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Home mover

Let us find you the perfect mortgage whether you plan to sell or keep your existing home

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Switch mortgages hassle free

How do you get a mortgage to move properties if you’ve already got a mortgage on your existing home?

Navigating the process of home mover mortgages, from porting your existing mortgage to finding remortgage deals, is complex. Our home mover mortgage service is here to make sure you understand the process you need to follow to complete your plans and buy the property you’ve got your eye on.

More than that, we’ll complete the paperwork for you, too. You just need to fill out a short enquiry form so we can do the research on your behalf – and we’ll find the best mortgage deal to suit you.

You can upload your required documents at your convenience using our online tool at any time, too. We make getting your next mortgage as seamless as possible!

What if you want to buy a second property?

Perhaps you want to buy a second home or a buy-to-let property instead of moving from your existing home. The mortgage deals available for these types of purchases differ from those you’d use if you were moving main residence.

We know the specialist second home and buy-to-let mortgage lenders inside-out – meaning you’re guaranteed to get the best deal available for your next mortgage!

How much can I borrow?

How much will my mortgage cost?

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Whole of market

We offer independent mortgage advice across the whole market – not just what you can find on the high street.

  • Access to over 130 lenders
  • Choice of over 20,000 deals

All this means we’ll always guarantee to find you the best home mover mortgage deal available.

Always available

We work around your busy life to make getting a mortgage as easy as possible.

  • Contact us in the way you prefer: phone, email, Zoom, Whatsapp, or face-to-face.

You don’t need to faff with the Post Office queue either:

  • Upload all your documents using our 24/7 online upload tool.

We do the hard work

Without a broker, you’ll miss out on exclusive deals you can’t find on the high street.

We’re experts on lender criteria:

  • We’ll research and recommend only the most suitable options for you.
  • We’ll also complete all the paperwork for you, to make sure your mortgage application is successful.

Why choose us

Why choose us

Your moving home mortgage options

Buy your next home

When it’s time to move home, knowing how to handle your mortgage situation is often confusing. Do you port it to your new property, or will you repay it from the sale proceeds and take a new mortgage on the new home?

Our home mover mortgage advice service lays out the options available to you to make sure you’re applying for the right type of deal. We’ll then find the best deal for your circumstances – and complete all the paperwork on your behalf.

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Let to Buy

Buy-to-let mortgages have different requirements compared to standard mortgages. The loan-to-value ratio, for example, is often lower than a mortgage for your main residence, and lenders will have terms regarding holiday lets or landlord insurance.

We’ll make sure you’re in a good position to apply for a buy-to-let mortgage and then complete the paperwork for you to maximise your chances of acceptance.

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Buy a second home

Whether you’re buying your second property as a country residence or for a close relative to live in, your circumstances determine the type of mortgage you can choose.

We’ll work with you to understand your plans for a second property, and make sure you’re getting the best deal based on how the property will be used, too.

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Independent mortgage brokers serving the entire UK

We don’t think you should waste time filling out forms that aren’t relevant to your mortgage needs.

That’s why we like to speak to you first and build a personal relationship, so you can remain assured you’re getting the best service.

Get personalised mortgage advice today

0208 323 8989

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    All about home mover mortgages

    An important question to ask, not so simple to answer. It will depend on your income, outgoings, credit history, age, dependants, the property you’d like to buy and other factors.

    There is no single rule that lenders follow when assessing your first-time buyer mortgage application. In fact, lenders tend to offer different mortgage amounts even when you present them with the same information.

    For this reason, a mortgage broker can help you find out exactly how much you could borrow. We have the tools to check your maximum borrowing for Help to Buy, Shared Ownership or even just a “normal” purchase without using any scheme.

    If you have been happy with your current lender, it may seem like the logical choice to stick to them.

    However, as lending criteria and interest rates change regularly, as well as your circumstances, you may find that your current lender’s offer isn’t the best deal for your new home.

    Besides, both your current lender and any new ones will assess your application as a new customer, so sticking to the existing one won’t get you an easier pass.

    For this reason, as a whole of market mortgage broker, we are well placed to check your lender options and get you the most suitable home mover mortgage deal based on your current circumstances and requirements.

    When you move house, you may only be halfway through your current mortgage deal. This normally means that you would have to pay an early repayment charge (ERC), i.e. a penalty, if you were to pay off your mortgage in full when selling your current property.

    As an alternative, your current lender may let you take the mortgage to the new property. The official term for this is porting your mortgage.

    For example, you sell for £200k and your mortgage balance is £100k with an interest rate of 1.5%.

    You then buy a property for £300k and would need a £200k mortgage.

    Assuming that your current lender is happy with your situation (e.g. income, outgoings and credit history) and the new property, they may agree to

    • Take your current £100k mortgage with the 1.5% interest rate to the new property AND
    • Give you another £100k mortgage at an interest rate available at the time of your move. This will likely be different from the interest rate you already have.

