Moving home mortgages
- Transfer your existing mortgage or switch to a new deal
- Use your equity to move up the property ladder
- Plan your sale and purchase without unnecessary delays
Ways to arrange your next mortgage
Mortgage porting
- Check if your mortgage can move with you
- Review any early repayment charges
- Compare porting with switching to a new deal
See how mortgage porting works →
Switch to a new mortgage deal
Move to a new rate, lender or mortgage structure for your next home.
- Compare rates across different lenders
- Review fees, terms and flexibility
- Check whether switching could suit your move
Compare moving home mortgage options →
Borrowing more for your next home
Increase your mortgage if your next property costs more than your current one.
- Use your income and equity to shape your budget
- See how extra borrowing affects repayments
- Compare top-up borrowing with a new mortgage deal
Explore extra borrowing when moving →
Bridging finance
Consider short-term lending if your new purchase completes before your current sale.
- Bridge the gap between sale and purchase
- Review costs, risks and repayment routes
- Check whether short-term lending could work
See when bridging finance may help →
Your home may be repossessed if you do not keep up repayments on your mortgage
What could your new mortgage payments look like?
Estimate monthly payments based on property price, deposit, interest rate and mortgage term.
- Estimate monthly mortgage repayments
- Compare different interest rates
- Understand how the term affects payments
Moving home essentials
How much equity do I have in my home?
Your equity can shape your deposit, next mortgage amount and moving budget. Work out what may be available before you make an offer.
Check your equity →
How much can I afford when moving home?
Your next budget depends on your equity, income, deposit, costs and mortgage options. Get a clearer view before you start comparing properties.
Estimate your moving budget →
What does it really cost to move home?
Moving can involve more than your deposit and mortgage. Build in stamp duty, legal fees, surveys, removals and selling costs before you commit.
Plan your moving costs →
See what lenders might offer. Get an Agreement in Principle
- See how much you could borrow for your next home
- Understand how your equity affects your budget
- Explore properties within a realistic price range
Arrange your mortgage for moving home
Muttuo compares more than 20,000 mortgage options from more than 100 lenders across the market. Our advisers will help you find the right mortgage based on your needs and circumstances.
How we work in 3 easy steps
Getting a mortgage can feel like a big step, but the process is much easier when you know what happens next.
Muttuo Mortgages helps you compare your options, understand what lenders may look for and move from early advice to application with clear support throughout.
Share your details with Team Muttuo, and we’ll provide you with personalised advice for your mortgage journey.
Our mortgage experts will outline your options and compare over 20,000 deals from more than 100 lenders to find the right solution for you.
Leave it to Team Muttuo; we’ll manage the paperwork and application process, liaise with the lender, and guide you through until your mortgage completes.
Why choose Muttuo Mortgages
Voted best mortgage broker for multiple years, Muttuo combines modern technology with award-winning mortgage expertise. We combine smart tools with real advisers to make buying, moving and remortgaging simpler.
Options from 100+ lenders
Expert guidance made simple
Moving home can feel overwhelming, but we break down the complexities of porting, equity, and timing so you can make confident decisions.
Seamless support every step of the way
Solutions for every situation
Mortgage timeline for moving home
- Check the equity in your current property (instant)
- Estimate how much you could borrow (instant)
- Get an Agreement in Principle (around 1 week)
- Find your next property (12 to 24 weeks)
- Mortgage valuation and property survey (around 2 weeks)
- Receive your mortgage offer (around 2 weeks)
- Solicitor completes legal searches (6 to 12 weeks)
- Exchange contracts and pay your deposit (usually 10%)
- Completion day and move into your new home (1 to 2 weeks)
Want a more detailed breakdown?
Stamp duty calculator
- Calculate stamp duty on your new property
- Check rates based on your circumstances
- Get a clear view of your total moving costs
A complete guide to moving home
- Mortgage options when moving home
- Porting or switching your mortgage
- Costs involved when buying and selling
The latest mortgage news
Moving home mortgage questions answered
Clear answers to the questions that matter when arranging a mortgage for your next home.
Can you take your existing mortgage with you?
Possibly, if your mortgage is portable and your lender approves the move.
Porting usually means transferring your current mortgage product and rate to the new property. It is still treated as a new mortgage application, so your finances and the property will be assessed again.
If you need additional borrowing, that amount may be arranged on a different product and rate.
How much can you borrow when moving home?
The amount will depend on your current circumstances and the property you want to buy.
Lenders normally review your income, regular spending, debts, dependants, credit history, mortgage term and available deposit.
You should expect a new affordability assessment even if you are porting your mortgage or do not plan to increase your borrowing.
What happens if your new home costs more or less?
Your mortgage may need to be adjusted around the new purchase price.
If you need to borrow more, the additional amount may be placed on a separate product with a different rate and end date.
If you borrow less, part of your existing mortgage may be repaid, and an early repayment charge could apply, depending on your current terms.
How is equity from your current home used as a deposit?
The usable equity from your sale can normally contribute towards your new deposit.
To estimate it, subtract your outstanding mortgage and selling costs from the expected sale price.
The final amount will depend on the price you achieve and the costs of moving, so it is sensible to retain a financial buffer.
Should you get an AIP before making an offer?
An Agreement in Principle can help you establish a realistic budget before offering on a property.
It gives an initial indication of what a lender might be prepared to lend based on the information provided.
It can also help demonstrate that you have considered your finances. An AIP is not a mortgage offer or a guarantee of approval.
What costs should you budget for when moving home?
Allow for the combined costs of selling, buying and arranging your mortgage.
These can include estate agent fees, conveyancing for both transactions, searches, a property survey, lender or product fees, mortgage advice, property tax, removals and insurance.
You should also check whether early repayment charges or mortgage exit fees apply.
Can you buy a new home before selling your current one?
It may be possible, but you must be able to fund and afford both properties temporarily.
Possible routes include savings, additional borrowing or short-term bridging finance, subject to lender criteria. You may also pay higher rates of property transaction tax while you own both homes.
The rules and potential refund deadlines depend on where you are buying. Bridging finance can be expensive and requires a clear repayment strategy.
Things to consider
Mortgage availability and borrowing depend on your circumstances, the property and lender criteria. Porting requires lender approval and affordability checks, while changing or repaying your existing mortgage may involve early repayment charges and other fees. Bridging finance can be expensive and requires a clear repayment strategy. An AIP is not a mortgage offer or guarantee of approval.
How to apply
Call Team Muttuo
Talk through your current mortgage, available equity and moving plans with an adviser. Lines open Monday to Saturday, 9am–5pm.
Message Team Muttuo
Send us your details, and we’ll reply within four working hours.
Start online
Share your budget and moving plans to begin exploring your mortgage options.