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You may already have equity in your current property to use as a deposit on your next home. You may be mid-fix on your existing mortgage with early repayment charges to consider. You may want to port your current deal to the new property, or take the opportunity to switch to a more competitive rate. Our advisers work through all of this for you — at no cost.
This page explains how our moving home mortgage service works and what to expect at each stage — from calculating how much you can borrow based on your available equity, to understanding your porting options and budgeting for all associated costs.
You will encounter a range of terms along the way: porting, early repayment charges (ERCs), loan-to-value (LTV), stamp duty and agreement in principle. We explain everything in plain English so you always know exactly where you stand.
By working with Alexander Southwell Mortgage Services, you can be confident that the mortgage you move with is the right one for your specific circumstances — whether that is porting your existing deal or securing a more competitive rate from across the market.
We calculate exactly how much you can borrow based on your income, your existing equity and the value of your new property. We guide you through every step from initial agreement in principle through to completion.
"We will never charge you a penny for our service — we're 100% Fee-Free Mortgage Brokers."
A home mover mortgage is for people who already own a property and are purchasing their next one. Unlike a first-time buyer application, you may have equity to use as a deposit, an existing mortgage deal to manage, and potentially early repayment charges to weigh up. Whether you are selling simultaneously, buying before you sell, or porting to the new property, our advisers are experienced in every scenario.
Transfer your existing mortgage to your new property — known as porting — or apply for a brand new deal. We compare both options against the full market to find what saves you the most.
The equity built up in your current home forms your deposit for the next property. We calculate exactly how much you have to work with and how it affects your loan-to-value ratio and the rates available to you.
Beyond the purchase price, factor in stamp duty, legal fees, survey costs and removal expenses. Our moving cost calculator helps you plan for everything — not just the mortgage.
If your current fixed rate is due to expire soon, timing your move to coincide with it could save you thousands in early repayment charges. We help you identify the best moment to act.
We have broken down the moving home process into focused guides. Explore each topic in depth — from porting your mortgage and understanding ERCs to budgeting for stamp duty and legal fees.
Transfer your existing mortgage to your new property and understand when early repayment charges apply. Find out how porting works and whether it is the right option for your move.
How much can you borrow? How much equity do you have for a deposit? We run the numbers on your specific situation so there are no surprises when you make an offer.
Use our moving cost calculator to budget for stamp duty, legal fees, surveys and removal expenses. Know the full cost of your move before you commit.
Fixed rates give certainty over your monthly payments; tracker and variable rates often start lower but can change. We compare the best current deals and recommend what suits your situation.
From buildings and contents insurance to solicitor fees and conveyancing, we guide you through every protection and legal requirement home movers need to arrange.
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