HOME MOVER MORTGAGES
Moving Home? We’ll Help You Find The Right Mortgage
Moving home is an exciting new chapter, but it often means balancing the sale of your current property with securing your next mortgage. We’ll guide you through every stage, helping you understand your options and find a mortgage that’s right for your circumstances.
Based in Dorset, providing mortgage and protection advice to clients across the UK by telephone, video and face-to-face appointments.
Advising Clients UK-Wide
Telephone, Video & Face-to-Face
YOUR MOVING JOURNEY
Making Your Next Move Simpler
Whether you're upsizing, downsizing or relocating, we'll help you navigate the mortgage process and keep everything moving towards your new home.
Review your current mortgage
We'll discuss your existing mortgage, any early repayment charges and your plans for moving.
Explore your mortgage options
We'll research suitable lenders and recommend a mortgage that's tailored to your circumstances.
Manage your application
We'll support your application and work alongside your lender and solicitor throughout the process.
Move with confidence
We'll stay with you through to completion, helping make your move as straightforward as possible.
YOUR HOME MOVING JOURNEY
Selling & Buying Your Next Home
Moving home often means coordinating the sale of your current property while arranging the purchase of your next one. Understanding the typical stages can help everything feel more manageable and ensure you’re prepared for what comes next.
01
Decide To Move
Review your goals, budget and the type of property you’re hoping to buy.
02
Value Your Current Home
Arrange valuations and understand how much equity you may have available.
04
Find Your Next Home
Begin your property search with confidence, knowing your budget and borrowing options.
05
Offer Accepted
Once offers are agreed, the legal and mortgage process can begin.
06
Mortgage Application
We’ll help prepare and submit your application, then keep you informed as it progresses.
07
Exchange Of Contracts
Your moving date is agreed and both transactions become legally binding.
08
Complete Your Move
Collect the keys to your new home and begin your next chapter.
Planning ahead makes moving home less stressful
Selling and buying at the same time can feel complex, but with the right planning and clear advice, we’ll help keep everything moving smoothly from start to finish.
PORTING YOUR MORTGAGE
Can You Take Your Existing Mortgage With You?
One of the most common questions when moving home is whether you can keep your current mortgage. In some circumstances you may be able to port your existing mortgage product to your new property, although this will depend on your lender’s criteria and your individual circumstances.
What Is Mortgage Porting?
Porting means transferring your existing mortgage product to a new property, if your lender agrees. It does not automatically mean your mortgage can simply move across.
Will Affordability Be Checked Again?
Usually, yes. Your lender will normally reassess your income, outgoings and wider circumstances before agreeing to port your mortgage.
What If You Need To Borrow More?
If your next property costs more, you may need additional borrowing. This could be on different rates or terms from your existing mortgage.
Port Your Mortgage
You may keep your existing mortgage product if your lender allows it and your new application meets their criteria.
New Mortgage
A new mortgage may be considered if porting is not available, not suitable or if another option better fits your move.
Did you know?
Porting a mortgage does not automatically guarantee approval. Your lender will usually reassess your application before confirming whether your existing mortgage product can be transferred.
UNDERSTANDING THE COSTS
What Costs Should You Budget For When Moving Home?
Moving home involves more than just your new mortgage. Planning ahead for the additional costs can help avoid unexpected surprises and make your move much smoother.
Estate Agent Fees
If you’re selling your current home, estate agent fees are often one of the biggest moving costs.
Typical examples: agency fees, marketing costs, sale progressionSolicitor & Conveyancing Fees
Legal work is usually required for both selling your current property and buying your next one.
Typical examples: conveyancing, searches, Land Registry feesStamp Duty
Depending on your circumstances and the property you’re buying, you may need to pay Stamp Duty Land Tax.
Typical examples: main residence rates, additional property rates where relevantSurveys & Valuations
Depending on the lender and your own preferences, you may choose to arrange additional property surveys.
Typical examples: lender valuation, HomeBuyer Survey, Building SurveyRemoval Costs
Professional removals, storage and packing services can all add to the cost of moving home.
Typical examples: removals, storage, packing materialsMortgage Fees
Some mortgages include arrangement or product fees, although not every mortgage will have these.
Typical examples: arrangement fee, valuation fee where applicablePlan Your Budget With Confidence
We’ll help you understand the costs involved before you commit to moving, so you can budget with confidence and avoid unnecessary surprises.
WHY CHOOSE CONRAD FINANCIAL SERVICES
Moving Home Doesn’t Need To Be Complicated
Coordinating a sale, purchase and mortgage at the same time can feel overwhelming. We’ll help manage the mortgage process, explain your options clearly and keep you updated throughout your move.
Support For The Whole Move
From reviewing your existing mortgage to understanding your next borrowing options, we’ll help you move forward with clarity and confidence.
Clear Advice Before You View
We’ll help you understand your budget and options before you start making offers.
Help With Porting Questions
If you have an existing mortgage, we’ll explain whether porting may be an option.
Support With Chains & Timescales
We’ll keep you informed as your purchase progresses and key dates approach.
Personal Service Throughout
You’ll deal with a real adviser who understands your move and your priorities.
Clear advice. Careful planning. Support until completion.
HOME MOVER GUIDES
Helpful Guides For Your Next Move
Explore practical guides about moving home, mortgage options, property chains, affordability and planning the finances around your next property.
View All Home Mover Guides
How does a property chain affect a mortgage and completion?
Explore how a property chain can affect mortgage offers, exchange and completion dates, communication, delays and contingency planning.
Read Guide
Can I port my mortgage when I move home?
Understand mortgage porting when moving home, including reapplication, affordability checks, extra borrowing, fees and early repayment charges.
Read GuideCLIENT FEEDBACK
★★★★★
Moving home was so much less stressful than we expected.
“We were worried about coordinating the sale of our old home while arranging the mortgage for our new one, but Conrad Financial Services made everything feel straightforward. They explained our options clearly, kept us updated throughout the process and worked closely with everyone involved. Having someone guide us through each stage made a real difference, and we completed our move feeling confident and well prepared. We wouldn’t hesitate to recommend them to anyone moving home.”
Poole, Dorset
HOME MOVER QUESTIONS
Answers To The Moving Home Mortgage Questions We’re Asked Most Often
Moving home can involve a few extra decisions, especially if you already have a mortgage or need to coordinate a sale and purchase. Below are answers to some of the questions we’re most commonly asked by home movers.
Ask Us About Moving Home
Whether you’re upsizing, downsizing, relocating or considering whether to port your existing mortgage, we’ll help explain your options clearly before you move forward.
Need clarity?
Need Help With Your Mortgage?
Not sure which mortgage option is right for you? Book an initial conversation and we’ll help you understand the next steps.
Can I take my existing mortgage with me when I move?
What happens if my new home costs more?
Can I move home before my fixed rate ends?
Will I need a new affordability assessment?
Should I sell my home before applying for a new mortgage?
What if my buyer pulls out?
How long does a home mover mortgage take?
Can I buy before I have sold my current home?
When should I speak to a mortgage adviser?
LET'S START THE CONVERSATION
Ready To Discuss Your Mortgage?
Whether you’re buying your first home, moving house, remortgaging or looking for specialist mortgage advice, send us a few details and we’ll get back to you.
- Comprehensive lender panel mortgage advice
- Telephone, video and face-to-face appointments
- Dorset based, supporting clients across the UK
- Usually respond within one working day
READY TO TAKE THE NEXT STEP?
Let’s Talk About Your Mortgage & Protection Plans.
Whether you’re buying your first home, moving house, remortgaging, self-employed, a company director or looking to protect your family, we’re here to help you make confident decisions.