buying & moving home
Moving home, without the headache.
You’ve done it once already — so why does moving up, down or across the country feel even more complicated? Because this time you’re selling and buying at once, with a chain to manage and an existing mortgage to sort. We line up the right deal for your move and hold your hand through the bits that wobble.
Award-winning
Paula Bingham
Director & Senior Mortgage & Protection Adviser
“We’ll keep the mortgage side moving — you focus on the boxes.”
Your home may be repossessed if you do not keep up repayments on your mortgage.
take a breath
It’s a lot to hold in your head. So don’t.
A chain to manage, two solicitors talking to each other, an existing mortgage to deal with, and a moving date everyone has to agree on. It’s a lot — while you’re also keeping your job, your kids and your sanity on track. That’s exactly the bit we take off your plate.
No wonder it can feel slow — government figures put the average time from instruction to completion at over five months.1 With the average UK home at £270,000 in the year to April 2026,2 it’s a long time to have that much riding on everyone else’s paperwork. Having one person chase the mortgage side for you is how it stays on track.
You won’t be passed around a call centre. You’ll have one named adviser who knows your case, your timeline and what matters to you — and who flags anything that threatens the move before it becomes a problem.
- 1 Average time from instruction to completion: gov.uk, October 2025.
- 2 Average UK house price, year to April 2026: ONS & HM Land Registry UK House Price Index, June 2026 (provisional).
you’re in safe hands
A small, genuinely human firm — where a named adviser actually answers.
We’ve helped hundreds of movers across the UK onto the next chapter.
309+
five-star reviews from movers we’ve helped onto the next chapter
Award-winning
advice — including a win at the Personal Finance Awards
Named
advisers who know your case and pick up the phone
100+ lenders
searched on your behalf — not just one bank’s shelf
We can’t promise any particular outcome — no honest broker can, and your circumstances and the lender’s criteria always have the final say. What we can promise is that we’ll be straight with you, do the legwork, and explain every option clearly.
more moving parts
How moving home is different from your first purchase.
First time round you had one job: get a mortgage and buy. (Still on that first step? Start with our first-time buyer page.) Moving stacks more on top — none of it a problem, just more parts to keep moving in the same direction.
You’re a seller and a buyer at once
Your sale funds your purchase, so the two have to dovetail. If one slips, the other usually slips with it — and that takes coordinating.
You may have equity to put to work
The value your home has built up can go towards a bigger deposit, lower borrowing, or improvements to your next place — which changes the mortgage that suits you.
You might still be tied into a deal
Inside a fixed term, leaving early can trigger an early repayment charge. Sometimes it’s worth paying; sometimes there’s a smarter route. We work out which.
There’s almost always a chain
Other people’s timelines now affect yours, and a move-in date has to suit everyone at once. Normal — but it needs keeping on track.
You can often borrow more
Many people borrow more to move up the ladder. How much depends on your income, the property and the lender — best confirmed before you make offers.
in short
The job is keeping every moving part pulling the same way — that’s what we’re for.
in plain english
Porting your mortgage vs taking a new deal.
Can you take your mortgage with you? Yes — most UK mortgages are portable, but porting is a full re-application: the lender reassesses you and the new property before agreeing to move the deal across.
So one of the first questions when you move is what happens to your existing mortgage. Broadly, there are two routes — and we’ll do the comparison for you.
Porting your existing mortgage
Most mortgages are “portable”, so you may be able to take your current rate with you to the new property. Partway through a competitive fixed deal? Porting can be appealing — it can help you avoid an early repayment charge and keep terms you’re happy with.
It isn’t automatic, though. Porting is really a fresh application against the new home, so the lender reassesses your circumstances. If you’re borrowing more, the extra is usually on a separate product at the rates available at the time — and it has to fit the timing of your sale and purchase.
Taking a new deal
Sometimes starting fresh — either with your current lender or a different one — works out better, even after any early repayment charge. The market moves, your circumstances change, and the right product for your last home may not be the right one for your next.
