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Get the best mortgage deal when moving house

When you move house, it can signal the start of a new phase in your life. An element of that can be restructuring your finances and looking at what new mortgage deals are now open to you. For example, moving onto a better interest rate can save you thousands over the term of a mortgage.

When you sell your existing property, the equity you have built up while living there can mean a better or shorter mortgage may be available on your next purchase. If you are downsizing, that effect can be further magnified.

Alternatively, when taking a step up the property ladder, you may need to borrow more. In this case, changing from a variable rate to a fixed-rate mortgage can give you peace of mind that your payments remain fixed for a number of years.

Key considerations when switching your mortgage

While switching can save you money on repayments, you should make sure you don’t fall foul of penalty clauses by ending your existing mortgage early. We take all details of your current deal into account when accessing your future options. The savings on a new mortgage deal could still easily outweigh an applicable early repayment charge.

The more you have available to put down as a deposit, the less you have to borrow. That’s obvious, but what it translates to in mortgage terms is the loan-to value ratio, or LTV. Generally speaking, the lower the LTV, the less the perceived risk to the lender, meaning more favourable terms and a wider range of the mortgage products will be available to you.

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Step 3
01

Tell us about you

Complete our new client discovery form online and let us know the most convenient time for our advisor to call you.

Step 2
02

We'll find you the best deal

A short introductory call with our advisor will establish the lenders available to you and your most cost-effective solutions.

Step 1
03

In safe hands

We manage the entire mortgage process from application to completion and are always on-hand to assist your estate agent or conveyancer.

Step 4
04

Keeping you cost-effective

We track your mortgage throughout the term and will contact you before it’s time to remortgage onto a better deal.

Mortgage Calculator

Get a quick estimate of your mortgage repayments with our useful mortgage calculator. Please note this is for guidance purposes only.

Our full range of services

  • First-time buyer
  • Home mover
  • Remortgaging
  • Buy to let (own name)
  • Buy to let (ltd company)
  • Holiday let
  • HMO
  • Student let
  • Help to Buy (equity loan)
  • Shared ownership
  • Right To Buy
  • Self-build
  • Bridging finance (residential)
  • Bridging finance (commercial)
  • Development finance
  • Portfolio buy to let
  • Lending into retirement
  • Retirement interest-only
  • Equity release
  • Second charge
  • Secured loans (residential)
  • Secured loans (buy to let)
  • Home improvement
  • Product transfer