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, figuring out what you need to figure out 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.
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.
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 and stress-free.
Many mortgages are portable, meaning you can apply to transfer your existing mortgage to your new home. This can be a great option if you’re happy with your current mortgage rate and terms. We’ll help assess whether porting your mortgage is the best financial move, and work closely with your lender to make the process as seamless as possible.
If porting isn’t the right option, or if you’re looking to improve your interest rate, we can help you explore new mortgage deals. Whether you need to borrow more or adjust your repayment structure, our team will search the market for the most competitive rates tailored to your situation.
If your existing mortgage deal includes early repayment charges (ERCs), it’s important to factor them into your decision. We’ll help you calculate these costs and weigh them against the potential benefits of moving to a new mortgage or lender.
In some cases, you may need to sell your current home and purchase your new one simultaneously, which can be tricky. We can help you navigate bridging loans, temporary financing that covers the gap between buying your new home and selling your old one.
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.
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!
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, stress-free process. 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.
Get in touch with our friendly team of advisors and provide them with all the information they need so they can start finding the best moving home mortgage offers for you, specific to your needs.
Our expert mortgage advisors will use the entire mortgage market to find you a selection of the best deals and give you a call to discuss the best moving home mortgage offers they have.
Once you’ve chosen the best mortgage deal for you, our advisors will be with you through each step of the way, until you’ve successfully moved home!
If we say you qualify for a mortgage, then we will stand by that decision and provide you with a 100% mortgage guarantee to you that you can get the funding you require. If we don’t, we will refund any associated cost you have incurred.
Our advice to you is backed by our unique unconditional service guarantee which means if you are not happy with the service that we provide, just tell us why and we will immediately refund any fees that you have paid us.
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.
We will complete all research, administration and chasing on your behalf so you don’t have to worry about a thing! So leave it with us and your new mortgage offer will be with you quicker than you know it!
Are you looking to purchase a new build property? We work with hundreds of mortgage lenders to ensure the right new build mortgage product, whatever your circumstance.
Whether you are self-employed or freelance, we can help you find the right lender willing to provide you with the finance you need to purchase a property.
Have you had problems with credit, such as missed or late payments? Our experienced team has access to a variety of specialist lenders who focus on offering mortgages designed to help you.
If you want a mortgage that offers some flexibility our team of expert mortgage advisers can make recommendations on your individual circumstances.
If you’re buying a property from abroad, we can help you with specialist expat mortgages which you may need to ensure the process is handled correctly on your behalf
With large sum lending seen as too big of a risk for many lenders, you may need to turn to specialist mortgage lending for your mortgage loan. We have access to these funds to find you the right lender and product for your needs.
If you’re planning to move home, our team of expert mortgage advisers are here to assist you every step of the way. From your initial enquiry to moving day, we’ll be by your side to make tailored mortgage recommendations based on your individual circumstances. Our goal is to offer mortgage options for moving house that are best suited to your needs, ensuring a smooth and straightforward move.
Simply give us a call on 0800 138 5856 or get in touch using the form at the bottom of the page, and let us help you secure the right mortgage for your new home.
At Key Solutions, we are committed to providing a seamless service, backed by our unique guarantees. When you work with us, you can proceed with absolute confidence, knowing you’ll receive the very best mortgage advice and support every step of the way.
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.
