Home Mover Mortgage Guides

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.

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

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.

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.

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.

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.

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.

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.

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.

A practical guide to mortgage porting when you move home: how it works, when it’s possible, the main pros and cons, and what to consider if you can’t port.

A practical guide for home buyers and home movers considering additional borrowing through their mortgage, covering potential benefits, key risks, and what to think about before increasing your loan.

A practical guide for home movers on why mortgage application timing matters, how lender turnaround and processing can affect your outcome, and how to plan to secure the best deal within your completion schedule.

A practical guide for home movers on why speaking to a mortgage broker early can reduce stress and help you understand the real numbers behind porting, equity, buyer funding checks, and Stamp Duty/LTV implications.

Understand the difference between let-to-buy and buy-to-let, including how each strategy works, what lenders typically assess, and the practical considerations for moving home while renting out your current property.

A practical guide for home movers comparing mortgage porting and remortgaging, including the key costs, risks and decision factors to consider before you commit to a new property.

A step-by-step home mover mortgage guide for 2026, covering porting vs switching, timelines, deposits, borrowing, and the most common mistakes to avoid.

Learn what mortgage porting means when you’re moving home with a Nationwide mortgage, including whether you can port the full amount, how topping up works, and what to expect from the lender process.

A clear guide to mortgage porting for home movers: what it means, how the lender assessment works, what happens when you borrow more or less, and the key costs and limitations to consider.

A practical guide for home movers on the main move strategies, how mortgage options like porting and remortgaging fit in, and what to plan for when you’re in a property chain.

A clear guide to Labour’s Freedom to Buy mortgage guarantee scheme: what it is, how the government guarantee works, who it may suit, key limits, and the main pros and cons to consider.

A practical guide for home movers weighing up the pros and cons of buying before selling, including chain risk, budgeting, bridging options and key tax considerations.

An educational guide to mortgage types and decision points for growing families in the UK, including fixed, tracker, SVR, offset, flexible and family springboard mortgages.

A practical guide for home movers on whether and how to switch mortgage lenders while your purchase is still in progress—covering costs, timing, valuations, and what to do next.

A practical guide to the advantages, risks and mortgage considerations of selling first—so you can plan your move with confidence.

A practical guide for home movers on what to expect when selling a mortgaged property, including whether you can port your mortgage or need a new one, and the key costs and lender requirements to consider.

Learn how UK house deposits work, what different deposit sizes mean for your mortgage, and how first-time buyers and home movers typically plan their deposit.

A practical guide for home movers considering a second property for rental income, covering mortgage options, funding routes, holiday let vs long-term let considerations, and the extra costs and tax points that often catch people out.

Understand what happens when you sell during a fixed-rate mortgage term, including early repayment charges and the option to port your mortgage.

A practical guide for home movers buying again—how deposits and LTV affect mortgage options, what lenders typically look for, and how to plan your next application.

Learn about the main 5% deposit mortgage options available to second-time buyers, including how they work, common requirements, and how a broker can help you choose the right route.