Home movers.
Find a home that better fits your needs
create a space where your next chapter begins
Buying a new home while moving from an old one marks the beginning of a fresh start and an exciting chapter. It’s often a coordination of timing the sale of your current property with the purchase of the new one, ensuring financial arrangements are in place, and navigating through the maze of paperwork and legalities.
A “home mover” mortgage is for those who already own a property and are looking to move to another. There are plenty of decisions to make, including whether to port your current mortgage to your new home and borrow more, or whether you should remortgage to a new lender. It might sound like a lot to think about, but when you’ve got a team like ours doing the hard work, it becomes a breeze.
We can provide guidance and advice on the most suitable options available based on your unique circumstances, ensuring a smooth transition from one home to another.
expert advice
this is how we provide solutions to your problems
Our expertise lies in understanding your unique needs and providing tailored advice to help you navigate the often-complex world of mortgage options. We simplify the choices by comparing rates, terms and features from various lenders, ensuring you make informed decisions.
But it’s more than just securing a mortgage; it’s about equipping you with the knowledge and assurance to make smart, well-informed decisions for your future home.
Searching the whole of market
We are whole of market mortgage advisers, so we can search across the market to find the right deal and outline all the options available to you. Alongside this, you will also get an adviser (a real human) who will outline the process and answer any questions you may have.
Experience like no other
We’re experienced, qualified and brilliant at what we do, so you can have the confidence and reassurance that you are making the right decision and that your best interests are always at the heart of our work. Having done this for many years, we consider all costs involved in a mortgage, not just the interest rate.
Saving you time and stress
Believe us when we say that we will take care of everything from start to finish, saving you a significant amount of time. Not only does this allow you to think about how to decorate your home and pack up your belongings, but it also removes a large amount of stress as you know there is a team looking after you in the background.
frequently asked questions when moving home
What does porting my mortgage mean?
You may be able to transfer, or “port” your existing mortgage to a new home. This can be a smart move, especially if you’re currently benefiting from a low interest rate deal.
One of the main benefits of porting your mortgage is the potential to keep your existing low interest rate, which can save you from the fees associated with taking out a new loan. However, not all mortgages are portable, so it’s crucial to check the details of your mortgage agreement.
When should I speak to my mortgage adviser when moving home?
It’s best to speak to your mortgage adviser as early as possible in the home-moving process. We will help you understand your budget, explore mortgage options, and secure an agreement in principle, giving you a clearer picture of what you can afford. This makes the buying process smoother and puts you in a stronger position when making an offer.
What should I think about when looking to move home?
When moving home, it’s important to consider the long-term effects, such as school locations for your children and what you’ll need from your home over the next decade. Planning ahead can help you avoid the hassle and cost of moving again in just a few years, saving you money on estate agent fees and stamp duty.
How can I borrow more money?
If you’re moving to a more expensive property, you might need to borrow additional funds, and potentially pay higher mortgage payments. The additional amount you can borrow will depend on a few factors, such as your credit score. Here are two options:
- Port your mortgage and take out an additional loan: If your mortgage is portable, you can transfer it and apply for a top-up loan.
- Pay off your existing mortgage and get a new one: This may be suitable if you’re looking for a better deal or if your current deal isn’t portable.
Can I use equity in my home as the deposit for my next home?
Using the equity in your home as a deposit for your next property is a common strategy. This involves selling your current home and using the profit as a down payment for the new property, which can influence your mortgage options.
Should I review my life insurance when I move home?
Moving home is a great time to review your life insurance. A new mortgage often means a change in your financial commitments, so it’s important to ensure your cover still meets your needs. Reviewing your policy can help protect your family and ensure your home is secure if anything happens to you.
Don’t just take our word for it.
Being first-time buyers, navigating through the world of mortgages felt daunting; however, after our initial chat with Joe, we were immediately put at ease, and it was clear we were in good hands. Joe worked tirelessly to ensure we got the outcome that suited our needs.
We chose Kind Wealth to assist us when looking for a mortgage, as they already advised us with our finances. The real value was in the weeks running up to exchange when our solicitor and mortgage adviser worked together to get responses from the lender in timescales that would have been challenging otherwise.
The service provided was brilliant and even when I needed advice urgently, Joe and Sarah dealt with this in an exceptional way. If you’re a first-time buyer looking for advice about life insurance or a fixed-rate mortgage, then I’d recommend Kind Wealth.
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Ready to take the next step?
We love meeting new people and learning about you. If you are interested in finding out more, please schedule an introductory meeting with us by clicking on the button below. We do not charge for an introductory meeting, and we can both use this meeting to assess whether we are the right fit for one another.
Please note:
Some Buy-to-let mortgages are not regulated by the Financial Conduct Authority.
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