Whether you’re upsizing, downsizing, or relocating for a new chapter, moving home can be both exciting and overwhelming. At Orchard Mortgage Solutions, we’re here to help you make the home movers mortgage process as smooth and stress-free as possible.

With so many mortgage options available, it’s important to know what’s right for you—especially if you’re also trying to sell your current property. We’re here to guide you through the process step by step.

What Is a Home Mover Mortgage?

A home mover mortgage is a mortgage for people who already own a property and are planning to move to a new home. You might choose to pay off your current mortgage and start a new one. Or, you could port your existing mortgage to your new property. Both routes have pros and cons, and the right choice depends on your personal and financial situation.

What Does Porting a Mortgage Mean?

Porting a mortgage means transferring your current mortgage to your new home. It sounds simple, and often it is—but it depends on your lender and mortgage terms.

✅ You might be able to keep your current interest rate
✅ You may avoid early repayment charges
❗ You’ll still need to apply and qualify again
❗ Your lender will re-check your income and affordability

If your new home is more expensive, you may also need to apply for a top-up loan—essentially a second part to your mortgage with a different rate or term.

Starting Fresh: Getting a New Mortgage

Many people moving home choose to switch to a new mortgage. This gives you the chance to:

• Lock in a more competitive interest rate
• Choose a new lender with better terms
• Adjust your mortgage length or type

If interest rates have dropped since your original deal, switching might save you money over the long term—even if early repayment charges apply.

Costs to Consider When Moving Home

Buying a new home is exciting, but the costs can add up. Here are some common expenses you should budget for:

• Stamp Duty Land Tax (SDLT) – A government tax based on the price of your new home
• Estate agent fees – Usually 1% to 3% of your current property’s sale price
• Solicitor and conveyancing fees – For handling all legal aspects of buying and selling
• Mortgage arrangement fees – Depending on your lender and chosen mortgage deal
• Valuation and survey fees – To assess your new property’s condition and value
• Removal costs – Hiring a van or professional movers
• Early repayment charges – If you leave your current mortgage before the term ends
• Broker fees – If you choose to use a mortgage broker (though we offer fee-free advice!)

By planning ahead and understanding these costs, you can avoid nasty surprises and move with confidence.

Mortgage Options for Home Movers

There’s no one-size-fits-all mortgage. Your options include:

• Fixed-rate mortgages – Stable monthly payments for a set period
• Tracker or variable-rate mortgages – Rates that change with the Bank of England base rate
• Offset mortgages – Use your savings to reduce interest
• Interest-only mortgages – Lower monthly payments, with the capital repaid later
• Part and part mortgages – A blend of interest-only and repayment terms

If you’re self-employed, have bad credit, or are moving into a new type of property, don’t worry. We have access to lenders who can still help.

How We Help Home Movers Like You

At Orchard Mortgage Solutions, we do more than just compare rates. We’ll:

• Review your current mortgage terms
• Explore porting or remortgaging options
• Recommend mortgage deals that suit your needs
• Help with paperwork, forms, and communication with your lender
• Support you throughout the buying and selling process

We understand how complex moving can be, especially when you’re juggling selling one home and buying another. That’s why our goal is to make everything as simple and clear as possible.

Get Expert Advice Today

Every move is different, and so is every mortgage. That’s why personalised advice is so important. Let Orchard Mortgage Solutions help you find the best path forward, whether that means porting your mortgage or starting fresh with a new deal.

📞 Call us today 01257 543013 to speak with one of our expert advisers
📧 Or use our contact form to arrange a no-obligation consultation