Review your current mortgage
Check the balance, rate, deal end date, porting rules and any early repayment charge.
Home-mover mortgage advice
Mortgage advice for selling your current home and buying your next one.
Rahul will help you estimate the equity available from your sale, review your current mortgage and any early repayment charge, and assess borrowing for your next home—including whether you can apply to port your existing deal.
Discuss my home move Answer four short questions, then choose how to contact Rahul.Important information
Your property may be repossessed if you do not keep up repayments on your mortgage.
Any early affordability indication is not a mortgage offer or guarantee.
Your initial review
Home-moving questions to answer before you make an offer.
01
Can I take my current mortgage to the next property?
02
How much equity may be available after the sale?
03
Could early repayment charges apply?
04
How should I time the mortgage around my sale and purchase?
What the advice covers
How Rahul supports your sale, purchase and mortgage application.
Rahul takes time to understand your circumstances, researches suitable mortgages from the lenders and products available through RG Financial Services, then explains why he considers his recommendation suitable, the costs involved and any relevant risks. If you proceed, he remains your contact while the application progresses.
- Reviewing your current mortgage and charges
- Porting and additional borrowing options
- Affordability for the next property
- Mortgage application support as the sale and purchase progress
- Reviewing protection for your new circumstances
Preparing for a review
Figures and mortgage details to prepare for your move.
You do not need every document before contacting Rahul. This list is a useful starting point and he will confirm what is needed for your circumstances.
- Your latest mortgage statement and deal end date
- An estimate of the current property value and sale costs
- Your target purchase price and likely moving costs
- Any changes to income, commitments or household plans
How the advice works
From reviewing your current mortgage to applying for the next one.
Set the next budget
Combine estimated equity, moving costs and potential borrowing to establish a realistic property range.
Review the options and apply
If you decide to proceed, Rahul will prepare the mortgage application around the expected sale and purchase timetable.
Frequently asked
Questions about mortgages when moving home.
These answers are general. Advice and lender criteria depend on your individual circumstances.
What does porting a mortgage mean?
Porting means applying to take an existing mortgage product to a new property. It is not automatic: the lender will assess a new application, the property and the borrowing required.
Can I borrow more when I move?
Possibly. Additional borrowing is subject to affordability, lender criteria and the new property. The additional amount may be on a different product or interest rate from the amount being ported.
What if my sale and purchase complete on different dates?
The mortgage and legal implications depend on the gap and the lender’s rules. Your conveyancer and adviser should be involved early so the available options can be considered.
When should I review the mortgage for a move?
Ideally before you commit to a purchase price. An early review helps identify the estimated budget, porting conditions, charges and documents before the sale and purchase progress too far.
Contact Rahul
Planning your next home move?
Share your current mortgage balance, estimated property value and target purchase price. Rahul will help you see how estimated equity, moving costs and new borrowing fit together.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding. The estimated fee is £299, payable at application.
Discuss my home move