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Moving Home Mortgage Advise

2022 was an extremely busy year for the property market, with house prices pushed to record highs. And despite a calmer housing market this year – which we last saw before the pandemic – there are still lots of buyers ready to launch their home search in 2023. Here at choice mortgage centre we have helped thousands of valued clients from all over the UK move home quickly and easily.

Whether you’re purchasing and selling at the same time or letting out your previous property, it’s our job to ease some of that stress and give you a service you deserve. We want to make sure the process goes as smoothly as possible, leaving you with a result that is favoured by all.

The current housing market stability means it’s a great time to be moving. With interest rates starting to slightly drop and level out, there are a number of fantastic deals available on fixed products, possibly making your home move far more affordable than you may have thought.

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Tips for keeping your mortgage costs down

If you want to keep costs down, here are a few tips:

If you don’t need to increase your borrowing, porting an existing mortgage to a new property through your current provider can help minimise costs
If you are tied into a fixed-rate deal and you can delay moving, it’ll be cheaper to wait until your fixed deal has come to an end and you’re on your lender’s SVR as you won’t have to pay any early repayment fees
Even if you do have to pay an early repayment fee, you may find the cost is offset by switching to a mortgage with a lower interest rate, so it’s important to speak to us so we an compare the costs.

Can I move my current mortgage to a new house?

If you’re moving house and you already have a mortgage on your current home, you might be able to transfer – or ‘port’ – your mortgage to your new property. It’s worth checking your mortgage details to find out whether your deal is in fact portable. We can look through the documents you were given when you arranged the deal.

Even if porting your mortgage is possible, you’ll still need to reapply and go through the same affordability and credit checks you went through to get the mortgage. You’ll also have to pay for a valuation, as well as legal fees and stamp duty.

You may find it harder to get approved for the same mortgage if your financial circumstances have changed. For example, if you’ve changed job or become self-employed, had children or seen some other change in your financial circumstances.