Skip to content

Home Movers

Are you looking to move to your next property?

Contact Us

Are you looking to move to your next property?

Whether it be upsize, downsize or just because you fancy a change…. We can help. There are lots of mortgage options when looking to move to your next home and we can help!

Terms. Loan to Value (LTV) and Fixed and Variable rates. Moving home again may be daunting but it needn’t be with our help. Let us translate the technical talk so you can decide what you need before you call us.

What do we mean by mortgage?

Simply speaking, a mortgage is a loan to buy a property. It’s a loan that can typically last between 25 – 30 years (although 35-year mortgages are available) depending on your circumstances. And it’s a loan ‘secured’ against the value of the property…so if you fail to repay your monthly payments your home may be repossessed.

How much you can borrow will depend on your income, your outgoings and what you can afford to pay back to your lender each month.

For home movers there are many different types of ‘repayment’ mortgages on the market. If you are still in a fixed rate mortgage you may even consider porting that mortgage onto a new property.

Now let’s consider rates. It’s not just the percentage rate you need to think about, it’s also the Loan to Value (LTV). This is simply the ratio of equity you own in the property. For example, if you have a 10% deposit would be 90% LTV.

You could choose from a Fixed Rate, Variable Rate, Base Rate Tracker or Offset Mortgage.

Mortgage types explained

Mortgage Calculator

Our Clients' Reviews

Contact us

    to discuss it through. Many thanks!