Moving Home Mortgages

Family unpacking in their new home

Whether your current property is lacking space, or rather you want to downsize, we are here to help you secure a moving home mortgage from 95% LTV.

What are my mortgage options when moving home?

When moving to a new home, there are two main choices related to your mortgage: either you can “port” your existing mortgage to the new property, or you can obtain a new mortgage designed for home movers.

  • Porting your mortgage

Porting your mortgage involves moving your current mortgage to your new property. This is a good option if you have a competitive mortgage with low interest rates and wish to avoid specific fees. However, you'll still need to follow the standard approval process, and not all mortgages are eligible for porting.

  • Home mover mortgage

If you cannot transfer your mortgage, you will need to settle your existing mortgage with the proceeds from selling your old home and then get a new mortgage for your new home. During this process, your lender will conduct a credit check to ensure you can comfortably manage the expected repayments. With a home mover mortgage, you may encounter arrangement fees and potentially face early repayment charges if you're still within an introductory period.

Mortgage broker showing a couple some documents

Moving House Mortgage Calculator

Before coming to a mortgage decision, it’s best to get an idea of where you stand financially. You can use our calculator to estimate your potential loan amount and monthly repayments.

Don't hesitate to reach out to our expert mortgage brokers anytime at 01915809890. We're here to dive deeper into your moving house mortgage options and assist you in securing an Agreement in Principle alongside home insurance for your new house.

We could help you borrow up to: £350,000 Please note this does not guarantee eligibility for a mortgage and will still be subject to suitability and your credit profile. To ensure we can get you the best personalised mortgage quote please reach out to us.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.