Moving Home Mortgages

Moving home shouldn't mean starting from scratch

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Whether you're upsizing for a growing family, downsizing, or simply ready for a change, moving home brings its own set of mortgage questions — porting your existing deal, increasing your borrowing, or starting fresh with a new lender. We help homeowners across Stockport and Greater Manchester work through the options and find the right path forward.

Your options when moving home

Porting your existing mortgage

Many lenders allow you to take your current mortgage rate with you to a new property, known as porting. This can be useful if you're on a competitive fixed rate and want to avoid early repayment charges, though you'll usually need to meet the lender's current affordability criteria again.

Borrowing more

If your new home costs more than your current one, you may need to borrow additional funds — either through your existing lender as a further advance, or by remortgaging to a new lender entirely. We compare both routes to see which works out better for your situation.

Starting fresh with a new lender

Sometimes the best deal for your new circumstances sits with a different lender altogether. As independent mortgage advisers, we're not limited to recommending your current provider — we compare across a comprehensive range of lenders to find the most suitable option.

Things to plan for when moving

  • Early repayment charges on your current mortgage, if applicable
  • Timing your sale and purchase to complete smoothly on the same day
  • Updating your protection cover to reflect your new mortgage balance and property
  • Stamp duty on your new purchase, which varies depending on price and circumstances

Why homeowners choose TLD when moving

  • Independent advice — we compare across a comprehensive range of lenders, including the option to stay with your current lender if that's genuinely the best deal.
  • 12,800+ plans arranged and £1.07bn+ in cover placed since 2015
  • Named Stockport's Three Best Rated Insurance Services, 2022 to 2026
  • One adviser managing your mortgage and your protection review together, so nothing falls through the cracks

Moving home is the perfect time to review your cover

Your circumstances have probably changed since you took out your existing protection — a bigger mortgage, a bigger family, or simply a higher standard of living to protect. We always recommend reviewing your life cover alongside your moving home mortgage, to make sure the amount of cover still genuinely reflects what your family would need.

Learn about Life Cover