Moving Home
Port your current deal, borrow more, or start afresh: we compare the options and keep your mortgage on track with your sale and purchase.
Port or replace?
We compare moving your existing deal (and any early repayment charge it would avoid) with a new mortgage across the market.
Borrowing more
If you need more for the new home, we find the best way to structure it, whether with your lender or a new one.
Keeping the chain moving
We line up your agreement in principle early and stay in touch with agents and solicitors so the mortgage is never the hold-up.
How much will moving cost?
Add up stamp duty, legal fees, surveys, agents and removals to see how much cash you'll need on top of your deposit.
Buying and selling
Estimated costs, on top of your deposit
£23,139
- Stamp duty£12,500
- Legal fees (conveyancing)£2,500
- Survey£600
- Mortgage fees£999
- Removals£1,500
- Estate agent (incl. VAT)£5,040
Stamp duty is worked out for a home mover. See the full breakdown.
This is an illustration for general information only. It is not financial, tax or legal advice and does not take your personal circumstances into account. Fees vary between firms and properties, so get quotes before you commit. Starting figures are typical amounts, not quotes.
Moving to a new area? Check the council tax and local house prices.
Common questions
Can I take my mortgage with me when I move? +
Most mortgages are "portable", meaning you can apply to move your current deal to the new property and avoid an early repayment charge. The lender will reassess you and the new property, and any extra borrowing may be on a different rate. Porting is not always the cheapest option, so we compare it with a new mortgage.
When should I speak to a mortgage adviser? +
Ideally before you put your home on the market or make an offer. An agreement in principle shows estate agents you are a serious buyer, and knowing what you can borrow helps you set a realistic budget.
What if I need to buy before I sell? +
Options include bridging finance, a "let to buy" arrangement, or keeping your current home as a rental. Each has costs and risks, and buying before you sell usually means paying the higher rates of stamp duty, which may be refundable if you sell your old home within the time limit.
How long does moving home take? +
Typically three to four months from accepting an offer to completion, although chains can make it longer. Mortgage offers are usually valid for three to six months.
Thinking about moving?
We search the whole market, explain your options in plain English, and there is normally no fee for our mortgage advice.