Home Mover Mortgage Services
Professional Home Mover Mortgage Advisory Services
Transform your moving journey with expert whole-of-market mortgage advice tailored to your unique circumstances.
SBS Finance specialises in home mover mortgage solutions, providing comprehensive guidance for homeowners ready to move house. Whether you’re upsizing for a growing family, downsizing for retirement, or relocating across the UK, our qualified advisers search the entire market to secure the best mortgage deal for your new property.
Why Home Mover Mortgages Are Essential for Your Property Journey
Moving home involves complex financial decisions that extend far beyond choosing your new house. When the right home mover mortgage is properly selected and managed, you can enjoy significant benefits throughout your relocation:
Access to Exclusive Products
Home mover mortgage rates currently vary depending on your LTV and circumstances, depending on your LTV and circumstances. Whole-of-market access ensures you find competitive rates unavailable on the high street.
Streamlined Application Process
Designed specifically for existing homeowners, our process accounts for your current home equity, existing mortgage terms, and new property requirements.
Porting Options
When moving home, you can either transfer (port) your existing mortgage to a new property or pay it off and take out a new mortgage, depending on your financial situation and the terms of your current mortgage. Porting your mortgage allows you to keep your existing interest rate, which can save you from the fees associated with taking out a new loan, but not all mortgages are portable. Always check the details of your mortgage agreement or consult with an adviser to understand specific requirements and eligibility for porting.
Expert Chain Management
Professional guidance through complex moving timelines, coordinating with estate agents and solicitors to keep your transaction on track.
Transparent Fee Structure
Our £395 purchase mortgage fee covers comprehensive advice, application support, and ongoing assistance, with no hidden costs—detailed breakdowns provided during your initial consultation.
Our Home Mover Mortgage Services
Residential Home Mover Mortgages
We create tailored mortgage solutions for residential properties of all types—family homes, apartments, luxury properties, and everything in between. Our coverage extends across Hampshire, London, and neighbouring regions, including Scotland and throughout the whole of the UK, with specialist advice for clients planning to upsize, downsize, or make a lateral move to a different area.
Whether your circumstances involve a straightforward purchase or complex factors like self-employment income, our advisers manage the entire process to deliver a stress free experience.
Buy-to-Let Property Moves
Expert mortgage advice for landlords expanding or relocating their portfolio. We provide competitive buy-to-let rates for home movers entering the rental market, along with professional guidance on tax implications and rental yield calculations.
For clients converting their current home to a let while purchasing a new property, we help you navigate SDLT surcharges, capital gains tax considerations, and the restricted mortgage interest tax relief that affects landlord cash flow.
Our Top 10 Home Mover Mortgage Products
2-Year Fixed Rate Home Mover Mortgages
Stability for short-term moves offering competitive terms, with the best rates usually available at 60% LTV
5-Year Fixed Rate Products
Long-term security for settled families seeking predictable monthly payments
Portable Mortgage Options
Transfer existing deals to new properties and potentially save money on arrangement fees
High LTV Home Mover Loans
Up to 95% lending for chain-free buyers, with rates in the mid-5% range
Offset Mortgage Solutions
Tax-efficient options allowing cash-rich movers to reduce interest charges
Green Mortgages
Enhanced rates for energy-efficient properties with strong EPC ratings
Self-Employed Home Mover Products
Specialist underwriting for complex incomes requiring SA302s or accountant references
Shared Ownership Moves
Staircasing and transfer mortgage options for those moving within shared ownership schemes
Help to Move Schemes
Government-backed programs and homebuilder initiatives, often called Assisted Move, Easymover, or Movemaker, designed to support home movers by facilitating the sale of their current property while purchasing a new-build home. These schemes are mostly offered by new build developers such as Barratt. For example, Barratt’s Movemaker scheme helps make your move easier by arranging the sale of your existing home and paying the estate agent fees. Buying a new home is an exciting time, but it can also be stressful; with Movemaker, Barratt supports you every step of the way to ensure a less stressful moving experience.
Bridging Finance Solutions
While we do not directly offer bridging finance, we can recommend a trusted partner and assist you in navigating the process for short-term funding to manage chain breaks or purchase before sale completion.
Our Home Mover Mortgage Process
Step 1: Initial Consultation
We assess your financial position, current mortgage terms, and new property requirements during a comprehensive consultation. Our review includes analysis of porting possibilities, equity calculations, and affordability projections for your planned move.
Step 2: Mortgage Search and Selection
We conduct a whole-of-market search across all available lenders to identify the most competitive home mover mortgage deals. If you decide to take out a new mortgage instead of porting, you may incur various fees such as early redemption charges, exit fees, and arrangement fees, which should be considered when making your decision. We provide detailed comparisons so you can decide which structure offers the better deal for your circumstances.
Step 3: Application and Agreement in Principle
Our experienced advisers professionally complete your mortgage application with supporting documentation. Typical timeline from full submission to formal offer is approximately 2-4 weeks for standard cases, with Agreement in Principle usually obtained within 48-72 hours to strengthen your property offer.
Step 4: Completion Support
We maintain ongoing liaison with lenders, solicitors, and estate agents until completion. The average time from accepted offer to completion in the UK runs approximately 22 weeks for transactions involving chains, though chain-free purchases can complete in 2-3 months. Our coordination ensures your mortgage funding aligns with your moving date.
Customer Testimonials
“SBS Finance made our home move seamless with expert mortgage advice and transparent fees! The whole-of-market search found us a rate we couldn’t have accessed directly.”
Sarah M.
Hampshire Home Mover
“Their whole-of-market approach saved us thousands on our moving mortgage. The hassle free service coordinated everything with our estate agents and solicitors.”
David K.
London Property Investor
Frequently Asked Questions
Contact Us
Start Your Home Move Today!
Expert mortgage advice tailored to your moving timeline and requirements. Our whole-of-market service searches across all available lenders to find your optimal mortgage structure. Get your free quote and take the first step toward your new home. Get your free initial consultation from award-winning mortgage brokers
Phone
03456 461 941Address
Unit 314, Solent Business Centre, 343 Millbrook Road West, Southampton, Hampshire, United Kingdom. SO15 0HWSee the regulatory information in the website footer.