Home movers
Moving home, without the mortgage headache
Moving up the ladder, downsizing, or relocating for work or family? Whether you take your current mortgage with you or arrange a new one, I'll compare your options and handle the detail so your move stays on track.
How I can help you move
- Work out how much you can borrow for your next home, and what it will cost each month
- Check whether porting your existing mortgage or taking a new deal works out better for you
- Whole-of-market access, so we compare a wide range of lenders rather than one bank
- Advice on using the equity in your current home towards the new one
- Coordinate timings so your sale and purchase line up as smoothly as possible
- Review your protection so your new, often larger, mortgage is covered
The process at a glance
- Review your position We look at your current mortgage, equity, income and plans.
- Port or switch? I compare keeping your existing deal against moving to a new lender.
- Agreement in Principle This strengthens your position when you make an offer.
- Full application I handle the forms, documents and lender communication.
- Valuation and offer I keep things moving and update you at each stage.
- Completion I stay in touch with your solicitor through to moving day.
Can I take my mortgage with me?
Many mortgages are portable, which can mean keeping your current rate on your new home and avoiding early repayment charges. It isn't automatic though: the new property and loan still have to meet the lender's criteria, and if you're borrowing more, the extra is usually on a separate deal. I'll check whether porting genuinely stacks up for you, or whether a fresh mortgage would be better value overall.
Borrowing more or less
Moving is a natural point to review the size and shape of your mortgage. If you're moving up, I'll show you what's affordable and sensible, not just what's possible. If you're downsizing, we'll look at reducing the balance or the term, and what that does to your monthly payments. Either way, you'll see the true monthly cost, including any product fees, before you commit.
Protecting your move
A new home often means a bigger mortgage and new commitments. I'll help you review your life insurance, critical illness cover and income protection so the right level of cover moves with you, without paying for anything you don't need. Read more about mortgage protection.
Planning your next move?
Get in touch for a free, no-obligation chat about moving home and your mortgage options.