Moving Home

  • Moving home is an exciting milestone — whether you’re upsizing to more space, downsizing for simplicity, relocating for work, or simply looking for a fresh start. But along with packing boxes and booking removals comes the challenge of securing the right mortgage for your new property. At J Finance, our specialist mortgage advisers guide you through every step, making the financial side easier and stress-free for you.

  • When you already have a mortgage but are moving to a new property, there are several ways to approach your finance. Knowing the right path for your situation can save time, money and stress.

    1. Porting Your Current Mortgage

    If your existing mortgage deals allow it, you may be able to take your current mortgage with you to your new home. This is known as mortgage porting. It can be particularly advantageous if you’re on a competitive interest rate that you’d like to keep. But porting isn’t automatic — your lender must approve it, and you still need to meet affordability criteria.

    2. Switching to a New Mortgage

    If porting doesn’t suit your goals — for example, if you want a better rate, a longer term, or the new property is significantly different in value — you can take out a brand new mortgage. This gives you a fresh start on your new purchase and often allows you to explore more competitive deals across the market.

    3. Using Equity or Additional Borrowing

    When you sell your existing home, the equity (the difference between its value and what you owe) can be used towards your next purchase. If you’re moving to a more expensive property, you may need to borrow more than your existing mortgage, which could involve a combination of porting and new borrowing.

    4. Bridging the Gap

    Sometimes timing doesn’t align — you may need to buy before selling, or you might encounter delays in the property chain. In these cases, short-term finance solutions such as bridging loans can help you proceed while you wait for your current property to complete.

    • Tailored Mortgage Advice – We assess your financial situation and recommend the best mortgage options.

    • Seamless Process – From application to approval, we handle the details so you can focus on your move.

    • Access to Competitive Rates – We search the market for deals that align with your budget and needs.

    • Expert Guidance on Fees & Costs – We ensure you understand any early repayment charges, legal fees, or additional moving costs.

  • Moving home involves more than just a mortgage. It’s important to budget for additional costs so there are no financial surprises:

    • Estate agent fees

    • Solicitor and conveyancing costs

    • Stamp Duty (if applicable)

    • Valuation and survey fees

    • Removal and relocation expenses

    • Life, buildings and contents insurance

    Understanding all the costs early can help you plan effectively and avoid last-minute strains on your budget.

  • Choosing the right adviser can transform your moving experience. At J Finance, we bring clarity and confidence to your mortgage journey:

    • Tailored mortgage recommendations based on your circumstances

    • Comprehensive market search to find competitive deals

    • Support through the entire process — from planning to completion

    • Clear explanations of fees, costs and terms

    • Flexible appointments, remotely or in person across the UK

    Our advisers work with clients nationwide — including areas such as Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Yorkshire, Derbyshire and London — and deliver bespoke support at every stage.

  • Step 1 – Initial Review

    We begin with a personalised consultation to understand your goals, finances and timeframes. This helps us advise you on whether porting, switching, or a new mortgage is right for you.

    Step 2 – Affordability and Mortgage Search

    We assess how much you can borrow and search the market for suitable options, considering your current mortgage status and future plans.

    Step 3 – Preparation and Application

    We prepare your mortgage application and supporting documents, submit them to the lender, and guide you through any requests or requirements.

    Step 4 – Offer and Completion

    Once an offer is received, we support you through conveyancing, liaise with your solicitor if needed, and ensure a smooth journey through to completion day.

    • Start with a clear budget — know how much you can afford including all moving costs

    • Check your current mortgage terms — early repayment charges or portability can influence your options

    • Get a decision in principle early — this strengthens your position when making offers

    • Prepare documentation in advance — payslips, bank statements, ID and property information

    • Plan your move timeline carefully — synchronise selling and buying where possible

  • At J Finance, we bring confidence, clarity and experience to your moving home mortgage. Whether you’re relocating near or far, upsizing for your growing family or downsizing for a new lifestyle, we’re here to make your next mortgage work for you.

    📞 01635 521300
    📧 contact@jfinance.co.uk

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