Port your existing mortgage
Ask whether your current deal can move to the new property. The lender still assesses you and the new home. Extra borrowing may have a separate rate and end date.
MOVA / Moving Home Mortgages
Moving home mortgage advice
Review porting, a new mortgage and any extra borrowing with Steven before committing to your next home.
30-minute initial phone call · No cost · No pressure to proceed
Steven Cooper
Founder · MOVA Mortgages
- Check your existing mortgage
- Compare the whole moving cost
- Plan the next application
The MOVA panel
Mortgage lenders on our panel
- Halifax Intermediaries
- Nationwide for Intermediaries
- NatWest
- Barclays
- Santander
- HSBC
- Coventry
- Leeds Building Society
- Virgin Money
- Accord Mortgages
- Skipton Intermediaries
- TSB
- Bank of Ireland
- Aldermore Mortgages
- Kensington
- Pepper Money
- Bluestone Mortgages
- Foundation Homeloans
- The Mortgage Lender
- Vida Home Loans
- United Trust Bank
- West One
- Together
- Metro Bank
- MPowered Mortgages
- Gen H
- April Mortgages
- Afin Bank
- Bath Building Society
- Beverley Building Society
- Buckinghamshire Building Society
- Cambridge Building Society
- Chorley Building Society
- Clydesdale Bank
- Coutts
- Darlington Building Society
- Dudley Building Society
- Earl Shilton Building Society
- Ecology Building Society
- Family Building Society
- Furness Building Society
- Hanley Building Society
- Harpenden Building Society
- Hinckley & Rugby Building Society
- Hodge
- Leek Building Society
- Loughborough Building Society
- Mansfield Building Society
- Market Harborough
- Marsden Building Society
- Melton Building Society
- Newbury Building Society
- Newcastle Building Society
- Nottingham for Intermediaries
- Penrith Building Society
- Perenna Bank
- Post Office
- Principality Building Society
- Progressive Building Society
- Saffron for Intermediaries
- Scottish Building Society
- Scottish Widows Bank
- Stafford Building Society
- Suffolk Building Society
- Swansea Building Society
- Tandem Bank
- Teachers for Intermediaries
- The Co-Operative Bank for Intermediaries
- Tipton & Coseley Building Society
- Vernon Building Society
- West Brom Building Society
Compare your moving options
Keep the current deal, or start a new one?
We compare the total cost and timing of both routes, including any extra borrowing.
Arrange a new mortgage
Compare a new deal for the borrowing you need. Include early repayment charges on the current loan, product fees and legal costs.
What MOVA reviews: your current deal, equity after selling costs, purchase budget, additional borrowing and the timing of the chain.
Talk it through →Your current deal is the starting point.
Bring the current mortgage balance, rate, end date and any early repayment charge into the conversation. Keeping an existing deal may be worth exploring, but it is not automatically the most suitable route. We will also discuss how much extra borrowing, if any, your move needs.
Porting still needs a lender decision.
A portable mortgage may allow the existing deal to move to a different property. It is still subject to the lender’s assessment of you and the new home. Additional borrowing may have different rates or end dates, which can affect future decisions.
- Check the conditions if sale and purchase will complete on different dates.
- Look at the overall cost of each route, including any fees or early repayment charge.
Make the numbers work beyond completion.
Think about the monthly payment you would be comfortable maintaining in the new home, as well as the deposit you can put down. Legal fees, survey costs, removals and any applicable tax also need a place in your moving budget. Let Steven know about job changes or other commitments that may affect the application.
Your questions, answered
Your questions, answered
Have a question that is specific to you?
Can I keep my current mortgage deal?
Possibly, if it is portable and the lender agrees. Portability does not remove the need for affordability and property checks.
What if I need to borrow more?
Steven can help compare the available routes. Extra borrowing with your existing lender may be on a different product from the amount you port.
Should I speak to MOVA before making an offer?
An early discussion can help clarify your borrowing position and the questions to settle before committing to the move.
A practical next step
Plan your next move with Steven.
Bring your current mortgage details, an idea of your equity and your plans for the next property. You can start the conversation before putting your home on the market.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed.
