WickbourneMortgage Advice
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Home mover mortgages

Moving up, down or across town. We weigh porting your current deal against a new one, and time both ends of the chain.

Book a free call Work out the payments
Port or new deal
We price both
Early repayment charges
Checked before you list
Chain support
Weekly conveyancer calls
Our fee
£395 on completion
Two people carrying cardboard boxes and a plant into a timber-clad house

£395

Paid on completion. Includes porting your existing mortgage.

When you move, you have a mortgage you already pay and a bigger (or smaller) one you need. The question is how to get from one to the other without paying an early repayment charge you could have avoided.

Porting, explained

Most modern mortgages are portable: you can take your current rate with you to the new home. If you need to borrow more, the extra is usually lent on a separate product at today’s rates. Porting avoids the early repayment charge, but it ties you to your current lender’s criteria, and they may not lend you the extra. We check both before you commit.

Timing a chain

A move is two transactions that have to complete on the same day. We stay in touch with your conveyancer and both lenders every week, and we make sure your mortgage offer is still valid on the date the chain settles on. Offers usually last six months; chains sometimes take longer.

Downsizing

If you are moving to somewhere smaller, you may be able to shorten your term or clear the mortgage altogether. We will show you the monthly and total cost of each option.

Start to finish

How a moving home case runs

  1. Before you list

    We check your early repayment charge and what porting would look like, so you price your sale with the right numbers.

  2. Port, top up or start fresh

    Keeping your rate on part of the loan can be cheapest. Sometimes it is not. We show you both.

  3. Two ends of one chain

    Your sale and your purchase complete on the same day. We keep both lenders on the same timetable.

  4. Moving day

    Funds released, keys collected, and a note in our diary for when the new deal ends.

Hands wrapping plates in bubble wrap and packing them into a cardboard box

Calculator

What would this cost you each month?

Opens with a typical moving home case. Change anything.

£
years
%
Repayment type

Your monthly payment

£1,705

Total interest
£191,506
Total repaid
£511,506

A rate 0.5% lower would save you £88 a month, £26,261 over the term. That is what a broker is for.

Book a free call

Example rates as of 1 September 2026, for illustration only. Your rate depends on your circumstances and the lender.

Other cases we arrange

A couple's hands, one dropping a set of house keys into the other's open palm

First-time buyer mortgages

From a 5% deposit to keys in hand. We work out what you can borrow, find the lender that says yes to your income, and keep the chain moving.

£395 on completion

A sheet of paper and a pen on a worn wooden kitchen table

Remortgage and product switches

Your fix is ending. We compare a switch with your current lender against the whole market, and lock a new rate up to six months early.

£395 on completion

A row of red-brick terraced houses with white sash windows along a narrow lane

Buy-to-let mortgages

For first-time landlords and portfolios alike. We work the rental cover, compare personal and limited-company borrowing, and find the lender that fits.

£395 on completion

[Risk warning — your home may be repossessed if you do not keep up repayments on your mortgage. Use the exact wording required by your regulator.]