Move into your new home seamlessly, with streamlined mortgage support.
Selling and buying at the same time, or buying while having previously owned, can feel like a juggling act. We help home movers understand their options, line up the right mortgage, and keep everything moving smoothly.
At The Mortgage Heroes, we look at the full picture. We’ll explain whether it makes sense to port your mortgage or take a new deal altogether, and we’ll handle the details so you’re not trying to coordinate everything yourself.
A home mover mortgage is for people who already own a property and are buying a new one. This might involve transferring your existing mortgage, switching to a new lender, or re-evaluating how much you need to borrow.
Many people assume they must stay with their current lender or that moving home automatically means starting from scratch. In reality, the best option depends on your current deal, any early repayment charges, your income, and the value of both properties.
Home mover mortgages are assessed on a case-by-case basis, and lender criteria can vary. You may be suitable if you already own a property, have equity to put towards your next purchase, and your income supports the new borrowing.
We’ll take you through a cost of moving exercise, showing fees clearly and outlining your available deposit. Changes since your last mortgage, such as income structure or the type of property you’re buying, will also be taken into account. Even if your situation feels more complex, we’ll help you understand what’s realistic before you commit.
We keep the process clear and joined-up, so your mortgage supports your move rather than slowing it down.
We calculate your likely equity and deposit after factoring in your sale price, mortgage balance, and moving costs.
We review your mortgage options based on cost, suitability, and other key factors.
We explain the best route in plain English, including key pros and cons.
We can apply for a mortgage on your behalf, streamlining the entire process.
We manage the mortgage and liaise with lenders and solicitors.
We stay involved until your sale and purchase are complete.
Moving home often changes your mortgage commitment. Reviewing protection can help ensure your home and income remain protected if circumstances change.
Sometimes. This is known as porting, but it depends on your lender, the new property, and your affordability.
Often your deposit comes from the equity in your current property, but this can vary depending on sale price and mortgage balance. Your deposit doesn’t necessarily come from your equity, such as when buying and selling aren’t occuring simultaneously.
Changes to income, credit, or employment don’t automatically prevent a move. We’ll assess lender options based on your current situation.
Depending on your income and circumstances, you might be able to borrow more when you move. Additional borrowing can depend on affordability, property value, and lender criteria.
Timescales vary, especially when selling and buying together. We’ll guide you through each stage and help keep things aligned.
Yes. Many home movers speak to us early to understand budgets and plan next steps.
Read our guides, featuring clear explanations around selling, buying, porting mortgages, and managing the move from start to finish.
Start your journey online with The Mortgage Heroes. Our experts are here to help, offering clear, practical advice and support for your mortgage journey – without the pressure.
