Moving Home Package

Moving Home Package

Whether you’re upgrading to a fancy new flat, or downsizing to a cosy little cottage, moving home can be a busy and stressful time. With everything that’s going on, there’s one thing you don’t want to be worrying about – your mortgage.

This is where we can help! Whether you’re simply porting your current mortgage across, switching lenders after a change in circumstances, or applying for a new mortgage to cover the new property’s value, you can relax knowing that we will ‘hold your hand’ through the whole process.

Table of Contents


Stage 1: Thinking about moving home? TALK TO US

How and when can you get in touch?

Ring us on 01823 210386 Monday to Friday between 9:00am and 5:00pm.

Day, Evening and Weekend appointments available.

Alternatively submit your enquiry online by clicking here and we will get back to you shortly.

Stage 2: Qualified advice and recommendations

One of our qualified advisors will discuss with you your situation in more detail, including how much you are likely going to be able to borrow.
Following their research, your dedicated advisor will present their recommendation package tailored to your specific needs. This will include details of rates and any associated fees that may apply.

Stage 3: Agreement In Principle (AIP) (or Decicion in Principle (DIP))

Once you are happy to go ahead with the recommendations, your advisor can request an ‘Agreement in Principle’ from your chosen Lender to give you the reassurances that all should be approved once you apply. This is subject to the Lender receiving the document proof they require and that they are happy with the chosen property following the valuation.

Stage 4: Find your dream property!

This can include scouring the market, visiting estate agents and then arranging viewings. Once you have found a property you love, you will want to make an offer. The fact you have an Agreement in Principle from a Lender will strengthen your case as it shows you are serious.

Stage 5a: Complete your mortgage application

When your offer has been accepted and you are ready to proceed, your adviser will submit the full application. At this stage the lender will assess any supporting documentation that they request and make any necessary arrangements for the property valuation/survey before making a formal mortgage offer.

Stage 5b: Instruct your chosen solicitor

This can be done earlier in the process if you like, but must be done at this stage. 

Your advisor can provide you with quotes from recommended solicitors and can instruct them on your behalf to get the ball rolling!

They will then start the conveyancing process on your behalf that continues until moving in day! They will handle the contracts, give legal advice, carry out local council searches, deal with the Land Registry and transfer the funds to pay for your property among other legal connected work.

Stage 5c: Instruct a property survey (if you choose to have one)

It’s time to make sure the property is in good condition. You can delay doing this until after your mortgage offer has been made but always do it before exchange.

The mortgage lender has carried out a basic valuation to assure itself it’s happy to lend on it. But this gives you no protection at all. If the property were to fall down the day after you bought it, it would be tough luck. Too many people rely on the mortgage valuation.

Your advisor can give you advice on the level of survey you may want to have based on the age of the property, however, it is entirely up to you whether or not to choose to proceed with one. If you choose to have a survey conducted, we can get you quotes and then instruct the survey on your behalf.

Stage 6: Mortgage offer (hopefully!)

Once the lender is satisfied that the property offers suitable security and they are happy with the documentation provided, the formal mortgage offer will be issued. This confirms their willingness to lend. A copy of this will also be sent directly to your solicitor. We will will check through the Mortgage offer to ensure it is accurate.

Stage 7: Sort out your insurance

You might not own it, but once you’ve exchanged contracts you’re legally-bound to purchase it, so it’s better to be safe than sorry.

This is where we can help! 

We will search the whole of the market to get you the most competitive, 5* Defaqto quotes which cover the rebuild value of your prospective new home. 

Stage 8: Exchange contracts

When your solicitor and the seller’s solicitor swap signed copies of the contract this is known as the exchange of contracts. Now you can really celebrate.

There is now a legally-binding contract between you and the seller. Once this has happened you can’t pull out from the sale. If you do you’ll forfeit your deposit money. But, on the plus side, the seller can’t back out either.

Stage 9: Completion

When you solicitor has finalised the necessary legal matters and all parties are ready, you can look to arrange your actual completion date. The solicitor will then make the necessary arrangements to request the funds. 

