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.

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 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.

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

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 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 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.

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.

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.