Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
YOUR NEXT HOME
Home mover mortgages
Coordinate your sale, purchase and new mortgage with one experienced adviser. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with home mover mortgages
The right mortgage is about more than finding a rate. We assess affordability, income, deposit or equity, credit history, property and future plans before recommending an appropriate route.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Coordinate the mortgage with your move
Moving home can involve a sale, onward purchase, estate agents, solicitors and two mortgage decisions at once. We help you understand affordability, whether an existing deal can be ported and what additional borrowing may be available.
Sale and equity
Estimate the equity available after repaying the current mortgage and selling costs.
Porting
Review whether your existing product may move with you and what new lending is required.
Affordability
Assess the new payment and purchase budget before committing to the move.
Timing
Keep the application aligned with the property chain and intended completion.
Specialist knowledge that can make the difference
Our team regularly works with moving home, porting and onward purchases. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.