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Mortgages for Home Movers

Found your dream home? We'll help you find the right mortgage.

Move house with confidence

Moving to a new house can be both exciting and stressful. It is a life-changing decision  -  we can help you get the mortgage right.

What options do you have as a home mover?

As a home mover,  you may have more choice of lenders and mortgage deals due to the fact that you may have a larger deposit from the equity in your current home. However, you should also consider that your circumstances may have changed since getting your current mortgage. Moving home often ties in with a life changing event, such as getting married or having a child which will inevitably affect your finances.

So what options do you have if you want to move house?

  • Porting. Most residential mortgages are portable, which means you can move your current mortgage over to your new property. If you need to increase the size of your loan, your lender will often require you to take out a separate mortgage that covers the difference in price. This is often beneficial if your existing mortgage has Early Repayment Charges (ERCs).
  • Find a new mortgage product. You may want to consider an entirely new mortgage with a new lender or, possibly, with your existing lender. If there are no early repayment charges and your existing rate is not competitive, this is a common option.
  • Let to Buy. This is a process that helps you purchase a new home while keeping possession of your current property and letting it out.

With so many providers and different options out there, finding the right mortgage can be a complicated and time-consuming process. That is why an experienced mortgage broker such as Fairview Financial can help you find a great mortgage deal by searching across the whole market, from thousands of different types of home mover mortgages. We can tailor your mortgage to suit your requirements and avoid any unnecessary costs.

Discover your mortgage options

WHAT SETS US APART

Why Clients Choose Fairview Financial

Access to the Whole Market

As independent brokers, we’re not tied to any lender. We search the whole of the mortgage market, working with over 90 lenders and thousands of products, to find the right solution for your circumstances.

Experience Where It Matters

Our team brings decades of combined experience, including complex cases many brokers avoid. Every recommendation is fully independent and based on what’s right for you, not what’s easiest.

Personal Support from Start to Finish

You’ll never be passed around. From your first enquiry through to completion, you’ll have a dedicated broker and case manager handling the paperwork, chasing progress, and keeping things moving.

Your Information, Securely Handled

Your data matters. Our encrypted client portal lets you upload documents and track your application securely, giving you peace of mind at every stage.

Advice That Fits Your Schedule

Mortgages don’t always fit into office hours. That’s why we offer flexible appointments, including evenings and Saturday mornings, so you can get advice when it suits you.

Trusted by Hundreds of Clients

With over 400 five-star reviews, our reputation is built on clear advice, honest conversations, and results. Clients recommend us because we put their interests first, every time.

What costs to consider

Fairview Financial will carry out a comprehensive market research for you, before deciding whether to port your current deal or to find a new mortgage product. 

These are some of the costs you need to take into account:.

  • Early repayment charges -  the penalty for leaving the mortgage before it comes to an en d , often calculated as a percentage of your loan value.
  • Valuation fees - the cost of hiring a surveyor to assess the property’s condition and value.
  • Arrangement fees - lender's administrative costs for organising your mortgage.
  • Legal fees - the cost of hiring a solicitor for carrying out the conveyancing process.
  • Booking fees - a one-off application fee charged by the lender, to reserve the capital while processing your request
  • Stamp duty -   Depending on the price of the property and its location, you may have to pay stamp duty on your purchase.


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Making the mortgage process easier 

Whether you decide to transfer your existing mortgage over to your new property, or you apply for an entirely new mortgage,  you will need to go through the application process. With Fairview Financial you will have a dedicated mortgage broker who will support you from start to finish. It can be a time consuming and complex process involving two mortgages but with our experience and expertise we will ensure the smoothest of journeys.

Fairview Financial works with specialist lenders and also has access to exclusive rates from mainstream lenders that you will otherwise not be able to access directly. This way we can assist in even the most complex of circumstances. You may have bad credit or you may be self-employed or a contractor, whatever your situation is our expert advisers are on hand to help you work out exactly which mortgage deal is likely to be right for you.

We have been helping many clients move home in Gloucestershire and the surrounding area and great customer satisfaction is at the heart of everything we do, as testified by the numerous outstanding reviews.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Moving house? Let's find you the right mortgage

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


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