Moving house is a series of linked decisions. We make each one add up.
From selling your current home to picking the right mortgage for the next, we help you time the finance around the chain so nothing is left to chance.
Porting your existing mortgage
Keep your current rate and terms when you move, if your lender allows it. We compare the true cost against remortgaging to a new lender.
Selling before buying
Moving into rented short-term or staying with family to become a cash buyer can strengthen your position. We model the cost and the negotiating advantage.
Buying before selling
Found your next home before a buyer is found for yours? We look at let-to-buy, bridging and lender retention options so you do not miss out.
Bridging & short-term finance
When you have found the next home before the sale completes, a bridging loan can remove the chain — but only if the exit route is clear.
Deposit from equity
We help you release equity from the sale in time for the purchase deposit, without over-stretching the new mortgage.
Stamp duty timing
Second-property surcharge, main residence relief, and how joint ownership or a linked sale can affect the tax bill.
Rate locks and deadlines
Secure a new rate up to six months before completion. If rates fall, we re-broker; if they rise, you are protected.
Chain management
We coordinate with solicitors and estate agents so mortgage offer, survey and exchange dates line up and the chain holds.
Free download
The Home Mover Guide
Porting, remortgaging, bridging, stamp duty and chain management — a plain-English handbook.
Important — bridging finance
Most bridging loans and let-to-buy arrangements taken for business or investment purposes are not regulated by the Financial Conduct Authority. Where a bridging loan is secured on a property you live in or intend to live in, it is a regulated mortgage contract and carries the full protections of regulated advice, including access to the Financial Ombudsman Service and the Financial Services Compensation Scheme. Bridging is short-term, higher-cost borrowing and is only suitable where there is a clear, evidenced exit route. We will tell you clearly which category your case falls into before you commit, and your home may be repossessed if you do not keep up repayments.
Target market
This service is designed for UK-resident consumers aged 18+ who are moving home and need regulated first-charge residential mortgage advice on a new property they will live in. It is suitable for buyers who already own a residential property and are selling, buying, or both simultaneously. It is not intended for commercial purchases, buy-to-let investment, or applicants who cannot evidence lawful UK residency or a viable exit from their current property.
What if your mortgage was solved, not sold?
Book a no-obligation fact-finding call with a qualified adviser. We’ll search the whole market and come back with a fully costed recommendation.