much you could borrow and whether any additional borrowing is needed.

Step 3
Compare Your Mortgage Options

We'll review: Porting your existing mortgage. Staying with your current lender. Switching to a new lender.

Step 4
Mortgage Application

Once you've found your new home, we'll submit your mortgage application and liaise with the lender throughout.

Step 5
Mortgage Offer

After valuation and underwriting, your lender issues the mortgage offer.

Step 6
Completion

Your solicitor completes the purchase and you receive the keys to your new home.

How can we offer all of this for free?

Like all mortgage brokers, we’re paid by lenders when your mortgage completes.  The difference between us and other mortgage brokers is that we simply choose not to charge our customers a fee on top of this.

Ready to Move Home?

Whether you’ve already found your next property or you’re just starting to look, we’re here to help.

Book your free, no-obligation consultation today and let’s find the mortgage that’s right for your next move.

Home Mover FAQs

Common Questions From Home Mover Clients

Can I take my mortgage with me when I move?

Possibly. Many mortgages are portable, meaning they can be transferred to your next property. We'll check whether this is available and whether it's the most suitable financial option.

Is porting always the cheapest option?

No. Although porting allows you to keep your existing mortgage product, it isn't always the lowest-cost solution. We'll compare the total cost of porting against arranging a completely new mortgage.

Can I borrow more when I move?

Yes, subject to affordability and lender criteria. Many home movers increase their borrowing to purchase a larger property.

Can I move home if I'm self-employed?

Yes. There are many lenders who consider self-employed applicants. We'll recommend lenders whose criteria fit your circumstances.

Can I move home if my income has changed?

Yes. A change in income doesn't automatically prevent you moving home. We'll explain what options are available based on your current affordability.

What costs should I budget for?

Moving home may involve: Stamp Duty (where applicable), Solicitor's fees, Survey fees, Removal costs, Mortgage lender fees and Valuation fees (where applicable) We'll explain which costs apply to your mortgage.

Can I move before my fixed rate ends?

Yes. Depending on your mortgage, you may be able to port your mortgage or repay it and arrange a new one. We'll explain the financial implications of both options.

When should I arrange my mortgage?

It's usually sensible to arrange an Agreement in Principle before you start viewing properties. This helps you understand your budget and demonstrates to estate agents that you're a serious buyer.

Will I need another valuation?

Yes, in most cases. Your new lender—or your existing lender if you're porting—will usually require a valuation on the property you're purchasing.

Do I need a new deposit?

Normally the equity from your existing property provides your deposit for the next purchase. If you're borrowing more, we'll explain how your loan-to-value affects the mortgage options available.

What if my current mortgage has early repayment charges?

We'll calculate whether paying the charge could still leave you better off overall if another mortgage offers better value.

How long does a home mover mortgage take?

Most applications complete within four to eight weeks, although timings depend on the lender, valuation, legal work and the property chain.

Why Choose Mortgage Links?

Buying your next home is one of the biggest financial decisions you'll make. We'll compare mortgages from across the market while also reviewing your existing lender's options where appropriate. From your first enquiry until completion, we'll manage the mortgage process, explain everything clearly and work alongside your solicitor and estate agent to help keep your move progressing smoothly.