Home movers
Home mover
mortgage brokers
Best home mover mortgage rates & deals
Fee-free for most cases. See when fees apply
We’ll search whole of market to find the best deal.
Or call 020 8090 2043
5.0 · 540 customer reviews
Rated 5.0 / 5
540
customer reviews
FCA authorised and regulated
Financial Services Register 925226
Access to 90+ lenders
Independent, not tied to any bank
Open 9am–9pm, seven days a week
Call 020 8090 2043 or WhatsApp us
Based in Brentford, West London
Local advice across London and beyond
How a fee-free broker gets paid
Fee-free
mortgage broker.
No broker fee for most cases.
When we arrange a mortgage, the lender pays us a commission, like all mortgage brokers. Most brokers charge their clients a fee on top, typically from £495 up to 1% of the loan. We choose not to, for most cases.
We are a fee-free broker for most cases. Fees may apply on complex cases, including adverse credit, company buy-to-let, visa applicants and loans under £250,000, and will always be confirmed in writing before you commit.
Other mortgage costs to be aware of.
Please note that lender arrangement fees, valuation fees and legal costs may still apply to your mortgage. We will always explain the full cost of any mortgage we recommend before you apply.
Today’s mortgage rates
Updated 22 October 2026
Lowest initial rates on our lender panel today, based on a £100,000 repayment mortgage over 25 years on a £200,000 property (50% loan to value).
Best home mover mortgage rates
| Lender and product | Initial rate | APRC |
|---|---|---|
| Furness Building Society Fixed for 24 months · £471 a month · £1,019 fees | 2.94% | 7.31% |
| Kensington Fixed for 24 months · £494 a month · £18 fees | 3.37% | 6.02% |
 Fixed until 31 Dec 2028 · £571 a month · £1,099 fees | 4.78% | 7.03% |
Representative example: a £100,000 repayment mortgage over 25 years with Furness Building Society at 2.94% fixed for 24 months, then 7.99% variable. 24 monthly payments of £471, fees £1,019. APRC 7.31%. The total amount payable is shown with the full product details.
All home mover ratesAs a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments.
Rates change and what you’re offered depends on your circumstances. Lender fees may apply; a broker fee only in the cases explained above. These examples are not an offer of credit.
APRC is the annual percentage rate of charge: the overall cost of the mortgage over its full term, including fees, shown as a yearly rate. Compare it alongside the initial rate and the fees.
Monthly payment
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- Total payment
- £0
- Total interest
- £0
Results are indication only and subject to full financial underwriting and satisfactory property valuation.
Mortgage calculators
Home mover calculator
Calculate monthly payments
Monthly payment
£0
- Total payment
- £0
- Total interest
- £0
Results are indication only and subject to full financial underwriting and satisfactory property valuation.
As a mortgage is secured against your home, it may be repossessed if you do not keep up the mortgage repayments.
Meet Milton and the team
A mortgage is personal.
Your advice should be too.
You’ll deal with a small team who take the time to understand your circumstances. We pride ourselves on the close relationships we build with each and every client, from the first conversation to your mortgage offer and beyond.
- Advice shaped around your circumstances
- Help with the application and paperwork
- Someone to speak to, 9am to 9pm, seven days a week
There’s more to a mortgage
than the headline rate.
A bank can only recommend its own mortgages. We compare options from 90+ lenders, weighing up the fees, criteria and flexibility that matter for your circumstances, not just the advertised rate.
Some of the lenders we work with
Advice, not just a comparison
We recommend suitable options, explain why, and handle the application and paperwork with you.
Staying put can be the right call
If your current lender’s deal is the best fit, we’ll say so. We’ll even submit your remortgage with your existing lender at no cost if we can’t find you a better deal.
A selection of recent reviews
Different circumstances.
The same five stars.
Reviews.io “Simply the Best ! ⭐⭐⭐⭐⭐ Miracle Workers! Saved Me Thousands a Month I cannot thank Nelson and Milton at MariannaFS enough for their incredible help with my recent remortgage. I had a highly complex case with significant debt, and other avenues felt completely blocked. Honestly, I didn't think getting a good rate would be possible, but Nelson and Milton took on the challenge without hesitation. They worked tirelessly to navigate my difficult situation and managed to secure a fantastic 5.36% rate, completely saving me from the 8.9% I was facing elsewhere. The communication was stellar throughout, and they treated my case with the utmost professionalism and zero judgment. They have completely changed my financial outlook, and I highly recommend them to anyone—especially if you think your case is "too difficult" for a mortgage!”
M F
Read the full review
23 October 2026- Reviews.io
“I am very happy with the mortgage service I received. The team was helpful, professional, and supportive throughout the process. They made everything easier to understand and guided me at every step. Thank you for the excellent service. I would definitely recommend them to others.”
Dominic
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17 October 2026 - Reviews.io
“Remortgage process went very smoothly and very excellent service ice”
Venkkta R
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13 October 2026 - Reviews.io
“MariannaFs offers excellent customer service and I would highly recommend them to anyone looking for the right mortgage. Their professionalism and support make the whole process much easier.”