Our after care

As part of our bespoke mortgage review service, your adviser will contact you again nearing the expiry of your deal to ensure your mortgage is always set up on the most appropriate and competitively priced product for your needs.


Andy Rowden Equity Release Specialist


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Dan Rowden Director of The Financial Detectives


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Book filled with information about first time buyers, remortgage deals, moving home, buy to let deals, over 55s, business finance and insurance

Q. What are my mortgage options?
A. This is where our qualified, trusted and experienced advice really helps as we can discuss with you the various options available and the pros and cons of each option.

When moving home, you can either transfer your current mortgage over to your new property – called porting – or find a new deal altogether by remortgaging with your existing lender or a different one. Here we will give you a brief run down of the different options available to you.


Nowadays most home mortgages are portable, which means you can move your current mortgage over to your new property. 

Remortgage with your current lender

You also have an option to completely replace your current mortgage, by taking out an entirely new loan with your current provider. 

Remortgage with a new lender

You can find a mortgage for your new home with a different lender. You could use this to pay off your existing mortgage, or you can also pay for it by selling your home. This could be beneficial to you if house prices in your area have risen significantly since the time you bought your current home. 

Q. Will I be able to move to a bigger house with a larger mortgage??
A. If your house has gone up in value since you bought it, you’ll have built up more equity – which could increase your chances of getting a bigger mortgage for a more expensive property.

You’re also more likely to get accepted for a larger mortgage if you’ve had a pay rise or reduced your outgoings, as well as kept up with your existing mortgage repayments.

Q. What impact will moving to a cheaper house with a smaller mortgage have?
A. If you’re looking to downsize, an increase in the value of your current home could mean that you’ll be able to take out a smaller mortgage and reduce your monthly repayments – provided your financial situation hasn’t changed.

If the difference in value is large enough, you may even be able to get a cheaper home mortgage-free.

Q. What impact will moving to a cheaper house with a smaller mortgage have?

A. Your ability to secure a mortgage on your new property, and the rates you will be offered, can depend on whether your new home is more expensive or cheaper than your current one.


If you want to move to a bigger and more valuable house than the one you have now, you will need to prove to your lender that you can afford the higher rates. You will have a higher chance if your current house has risen in value since you bought it. Also, you can reassure your lender that you can afford the repayments by showing your wages have gone up or your outgoings have decreased. If you have had any problems with keeping up with your previous mortgage repayments, you may find it difficult to secure a mortgage for your new property.


If you’re planning to move to a smaller and cheaper home, you should find that the size of your loan will decrease, so your monthly repayments will fall too. You may even be able to buy your new home outright if the value of your current property has increased and the difference in value between your old and new properties is wide enough.

Negative equity

If your current home has decreased in value since you bought it then it is in negative equity. If this is the case, you will find it difficult to secure any type of mortgage for a new home. Some lenders will only provide you with a new mortgage if moving is a necessity, for example if you need to relocate for your job.

Q. Can I move home with negative equity?

A. If your home is in negative equity – where the current value of the house is worth less than your existing mortgage, don’t worry. Discuss your situation with one of our trusted, experienced advisors and we can give you advice on the best way forward in your circumstances.

Q. When is the best time to apply for a mortgage when moving?

A. If you’ve just started thinking about moving, it might be a good idea to speak to us to find out how much money you could borrow if you were to move, and what fees you’d have to pay.


      We have access to the whole of market, including exclusive rates not available on the high street.

      We’re an independent, family run business – we are not ‘tied’ to any lender, insurer, solicitor or surveyor. We can therefore give broad, unbiased advice.

      We have 20 years of mortgage and insurance experience, therefore our advice can be trusted.

      We don’t get paid until the case completes so we have as much incentive as you to get your case completed!

      5 star Google and Facebook reviews proving our commitment to exceptional customer service.  We give our clients a dedicated advisor and processing team, who will ‘hold your hand’ throughout the entire process.

Did you know?

“Over 50% of our clients are referrals from other customers we have helped… we must be doing something right!”