Moving Home Mortgages
Port your existing deal, top it up, or switch lenders. Your equity does most of the work.
Why moving home?
Moving home nearly always means arranging your mortgage again. The simplest route is often to port your existing deal to the new place, so you keep the rate you already have. Other times a product transfer with your current lender, or a move to a new one, works out better. What suits you depends on the deal you are on now and how much you need to borrow against the equity you have built up.
A home mover mortgage tends to take one of a few shapes. You might carry your current deal across to the new property, borrow more to fund a larger home, or switch to a sharper rate once your fixed term runs out. Timing counts for a lot here. So do early repayment charges (ERCs), which are the penalty some lenders apply when you leave a deal before it ends.
At Clearview Mortgage Solutions we will look over your current mortgage, talk you through how porting and product transfers work, and help you find the right deal for the move.
Key facts
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our moving home calculator.
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Moving Home mortgages
A guide to moving home mortgages
Your options when moving, from porting to remortgaging or additional borrowing, and how to choose between them.
ReadPorting your mortgage
How porting works, when it makes sense, and what happens if you need to borrow more on top.
ReadAdditional borrowing when moving
Where extra funds come from, how lenders assess top-up loans, and the costs involved.
ReadMoving home: timeline and costs
A realistic week-by-week timeline, common delays, and the full breakdown of fees to budget for.
Read
Frequently asked.
That is called porting. Plenty of mortgages are portable, but your lender will reassess your affordability against the new property value and any extra borrowing. If the new place costs more, you may need a top-up loan at a different rate.
Talk to a specialist.
moving home mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.