Moving on Up… or Just Moving on
Whether you're upsizing for a growing family, downsizing now the kids have left, or ready for a change, moving home is a significant moment. And while you may have done it before, it doesn't necessarily make the mortgage side of things any more straightforward.
Your circumstances may have changed since you last applied for a mortgage. Lenders' criteria certainly will have. And unlike your first property purchase, you're likely managing two transactions simultaneously, selling one property while buying another, which adds a layer of complexity that can catch even the most experienced home movers off guard.
A home mover mortgage is essentially a new mortgage arranged around your next property. It takes into account your current situation, any existing deal you're leaving behind, and what makes the most financial sense for the move ahead.
Getting that right at the start can save you time, money and a great deal of stress. That's where we can help you.
Book a ConsultationAbout Our Home Mover Mortgages
Moving home involves more moving parts than you might anticipate. Timing your existing mortgage. Assessing any early repayment charges. Understanding what you can borrow against your next property.
There's a lot to get right, and the order in which you do things matters.
Our chief broker, Jason, and his team have spent over 50 years helping clients navigate this kind of complexity. We know which lenders are flexible on timing, which will consider porting your existing deal instead of remortgaging, and how to structure things so your move doesn't stall because the financial side hasn't kept pace.
We'll review your existing mortgage first, understanding what you're working with before recommending anything. If porting makes sense, we'll explore it. If a new deal on the market is more competitive, we'll find it. And if your income, credit profile or the property itself presents any complications, we have both the lender relationships and the specialist knowledge to work through them.
That specialist knowledge extends further than most brokers can offer. Because we have in-house RICS-qualified chartered surveyors, we're uniquely placed to help if the property you're buying throws up an issue like a down-valuation, retention or structural flag that threatens to derail your plans. These are the moments when having surveying expertise alongside your mortgage advice can make all the difference.
Why Choose FG & Cook?
Moving home can be complicated enough without your mortgage adding to the stress. Here's how we make sure it doesn't:
- We understand the full picture – From early repayment charges on your existing deal to affordability on your next one, we take a holistic view of your move before making any recommendations. We make sure nothing gets missed.
- Lender relationships that open doors – Over 50 years in the mortgage market means we know how lenders think and what they'll consider. When your situation doesn't fit a standard template, that knowledge is invaluable.
- Surveying expertise – Property issues during a move can derail the whole thing. Our in-house RICS surveyors will assess what a valuation problem means for your application, and what options you have.
- One broker, from offer to completion – Your case is handled by one experienced broker throughout. You'll always know where things stand, and you'll never have to repeat yourself.
Ready to Make Your Next Move?
If you're thinking about moving home, whether you've already found a property or you're still at the planning stage, it pays to get your mortgage position clear early. The sooner we understand your situation, the more options we can offer you. Book a consultation with one of our brokers today to learn what's possible.
Book a Consultation