home Mover mortgage advice

Thinking of shelling out for a bigger home?

Moving home is exciting, but it can quickly become complicated.

Between selling your current home, finding a new one, and timing everything right, there’s a lot to manage.

At Moat Mortgages, we lighten the load by arranging the right mortgage and coordinating with lenders, estate agents and solicitors to keep your move smooth.

How we help:

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Clear guidance on how much you can borrow

•

Access to competitive rates across the whole market

•

Advice on porting or switching your mortgage

•

Support throughout the entire moving process

•

Liaising with all parties to keep your chain moving

Move faster than a march hare.

When you start your property search, you need to be prepared.

So contact us as soon as you decide to move, and we’ll get you mortgage-ready.

Then, when the right home appears, you can make an offer with confidence and secure the best deal within 24–48 hours.

How we get you mortgage-ready:

•

Confirm how much you can borrow

•

Check any early repayment charges

•

Decide whether to port or switch your mortgage

•

Prepare your paperwork to apply quickly

•

Monitor preferred products and lenders

The mortgage-ready process

We take the strain to protect your chain.

As every home mover knows, property chains are delicate. Buyers, sellers, solicitors, lenders and deadlines are all connected, and one delay can put the whole move at risk.

At Moat Mortgages, we work behind the scenes to keep everything moving smoothly, coordinating with everyone involved so your purchase stays on track.

Get you mortgage-ready early

We check affordability, prepare your documents and resolve potential issues before you offer, giving sellers confidence you’re ready to proceed.

Keep everyone informed

With your permission, we update estate agents and solicitors, so the whole chain knows your mortgage is progressing.

Match you with the right lender

We recommend lenders known for speed, reliability and competitive deals — avoiding those likely to cause delays.

Solve problems early

If issues arise, from valuations to lender queries, we act quickly and already know the alternatives.

Proactively manage progress

We track your application, chase lenders and valuers, and step in quickly if anything starts to slow.

Personally invested in your move

Our service is free to you, and we’re only paid when your mortgage completes, so we’re fully committed to getting you over the finish line.

Home mover FAQs.

Can I transfer my mortgage when moving house?

Many lenders allow you to “port” your mortgage, meaning you transfer your existing mortgage deal to a new property. This can allow you to keep your current interest rate, although you will still need to pass affordability checks.

Do I need a new mortgage when moving house?

Sometimes. If your current mortgage is not portable or you need to borrow more money for a new property, you may need to take out a new mortgage or change lenders.

Can I borrow more when moving home?

Yes. If you are moving to a more expensive property, lenders may allow you to increase your mortgage borrowing, subject to affordability checks and property value.

Do I need a deposit when moving house?

Your deposit normally comes from the equity in your existing home. When your property is sold, the remaining equity after paying off your current mortgage can be used as the deposit for your next property.

What happens to my mortgage when I sell my house?

When you sell your home, the proceeds are typically used to repay your existing mortgage balance. If you are buying another property at the same time, your mortgage may be ported or replaced with a new mortgage deal.

How long does a moving home mortgage take?

Mortgage approval usually takes 2–6 weeks, although the overall moving process can take longer depending on the property chain and legal work involved.

Should I speak to a mortgage adviser before selling my home?

Yes. Understanding your mortgage options before putting your property on the market helps you plan your budget and avoid delays when making offers on a new home.

Contact Moat

Get that new home feeling.

Call us, and we’ll find you the best mortgage for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Get that new home feeling.

Call us, and we’ll find you the best mortgage for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Get that new home feeling.

Call us, and we’ll find you the best mortgage for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Get that new home feeling.

Call us, and we’ll find you the best mortgage for free.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The right advice for free

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

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The right advice for free