    Watch out, though, as your existing mortgage deal and the new “top-up” mortgage deal will likely end on different dates. You can then

    • either remortgage each part separately to a new rate when it expires OR
    • bite the bullet and remortgage both parts at the same time, which will mean paying an early repayment charge on one of the parts.

    As brokers, we can look at all options for you, provide comparisons and arrange the agreed home mover mortgage.

    When budgeting, you may want to consider the costs along the following lines, although not all of them may be applicable in your case.

    Sale of your current property
    • Selling agent fee
    • Lender costs: account closing fee, early repayment charge
    • Solicitor fee
    Purchase of the new property
    • Lender fees (for example, application fee, arrangement fee, valuation fee, solicitor fee, money transfer fee)
    • Broker fee
    • Solicitor fees (including fee for the legal work, admin fees, money transfer fee)
    • Land Registry fee in England, Northern Ireland and Wales or Land Register fee in Scotland
    • Stamp Duty Land Tax (SDLT) in England and Northern Ireland, Lands and Buildings Transaction Tax (LBTT) in Scotland or Land Transaction Tax in Wales
    • Other costs including search fees and insurance premium

    Although slightly different rules apply in England, Northern Ireland, Wales and Scotland, if you don’t sell your home before or at the same time as buying a new main residence, you will have to pay 3% more SDLT / LBTT/LTT. You’ll find further information and handy tools on our Stamp Duty calculator page.

    You may not sell your current home, but decide to keep it and rent it out.

    If you have a mortgage on it, you can choose from two options:

    • Ask your current lender for a consent to let (CTL) OR
    • Apply for a new buy-to-let mortgage to replace your current residential mortgage

    If you opt for the first one, there will likely be an admin fee and your rate may increase. Lenders normally give consent to let for 1 year, which you may be able to extend.

    If, on the other hand, you opt for a new buy-to-let mortgage, then you will likely have lender costs for both the remortgage and the new purchase. These could include arrangement fee (i.e. product fee), valuation fee, money transfer fee and you may also have to pay for solicitors.

    Don’t forget to ask letting agents how much rent you could get and how much they charge for their letting services.

    Although slightly different rules apply in England, Northern Ireland, Wales and Scotland, if you don’t sell your home before or at the same time as buying a new main residence, you will have to pay 3% more SDLT / LBTT/LTT. You’ll find further information and handy tools on our Stamp Duty calculator page.

    You may want to buy a second property, where you or a family member would stay.

    This could be for you to stay closer to work during the week and save on commuting. Or it may be for your parents or your children to live in when they can’t buy a property by themselves.

    Lenders are quite happy to give you a mortgage for a second home if you can afford it, and there are some clever solutions as well. For example, you could be on the mortgage with your child, but only they would become the legal owner.

    However, some lenders often set a maximum 70-80% mortgage on a second home. In other words, if you are thinking of putting down only 10% deposit, we will have a limited number of lenders to choose from.

    To make sure that you get the best deal, let us search the whole of the market for you, taking into account your circumstances as well as your deposit before arranging your home mover mortgage.

    You can currently buy a new home with the Help to Buy scheme, even if you are not a first-time buyer. However, you can’t own any other property when the purchase completes.

    In other words, if you are selling your current home, its sale has to complete latest on the same day as your purchase and you can’t keep it for letting it out.

    Based on the current government plans, only first-time buyers will be able to use the Help to Buy scheme from 01 April 2021.

    You can buy a new home with the Shared Ownership scheme, even if you are not a first-time buyer. However, you can’t own any other property when the purchase completes.

    In other words, if you are selling your current home, its sale has to complete latest on the same day as your purchase and you can’t keep it for letting it out.

    Building insurance

    If you buy a house, then building insurance will be mandatory to ensure that in case the structure is damaged (e.g. by fire, flood or movement), the insurance will cover at least the mortgage amount.

    Nothing else is compulsory, but of course, it makes sense to cover costly unexpected events.

    Contents insurance

    Contents insurance can pay for replacing your personal belongings if someone burgles your home, there is fire, you accidentally drop your new flat screen TV…and the list goes on.

    Landlord insurance

    If you’re planning to rent out your old home then you should consider getting landlord insurance. Landlord insurance protects you as a landlord from risks associated with your rental property. It usually includes buildings and contents insurance, but can also include rental-property specific covers such as protection against loss of rent, and tenant default. It can also cover legal fees and compensation for damage or injury to the tenant due to the property.

    Life insurance

    Life insurance is a one-off payment if you were to die during the mortgage term, so the insurance can settle your mortgage. This would allow your family to stay in the property without worrying about mortgage payments at an already stressful time.

