Mortgage Services
Your next home deserves the right mortgage. We'll make sure you get it.
Whether you're upsizing, downsizing, or relocating, we handle the mortgage from start to finish — so you can focus on the move, not the paperwork. Access to 90+ lenders. Free initial advice.
Found your dream home? Don't lose it — get your mortgage in principle today.
Moving home with confidence
Whether you're upgrading to a bigger home for a growing family, downsizing after the kids leave, or relocating for work, getting the right mortgage is essential. Our advisers ensure the financial side of your move runs smoothly. Read our home mover guide for a step-by-step walkthrough.
How we help home movers
- Port or switch? — we run the numbers on both options. Porting your existing mortgage isn't always the best move, even when it feels like the easiest one. We'll tell you honestly which saves you more.
- Additional borrowing — if your new home costs more, we arrange the extra lending you need. Try our affordability calculator to see how much you could borrow
- Chain management — we coordinate timelines to align your sale and purchase
- Whole-of-market search — access to 90+ lenders for the best rates
- Protection review — we'll check your life cover, buildings insurance, and income protection to make sure everything aligns with your new property and mortgage amount. No gaps, no surprises.
Free Initial Advice
Get Your Mortgage In Principle Today
A mortgage in principle strengthens your offer and shows sellers you're serious. We can arrange yours quickly — get started with a free initial consultation.
The moving home process
- Get a mortgage agreement in principle (we can arrange this quickly)
- Find your new property and make an offer
- We submit your full mortgage application
- Valuation and survey of the new property — don't forget to check the stamp duty calculator too
- Mortgage offer issued
- Solicitors complete the legal work
- Exchange contracts and complete — you get the keys!
Need to move quickly before your property sells? We also arrange bridging finance — speak to an adviser about your options.
Client Case Study
Home movers — ported and topped up
A family upsizing from a 3-bed to a 4-bed retained their existing 1.89% fixed rate and borrowed the additional amount at a blended rate — rather than switching the whole mortgage onto a higher rate. The structuring saved them over £300 a month.
1.89%
Existing fix retained
£300+
Saved per month
4-bed
Upsized home
"We were dreading the mortgage side of moving, but Option Finance handled everything. They showed us we could keep our old rate on most of the loan and only borrow the top-up at the new rate — something we'd never have worked out ourselves. The saving was huge."
— Home mover client, Derby
Frequently Asked Questions
Can I take my existing mortgage to a new property?
How much can I borrow when moving home?
Do I need to pay stamp duty when moving home?
What happens to my mortgage when I sell?
Can I buy a new home before my current one sells?
What if my current property hasn't sold yet?
Expert reviewed by
Sukhvinder TamberMortgage Adviser · CeMAP, Cert CII
This page was reviewed by Sukhvinder, a CeMAP-qualified mortgage adviser at Option Finance. All content is checked for accuracy and kept up to date.
Moving Home
Planning a move?
Get your mortgage sorted before you start house hunting. Free, no-obligation advice.
Don't delay — mortgage rates change daily