Indicative Rates
BoE Base3.75%
Nationwide2yr Fix3.59%↓ 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70%↑ 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00%↑ 0.10£899 fee
Nationwide5yr Fix4.04%↓ 0.03£999 fee
Nationwide2yr Fix3.59%↓ 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70%↑ 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00%↑ 0.10£899 fee
Nationwide5yr Fix4.04%↓ 0.03£999 fee
Nationwide2yr Fix3.59%↓ 0.04£999 fee
NatWest2yr Fix3.70%£1,495 fee
Barclays2yr Fix3.70%↑ 0.05£899 fee
HSBC2yr Fix3.76%£999 fee
HSBC5yr Fix3.88%£999 fee
NatWest5yr Fix3.85%£1,495 fee
Barclays5yr Fix4.00%↑ 0.10£899 fee
Nationwide5yr Fix4.04%↓ 0.03£999 fee
AVG 2YR4.53%
AVG 5YR4.94%
--:--:--60% LTV · Feb 2026

Mortgage Services

Moving Home

Moving to a new home? We'll handle the mortgage so you can focus on finding your perfect property. Expert advice for upsizers, downsizers, and relocators.

Get Free Advice 01332 470 400

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 assess whether porting your current mortgage or switching to a new deal is more cost-effective
  • 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 — ensure your insurance covers the new property and any increased mortgage

Free Consultation

Get Your Mortgage In Principle Today

A mortgage in principle strengthens your offer. Get yours in minutes, completely free.

Apply Now Call 01332 470 400
No upfront fees Whole of market FCA regulated

The moving home process

  1. Get a mortgage agreement in principle (we can arrange this quickly)
  2. Find your new property and make an offer
  3. We submit your full mortgage application
  4. Valuation and survey of the new property — don't forget to check the stamp duty calculator too
  5. Mortgage offer issued
  6. Solicitors complete the legal work
  7. Exchange contracts and complete — you get the keys!

Frequently Asked Questions

Can I take my existing mortgage to a new property?
Some mortgages are "portable", meaning you can transfer them to a new property. However, you'll still need to meet the lender's criteria for the new property and may need additional borrowing. We can advise whether porting is the best option.
How much can I borrow when moving home?
This depends on your income, existing commitments, the equity in your current home, and the new property value. Use our affordability calculator for an estimate, or speak to us for personalised advice.
Do I need to pay stamp duty when moving home?
If you're moving to a more expensive property, you may pay stamp duty on the new purchase. The amount depends on the property price and whether you own any other properties. Use our stamp duty calculator to find out.
What happens to my mortgage when I sell?
When you sell, your existing mortgage is repaid from the sale proceeds. Any equity remaining after the mortgage is cleared becomes your deposit for the new property. If you're in a fixed rate, there may be early repayment charges.

Tools & guides for home movers

Mortgage Calculator

Estimate payments on your new home

Affordability Calculator

How much can you borrow?

Stamp Duty Calculator

Calculate tax on your new purchase

Home Mover Guide

Complete guide to moving home

How It Works

Our 6-step process explained
ST

Expert reviewed by

Sukhvinder Tamber

Mortgage 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

Apply Now Call 01332 470 400
5.0 Google Rating · FCA Regulated · No Upfront Fees