    Critical illness cover

    Critical illness cover would give you a lump-sum if you had a serious illness like cancer, heart attack or stroke as well as dozens of other conditions. This payment may or may not settle the mortgage, but it can help pay for treatment, let you take time off work while recovering or alter your home, if necessary.

    Income protection

    Income protection is designed to give you a monthly income for some time in case you can’t work due to an accident or a long term illness. This covers mental health issues as well.

    Of course, all the insurances come with terms and conditions, optional features and your medical history can influence your options.

    To find the right insurance cover that fits within your budget, speak to our team today. We can compare the whole market, find the most suitable cover and apply on your behalf free of charge.

    Mortgage tools

    Clients reviews

    Mortgage calculators

    From working out how much you can afford to borrow to understanding how offset mortgages work, our calculators can help.

    Discover how much you could save by overpaying on your mortgage, or what monthly rent you’ll need to charge to cover a buy to let mortgage repayment, with our handy mortgage calculators.

    Mortgage calculators

    Mortgage finder

    Only looking at high street offers restricts how much you could borrow (and often means a more expensive mortgage, too).

    We have whole of market access to mortgage deals with over 130 lenders. That’s over 20,000 mortgage deals to choose from!

    Take a look with our mortgage finder tool to see some of the mortgage deals you could qualify for if you use our independent mortgage broker service.

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    Lilla, has been absolutely amazing.
    From start to finish, she always kept use informed on how the mortgage application was going.
    We had a few issues with the application due to my...
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    terri burgh

    I worked with Agnes and Lilla very closely to secure a mortgage offer for my very complicated case.

    While so many other morgage brokers and big offices turned me down, BlueWing...
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    Lilla Kaputa

    My mortgage advisor was Agnes Siry and she was absolutely brilliant from the very beginning up until the very end. She was always at the other end of the phone... read more

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    Petra Zsoldos

    Such a good thing to have a peace of mind that my mortgage is really the best available one on the market and all the legal bits are in place.... read more

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    Tünde Kátai

    Really enjoyed working with Saanja and the team. They went above and beyond to help us and were creative with their solutions. I truly believe we could not have got... read more

    Sarah Fraser Avatar
    Sarah Fraser

    Agnes was our guardian angel throughout our very first house purchase. It's a process that is full of questions, uncertainty and doubt and (at least for first time buyers) and... read more

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    Kristof Kiraly

    Saanya was amazing from start to finish and got our mortgage through really quickly. She was extremely helpful with brilliant advice to help us purchase our flat, Ours was tricky... read more

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    HKN B

    Excellent service. Lilla was always available and went above and beyond to support with any question or query. Could not recommend highly enough.

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    Laura Flynn

    Worked with Lilla, it was really good working together, we have received all the service we needed - Thank you

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    Artyom Hudolij

    Lilla assisted me with a contractor mortgage and she was absolutely wonderful... she is extremely patient and knowledgeable. I had a LOT of questions and there were some personal circumstances... read more

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    Daniel Irvine

    I highly recommend Lilla, Alexandra and the rest of the team. Out of all of the brokers I made enquiries to Lilla was the most thorough in the questions she... read more

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    Anne N

    Couldn't recommend Lilla and the team highly enough. Very friendly and thoroughly professional throughout our (occasionally!) stressful journey to secure a mortgage in these crazy times. Answered all of our... read more

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    Adam Stiley

    I went through a number of less-than-helpful mortgage advisors before Lilla was recommended to me by a friend.
    From the start the service provided was outstanding. Both Lilla and Alex were...
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    Ben Hodder

    If it would be possible then I would give 10 stars out of the 5.
    Lilla Dilliway is the best mortgage broker ever, very experienced, always available and has all the...
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    Gabor Debreczeni-Kis

    I would highly recommend the services of BlueWing Financials and would especially like to thank Lilla and Alexandra, our case handles.

    I was in the process of purchasing my first...
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    Ágnes Jakubisz

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    Whole of market independent mortgage advice

    Here are some of the big – and small – mortgage lenders, and specialist mortgage providers, we work with to find you the best personalised deal.

    Get in touch

    Work with us how you choose: email, phone, Zoom, Whatsapp, or face-to-face meetings. It’s up to you!

    Your personal mortgage broker will explain clearly the mortgage process and from a few questions about yourself, advise you on your options.

    Let us apply for you

    Your personal broker will structure your application the right way that guarantees you the best home mover mortgage deal.

    One simple questionnaire is all it takes for us to complete your paperwork for you.

    Get the mortgage

    Your advisor handles the entire application process. Liaising with your lender, solicitor and estate agent to make sure your mortgage application progresses smoothly.

    All you need to do is accept the mortgage offer and celebrate!

    Your 3 steps to a mortgage

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