Moving House Mortgage Calculator
When moving home, you can either transfer your current mortgage over to your new property or find a new deal altogether by remortgaging with your existing lender or a different one entirely. It’s worth talking to your current mortgage provider or a broker who will advise you on which path to take.
Our team will arrange a time to speak to you about your current circumstances to make sure that nothing has changed since your initial application. This is done over the phone and takes no longer than 30 minutes and is completely free of charge.
We make recommendations on mortgage lenders based on your affordability and look to get an ‘Agreement in Principle’ confirmed.
With a confirmed AiP you’ll be free to shop around and start viewing properties and look to make an offer on a home that you would like to move in to. Once the offer has been agreed, your mortgage broker will then be able to make more specific recommendations on mortgage products and lenders before creating, submitting and managing your mortgage application on your behalf.
We have a number of useful guides and resources available for home movers.
Best Mortgages for Moving Home, UK - Compare Rates & Deals
Use the table below to find the best mortgages for moving house and compare today’s rates and best buys. You can speak to a member of our mortgages team for free advice and support.
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Frequently Asked Questions
Who do I need to inform when moving house?
When you move house you need to make sure that you inform your employer of your change of address, local councils and authorities, utility providers, car insurers and the DVLA, your bank and any recreational or professional companies that have your previous details on file.
How much Stamp Duty will I pay when moving house?
The amount of stamp duty you’ll pay will vary depending on the value of the property or the share or property being purchased. Stamp duty fees will also vary depending on changes within HMRC and government guidelines. You can use our stamp duty calculator to see how much you will need to pay.
What happens to my existing mortgage when moving home?
When you move house you can either transfer your existing mortgage to your new property (this is called Porting) or apply for a new mortgage all together. This is called remortgaging.
Can I buy a new property without selling my existing home?
Yes you can. This is referred to as Let to Buy. You will need to convert your current mortgage product to a Buy to Let mortgage either with your current lender or with a new one. You will then be free to purchase a new property as your main residency.
What fees are involved when moving house?
When you move home you will need to pay estate agent fees such as valuation costs, surveys, selling fees and any arrangement fees. You’ll also need to pay Solicitor Fees for any disbursements or searches as well as the required Stamp Duty and any removal costs should you need it.