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Home Movers and Remortgagers: Make Your Next Move the Right One

Whether you are moving up, downsizing or simply coming to the end of a fixed rate, the decisions you make now can affect your payments for years. We help you see every option clearly.

The Decisions You Face

More Choices Than Most People Realise

If you already have a mortgage, the obvious route is to stay with your lender. Sometimes that is the right answer. But it is only one option, and without comparing it to the wider market, you cannot know whether it is the best one.

Home movers usually need to decide whether to port their existing mortgage, borrow more, or redeem it and start again with a new lender, taking any early repayment charge into account. Remortgagers need to choose between their lender’s product transfer and a full remortgage elsewhere. Both groups often have other goals too: releasing equity for an extension, shortening the term, or moving from interest only to repayment.

How We Help

Seeing the Full Cost, Not Just the Rate

Comparing every route

We set out porting, product transfers and new lenders side by side, including fees, early repayment charges and the total cost over the deal.

Planning ahead

Most lenders let you secure a new deal up to six months before your current one ends. We will contact you well before your deal expires so you never drift onto a standard variable rate.

Borrowing more

Whether it is a bigger home, a home improvement or helping a family member, we find lenders who will support your plans and assess affordability fairly.

Bridging the gap

If you need to buy before you sell, we can talk through short-term options such as bridging finance.

When Your Circumstances Have Changed

New Job, New Business, New Chapter

Life changes between mortgages. You may have become self-employed, set up a limited company, reduced your hours or be approaching retirement. These changes can narrow your options with your current lender while opening doors elsewhere.

With our accountancy background, we are well placed to understand more complex income and find lenders who will assess it fairly. And if staying with your current lender is the safer choice, we will tell you.

FAQs

Frequently Asked Questions

Can I take my mortgage with me when I move?

Often, yes, but porting is not guaranteed. Your lender will reassess you, and any extra borrowing may be on different terms.

When should I review my mortgage?

Ideally three to six months before your current deal ends.

Landlords and Portfolio Investors

Whether you own one rental property or twenty, we arrange buy to let mortgages in personal names and through limited companies, plus portfolio refinancing and bridging for auction or refurbishment purchases.

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Self-Employed and Contractors

Sole traders, partners, company directors, CIS workers and day-rate contractors often find high street lenders difficult. We know which lenders assess your income fairly, and with our accountancy background we can present it properly.

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Business Owners

From equipment and vehicle finance to commercial property purchases and short-term bridging, we help businesses raise the funding they need to grow, with lenders who understand their sector.

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How it works

Working With Us Remotely

We work with clients in every corner of the UK, and almost all of our work is carried out online.

Free initial consultation

A short call or video meeting to understand what you want to achieve and what your finances look like.

Online meetings

Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].

Secure document upload

Send payslips, bank statements and accounts through our encrypted portal the moment you have them.

Electronic ID verification

Confirm your identity online in minutes.

E-signatures

Sign your paperwork digitally, from your phone if you like.