There’s no single answer that’s right for everyone. The right route depends on your rate, your timing, how much you’re borrowing and your wider plans — and that’s exactly the comparison we’ll run with you before you commit to anything. (Switching deals without moving house at all? That’s remortgaging — we do that too.)
Wondering how the numbers might stack up on your next move? Have a play with our quick calculators.
the part that keeps you up
Timing, chains and keeping everyone moving.
The reassuring bit: chains are normal, and they’re managed all the time. A few simple things keep yours on track.
Get agreed in principle early
Knowing what you can borrow before you make offers makes you a stronger buyer and removes one big unknown from the chain.
Mind the offer’s shelf life
Mortgage offers are usually valid for around six months, and long chains can run up against that. We keep an eye on it so it doesn’t catch you out.
Talk to people, often
Most delays come down to one party waiting on another. Quick answers from you, your solicitor and your lender keep things flowing.
You don’t have to coordinate all of this on your own. Keeping the mortgage side moving — and flagging anything that threatens the timeline — is part of what we do.
step by step
How we coordinate your move.
From the first conversation to completion day, here’s roughly how it goes — with a named adviser who knows your case throughout.
- 1
A proper conversation first
We get to know your situation — your current mortgage, your timeline, what your next home needs to do, and any worries on your mind.
- 2
Port-vs-switch comparison
We weigh up keeping your current deal against switching, including any early repayment charge, so you see the real cost of each route.
- 3
Agreement in Principle
We get your borrowing confirmed in principle so you can make offers with confidence and one big unknown leaves the chain.
- 4
Search and recommend
We look across over 100 lenders and thousands of deals, and recommend the one that genuinely fits your move — not just the easiest to arrange.
- 5
Apply, chase, update
We submit your application, follow up with lenders, agents and solicitors, and keep you updated rather than leaving you guessing.
- 6
Check your protection
A move is a good moment to make sure your life and income cover still match your new mortgage. No pressure — just a sensible check. More about protection.
Not a call centre, not a chatbot — a real person who picks up the phone. (Any protection cover depends on the policy terms and your circumstances — we’ll talk you through it.)
common questions
Answered, honestly.
Can I take my current mortgage with me when I move?
Often, yes — most mortgages are portable, which means you may be able to move your existing deal to your new home. It isn’t guaranteed, though: the lender will reassess your circumstances and the new property, and if you’re borrowing more, the extra usually goes on a separate product. We’ll check whether porting is possible and whether it’s actually your best option.
Will I have to pay an early repayment charge if I move?
It depends on your current deal. If you’re inside a fixed or discounted period, leaving early can trigger an early repayment charge — but porting your mortgage can sometimes avoid it, and occasionally it’s still worth switching even after paying it. We’ll work out the numbers for your specific situation so you can decide with the full picture.
How do I time selling my current home and buying the next one?
The aim is usually to complete on both on the same day so you move once. In practice that takes coordination between your sale, your purchase, the chain and your mortgage offer. Getting agreed in principle early and keeping communication tight makes a big difference, and we help keep the mortgage side aligned with everything else.
Can I borrow more when I move home?
Often yes — many people borrow more to move up the ladder, and any equity in your current home can go towards your deposit. How much you can borrow depends on your income, outgoings, the property and the lender’s criteria, so it’s best confirmed with an Agreement in Principle before you start making offers. We can run those numbers with you.
What if my mortgage offer expires before the chain completes?
Mortgage offers are valid for a set period, and long chains can occasionally bump up against that deadline. If it looks tight, there are usually options — including requesting an extension or revisiting the application. We keep an eye on your offer’s validity so it doesn’t become a last-minute scramble.
ready to move?
Wherever you are with your move, we’ll take it from there.
Whether you’ve just started thinking about it or you’ve already had an offer accepted — tell us where you are. No obligation, no pressure.