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Mortgages for Home Movers

Found your dream home? We'll help you find the right mortgage.

Move house with confidence

Moving to a new house can be both exciting and stressful. It is a life-changing decision and we can help you get the mortgage right.

What options do you have as a home mover?

As a home mover,  you may have more choice of lenders and mortgage deals due to the fact that you may have a larger deposit from the equity in your current home. However, you should also consider that your circumstances may have changed since getting your current mortgage. Moving home often ties in with a life changing event, such as getting married or having a child which will inevitably affect your finances.

So what options do you have if you want to move house?

  • Porting. Most residential mortgages are portable, which means you can move your current mortgage over to your new property. If you need to increase the size of your loan, your lender will often require you to take out a separate mortgage that covers the difference in price. This is often beneficial if your existing mortgage has Early Repayment Charges (ERCs).
  • Find a new mortgage product. You may want to consider an entirely new mortgage with a new lender or, possibly, with your existing lender. If there are no early repayment charges and your existing rate is not competitive, this is a common option.
  • Let to Buy. This is a process that helps you purchase a new home while keeping possession of your current property and letting it out.

With so many providers and different options out there, finding the right mortgage can be a complicated and time-consuming process. That is why an experienced mortgage broker such as Fairview Financial can help you find a great mortgage deal by searching across the whole market, from thousands of different types of home mover mortgages. We can tailor your mortgage to suit your requirements and avoid any unnecessary costs.

Discover your mortgage options

Why choose us?

Whole of market broker

We will research thousands of deals and over 90 lenders to find you the right mortgage

Independent mortgage advice

Our advice is tailored to your circumstances and requirements, always serving your best interests

5 star reviews

We provide honest and unbiased advice and our clients' feedback is a true testimony of that

Local broker

Your dedicated broker will be your point of contact through the entire mortgage process

What costs to consider

Fairview Financial will carry out a comprehensive market research for you, before deciding whether to port your current deal or to find a new mortgage product. 

These are some of the costs you need to take into account:.

  • Early repayment charges -  the penalty for leaving the mortgage before it comes to an end, often calculated as a percentage of your loan value.
  • Valuation fees - the cost of hiring a surveyor to assess the property’s condition and value.
  • Arrangement fees - lender's administrative costs for organising your mortgage.
  • Legal fees - the cost of hiring a solicitor for carrying out the conveyancing process.
  • Booking fees - a one-off application fee charged by the lender, to reserve the capital while processing your request
  • Stamp duty -  Depending on the price of the property and its location, you may have to pay stamp duty on your purchase.

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Making the mortgage process easier 

Whether you decide to transfer your existing mortgage over to your new property, or you apply for an entirely new mortgage,  you will need to go through the application process. With Fairview Financial you will have a dedicated mortgage broker who will support you from start to finish. It can be a time consuming and complex process involving two mortgages but with our experience and expertise we will ensure the smoothest of journeys.

Fairview Financial works with specialist lenders and also has access to exclusive rates from mainstream lenders that you will otherwise not be able to access directly. This way we can assist in even the most complex of circumstances. You may have bad credit or you may be self-employed or a contractor, whatever your situation is our expert advisers are on hand to help you work out exactly which mortgage deal is likely to be right for you.

We have been helping many clients move home in Gloucestershire and the surrounding area and great customer satisfaction is at the heart of everything we do, as testified by the numerous outstanding reviews.


Moving house? Let's find you the right mortgage

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee  is £295 and this is paid when the mortgage is offered.  We do not charge a fee to First-Time Buyers. We may however charge a fee for Shared Ownership mortgages and Help-to-Buy mortgages, due to the complexity of the work involved.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

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