Bespoke Finance
Mortgages for Home Movers

Compare today's best-buy home mover mortgages by deposit size, then talk to our advisers about porting your current deal, switching lender, or borrowing more to fund your next move.

Mortgages for Home Movers

Moving home means a new mortgage decision, even if you already have one. You may be able to port your current deal, switch to a new lender, borrow more to upsize, or release equity to downsize. The right route depends on your current rate, the equity you've built, and what you're buying next.

Our advisers will compare your options across the whole market, including deals your current lender won't tell you about, and handle the application alongside your sale and purchase so the mortgage side doesn't slow your move.

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Home mover mortgages by deposit size

Your deposit usually comes from the equity in your current home, but it can also come from savings, or a combination of both. Your deposit size sets your loan-to-value (LTV), which drives the rates available to you. Use the tabs below to compare today's lowest true-cost home mover deals across different deposit sizes.

These tables show illustrative best-buy deals for a typical home mover purchase. Your own rate and options depend on your circumstances. Speak to an adviser for a personalised comparison.


Explore our home mover resources

From deciding whether to port or switch, to managing a chain and timing your move, we've pulled together everything you need in one place.


How our home mover mortgage service works

Tell Us About You

Share the details of your situation by completing a quick 60-second form. It takes just a minute and won't affect your credit score.

Mortgage Match

We search across more than 100 lenders — including exclusive deals only available through specialist brokers — to find the right mortgage for you.

Meet your Expert

We pair you with your dedicated mortgage adviser. They'll manage everything from start to finish while you track progress anytime in your personal customer portal. No chasing, no messy paperwork.


Home mover lenders we work with

As an independent broker we search deals from a wide panel of high-street and specialist lenders, not just your current one. That means more options when you move, including lenders who'll consider porting, top-up borrowing, and changed circumstances.


Home Mover Mortgage Guides

City professionals moving out of London: mortgage planning guide

A practical guide for City professionals planning a move out of London, covering how affordability can change, how lenders view bonus and variable income, and what to consider when buying in commuter locations.

Moving house mortgage process

A step-by-step guide to the mortgage process when moving house, from budget and agreement in principle through valuation, underwriting, surveys and completion.

Green mortgages: energy-efficient home finance for homebuyers

Learn what green mortgages are, how they’re structured for purchase and remortgage, what EPC ratings typically matter, and how energy-efficiency upgrades can affect your mortgage options.

Can you move house while you have a mortgage?

Explore the main ways to move home when you already have a mortgage, including porting, remortgaging, consent to let/let-to-buy, and keeping your existing mortgage for a second home or holiday let.

IVA mortgages for moving home

A practical guide for home movers with an IVA, covering how an Individual Voluntary Arrangement can affect mortgage options, what lenders typically look for, and how porting vs applying may work when you move.

Self-employed mortgages for home movers

A practical guide for self-employed home movers: porting vs new mortgage, how lenders assess income, typical evidence required, and what to consider if you’re in a chain.

Low Credit Score Mortgages for Home Movers

A practical guide to moving home with a low credit score, including how lenders assess your application, what to do before you apply, and how to improve your chances of approval.

Company director mortgages for home movers

A practical guide for home movers who are company directors, explaining how limited company status can affect mortgage applications and what information lenders typically expect.

Mortgages for Older People

A practical guide to how mortgage lending works for older borrowers, including age/term limits, what lenders look for, and later-life options that may help you move home.


Ready to talk through your move?

Tell us where you are in the process and one of our advisers will come back to you with clear, no-pressure guidance on your next steps, whether that's porting, switching, or something in between.

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Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX