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Whether you are looking to relocate, move up the property ladder or downsize your property, moving home and finding the right mortgage can seem a daunting and stressful prospect. Similarly, if you have an existing mortgage and want to move properties, working out your options can be a task in itself.
At Key Solutions we’ve been helping individuals obtain mortgages for over 25 years and therefore know the market inside and out. Our team of expert mortgage and protection advisers are always on hand to find the right mortgage solution for you, with no broker fee to pay along the way.
Check out the different types of moving home mortgages and options below.
If you would like to quickly understand how much you could borrow for your home moving mortgage, complete our mortgage calculator.
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Once you’re chosen the best mortgage deal for you, our advisors will be with you every step of the way, until you’ve successfully moved home.
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About your circumstances and what you’re looking to do
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The whole market and recommend the right mortgage and protection for you, free of charge
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No fee, no pressure, no obligation to proceed
Moving to a new home is an exciting milestone, but it can also come with questions, especially if you already have a mortgage on your current property. Whether you’re relocating to accommodate a growing family, seeking a change of scenery, or downsizing, the financial aspect of moving can feel complex. That’s where our expert mortgage brokers come in.
At Key Solutions, we understand that managing your mortgage while transitioning to a new home can be overwhelming. From navigating the options available to you—such as porting your existing mortgage or securing a new one—to ensuring your move is as cost-effective as possible, we’re here to make the process simple, straightforward, and free from any broker fee.
Many mortgages are portable, so if you’re happy with your current rate and terms, we can help transfer it to your new home and manage the process with your lender.
If porting isn’t right for you, we’ll search the market for a better rate or a repayment structure that suits your new circumstances.
If your current deal includes early repayment charges, we’ll help you weigh these against the benefits of switching, so you know exactly where you stand.
Need to buy before you sell? We can help you arrange a bridging loan to cover the gap between the two.
When you’re moving home, one of the biggest considerations is securing the right mortgage for your new property. Whether you’re upsizing, downsizing, or relocating to a different area, finding the best mortgage deal can have a huge impact on your finances. At Key Solutions, we specialise in helping home movers find tailored mortgage solutions that fit their needs and goals. Plus, as a trusted whole of market broker we have access to nearly every mortgage product on the market as well as access to exclusive rates you won’t get by going direct to a bank, all without charging a broker fee.
Every move is different, and so is every mortgage application. Whether you’re self-employed, have complex income streams, or are purchasing a second home, we offer tailored advice to match your situation. We can help with everything from large loans to buy-to-let properties and even offer advice for those with poor credit.
Every move is different, and so is every mortgage application. Whether you’re self-employed, have complex income streams, or are purchasing a second home, we offer tailored advice to match your situation. We can help with everything from large loans to buy-to-let properties and even offer advice for those with poor credit.
Our calculator is designed to make things easier for you, giving you a quick guide on how much you can borrow for any residential mortgage.
All you need to do is fill in your information and your mortgage affordability will be displayed to you in a matter of seconds.
With access to nearly every mortgage lender in the market, our specialist mortgage brokers are on hand to advise you of your personal mortgage affordability, based on your income and outgoings – just give us a call once you’ve completed the form, free of charge and with no broker fee.
When you’re moving home, securing an Agreement in Principle (AIP) is a key step in the mortgage process. An AIP is a statement from a lender that indicates how much they’re willing to lend you based on your financial situation. It’s not a guarantee, but it provides a strong indication of what you can afford and can help speed up your home-buying process.
With Key Solutions, securing an AIP is a straightforward process, and it’s completely free to arrange with our advisers, for new clients. Whether you’re moving to a bigger home or downsizing, we’ll provide expert advice and guide you through every step, so you can move forward with confidence.
Yes, you can move home even if you have a mortgage on your current property. You may have the option to port your existing mortgage, which means transferring it to the new property. If porting isn’t available or suitable, you might need to apply for a new mortgage. Our team can help assess the best option for your situation.
In many cases, yes. If you’ve received a mortgage offer for one property but decide to buy another, it’s possible to move the mortgage offer to the new property, as long as the lender agrees. However, the new property will need to meet the lender’s criteria, and they may need to reassess your financial circumstances.
To determine how much you can afford, you’ll need to assess your overall financial situation, including income, existing debts, savings, and your current mortgage balance. Lenders will typically look at your affordability based on these factors. Speaking with a mortgage advisor can give you a clearer picture of what’s realistic for your next move, and they can help you obtain an Agreement in Principle (AIP) to outline how much you might be able to borrow.
When moving with a mortgage, you have a few options. You can either transfer (port) your current mortgage to the new property, or apply for a new mortgage. If you’re upsizing, you may need to borrow more, while downsizing could result in a smaller mortgage. Throughout the process, your lender will assess the new property and your financial circumstances to determine your mortgage eligibility.
Typically, you’ll begin paying your mortgage from the date of completion (when you officially own the property), which is usually before you move in. Your lender will confirm your first payment date, which is often about a month after completion, depending on your agreement.
If you move with an existing mortgage, you can either transfer (port) your mortgage to your new home or pay off your existing mortgage and apply for a new one. You’ll need to coordinate the sale of your current home and the purchase of your new one, potentially using a bridging loan if there’s a gap between transactions.
Yes, in many cases you can transfer, or port, your mortgage to a new property. However, this depends on the lender’s approval and the new property meeting their criteria. You may also need to borrow more or less, depending on the value of the new property, and your lender may reassess your financial situation.
If you have a fixed-rate mortgage and move house, you may be able to port your mortgage to the new property. This allows you to keep the same interest rate and terms. However, if you choose to take out a new mortgage, you may face early repayment charges (ERCs) for breaking the fixed-rate agreement. It’s important to weigh the costs and benefits of porting versus securing a new deal.
