Circumstances change, whether that’s growing space requirements, relocation or lifestyle shifts.
We’ll review your existing mortgage, assess affordability and guide you through the process from sale through to your next purchase.
Moving home involves more than just finding a new property. Your existing mortgage, available equity and borrowing position all need to be understood before you commit.
We review your current position, confirm your onward borrowing capacity and help you plan the move from sale through to your onward purchase.
Clear advice. Controlled process. No unnecessary surprises.
Before you commit to a purchase, we assess your full position, not just your borrowing limit.
This includes:
Calculating available equity in your current property
Reviewing whether porting your existing mortgage is viable
Assessing affordability for your onward purchase
Comparing new mortgage options against your current deal
Outlining all associated costs, including fees and Stamp Duty
We then recommend the most suitable approach and manage the application through to offer and completion, working closely with estate agents, solicitors and lenders to keep everything progressing.
The aim is simple: clarity before you commit, and support throughout the move.
Property transactions involve multiple parties such as estate agents, solicitors, lenders and valuers, each operating on different timelines.
We take an active role in progressing your transaction, maintaining regular communication with all parties to identify bottlenecks early and prevent avoidable delays.
Our objective is simple: keep momentum, manage expectations and ensure your mortgage remains aligned with your wider move.
Porting allows you to transfer your existing mortgage product to a new property, subject to lender approval and affordability reassessment.
Although porting requires a new application and underwriting review, we confirm your eligibility and borrowing position before you commit to a purchase.
Let to Buy involves remortgaging your current home onto a Buy-to-Let basis while arranging a new residential mortgage for your onward purchase.
This can allow you to retain your existing property as an investment, subject to rental and affordability criteria.
We assess both sides of the transaction to ensure the overall structure works.
Find out more information about let to buy
This can allow you to retain your existing property as an investment, subject to rental and affordability criteria.
Unlike a standard mortgage, funds are released in phases, typically linked to land purchase and key construction milestones, requiring careful planning around cashflow, contingency and project timelines.
Lenders will assess not just affordability, but build costs, planning status and the overall project.
We help you plan the funding around your build so the project can progress without disruption.
Clear planning. Controlled funding. No mid-build surprises.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is £495 depending on your circumstances.
We have access to thousands of mortgage deals, including many exclusive deals not available elsewhere, along with specialist lenders who can assist with unique situations.
Ideally, before you begin viewing properties or making offers.
Speaking to a mortgage adviser early allows you to understand what you can realistically afford, how lenders will assess your income and what the process involves. It also puts you in a stronger position when you’re ready to proceed.
Your initial consultation is provided on a no-obligation basis, giving you clarity before making any commitments.
Not necessarily. We can review your circumstances and obtain an Agreement in Principle before you’ve secured a property.
Property details are required at full application stage, as lenders must confirm the purchase fits their criteria.
Not necessarily. You can begin your mortgage application without having formally instructed a solicitor. However, lenders will require solicitor details during the process, as legal work must be carried out before completion.
We often aim to secure a mortgage offer within approximately 14 days, subject to lender and valuation timescales.
Complex cases may take longer, but we manage progression closely and keep you informed throughout.
The Help to Buy (Equity Loan) scheme has now closed to new applicants.
However, other schemes and purchasing routes may be available depending on your circumstances, including Shared Ownership or alternative low-deposit options, subject to eligibility.
Affordability is generally assessed in the same way as for first-time buyers, based on income and expenditure.
However, equity built up in your current property may allow for a larger deposit, which can improve borrowing options.
It may be possible, depending on the type, severity and age of the adverse credit.
Some lenders will consider applicants with missed payments, defaults, CCJs or historic credit issues, subject to deposit levels and affordability.
Please refer to our credit repair page for more info.
When porting your existing mortgage to a new property, early repayment charges are often waived on the portion being transferred provided the transaction completes in line with the lender’s conditions.
If you need to borrow additional funds, this is typically arranged on a new product with its own rate and terms.
Stamp Duty may be payable depending on the purchase price and your circumstances. Standard residential thresholds apply to most home movers, although these are subject to change.
A 5% deposit is typical for many lenders, although criteria vary.
In certain cases, higher borrowing may be available subject to eligibility and affordability.
Porting requires a full reassessment, as it’s treated as a new application.
In many cases, a partner can be added subject to affordability and lender approval.
A mortgage creates long-term financial commitments, so protecting your income and household finances should form part of the overall plan.
Life insurance, critical illness cover and income protection can help ensure mortgage payments and other commitments remain manageable if your circumstances change.
We will always discuss protection as part of the mortgage advice process to ensure the right safeguards are considered.