Hanna K
Read the full review
12 October 2026 - Reviews.io
“As first-time buyers, I discovered Mariana FS through social media, Milton and Nelson were professional, approachable, and incredibly supportive throughout our mortgage journey. They patiently explained any fees, payments structure and mortgage options, ensuring we felt informed and comfortable every step of the way. The transparency, expertise, and genuine willingness to help us find the right lender made what could have been a stressful process feel smooth and manageable. We always felt valued, supported, and in safe hands. We would highly recommend Mariana Financial Services to anyone looking for a reliable, trustworthy, and customer-focused mortgage broker, especially first-time buyers seeking honest advice and exceptional service.”
Dias L
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6 October 2026 - Reviews.io
“Excellent service from Marianna FS on the remortgage of my properties. The team was quick, transparent and responsive throughout, and they got me a great deal. Highly recommended!”
Amit M
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24 September 2026 - Reviews.io
“The whole team at MariannaFS have been absolutely fantastic to work with. Milton, Nelson and Jeanal were really supportive, helpful and patient throughout the whole mortgage and home purchase process. We got good info along the way about mortgage process, different product offers and also genuine guidance in helping us decide on the right offer that met our needs. The team also helped us with recommending solicitor, surveyor and mortgage insurance which made the entire process stress free for us. Thanks to the entire team at MariannaFS!”
Glenn
Read the full review
17 September 2026 
Google “Excellent Support Throughout a Very Complex Remortgage I would highly recommend Mariana. My remortgage was far from straightforward and involved a number of unusual and complicated issues which took several months to resolve. Throughout the whole process, Mariana was patient, responsive and supportive. Even when things became difficult and time-sensitive, she continued to follow up and work with me until we finally reached the finishing line. I particularly appreciated that she stayed involved throughout such a long and challenging case rather than simply giving up when complications arose. Thank you, Mariana, for all your help, patience and support. Five stars and very well deserved.”
Jhino P
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4 September 2026- Reviews.io
“I and my husband had a great experience with Marianna Financial Services as a first-time homebuyer. Milton & his team especially Jenal & Nelson was helpful, patient, and always happy to answer my questions. They made the whole mortgage process easier and gave us the confidence along the way. I’m really happy with the service and would definitely recommend them to everyone. To be honest it’s a very trustworthy company to go with. May grow much bigger.”
Anthea F
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29 August 2026 - Reviews.io
“MatiannaFS are Specialist in mortgage advice for the self-employed. Being turn down by big broker firm I found Mariannafs as local mortgage broker in Ealing. Milton and team have the expertise to find a mortgage for me as sole trader and limited company. I would highly recommended them to anyone need mortgage advice .”
Panagiotis A
Read the full review
12 August 2026
Home mover questions
Key things about
home mover mortgage
Ask us directly. We answer questions all week, 9am to 9pm.
The basics
What is a home mover mortgage?
To put it simply, a home mover mortgage is the process of getting a new mortgage when you relocate to a higher or lower valued house or change your mortgage provider.
What about my current home mortgage?
If you apply for a new mortgage on a new property and not selling your current home, you will have two options to think about.
You can request your current lender to provide you with a Consent to Let, which will allow you to let your property for a limited time. Remember that this is a short-term solution.
Alternatively, you can remortgage your current home to a buy-to-let mortgage. This means you can let out the current property once a new mortgage is complete. With the buy-to-let option, you may be able to raise some money for a new property purchase, depending on house value, loan amount and achievable rent.
How can a mortgage broker help me?
When moving home, the first thing you need to do is to find out your mortgage options. Can you take the current mortgage to your new property? How much loan can you afford? Is it worth applying for a new mortgage or taking the current mortgage to the new property?
When you go to a high street bank, the bank may show you only mortgages available through them, and you don't know if you fit their lending criteria. Experienced mortgage advisors, on the other hand, have access to whole market mortgage products that meet your needs. In addition, a mortgage broker can explore all the options, advise you on the right mortgage and talk you through the whole process of you mortgage application from start to finish.
Your options
What Cost involve with home move?
Higher stamp duty? is payable if you choose to keep your current residential home as buy to let. Always check the stamp duty calculator.
Early repayment charges: if you break your mortgage to move home you may have to pay this fee. Your mortgage broker can help you to save this fee.
Mortgage broker fees: Mortgage broker charges are payable for arranging the mortgage. We are a fee-free broker for most cases. Fees may apply on complex cases, including adverse credit, company buy-to-let, visa applicants and loans under £250,000, and will always be confirmed in writing before you commit.
Solicitor fees: You will need a solicitor to deal with legal matter of property purchase.
Removal cost: you may need a removal company to relocate your home. Always consider these charges as they can be big bill to pay.
020 8090 2043
Open 9am–9pm, seven days a week
A little clarity
goes a long way.
Explore all mortgage guides -
Home Mover Guide
Whether you are moving to a bigger property or downgrading to smaller property, moving home can be a busy and stressful time — and mortgage is the first thing you will worry about. Our experienced advisors will find the best value home mover mortgage for your needs and seamlessly move your mortgage to your new property. so that you can relax and focus on turning your new house into a home.
Read the guide -
Buy to Let Mortgages Explained
A buy-to-let mortgage is designed for landlords who want to purchase a property to rent out to tenants.
Read the guide -
Self Employed Mortgages
Getting a mortgage when self-employed is possible, but lenders need proof of your income over at least two years.
Read the guide
More answers to common questions
- What Is A Specialist Mortgage?Discover what a specialist mortgage is, who it’s for, and how rates, deposits and eligibility work. Find out how brokers can help with complex cases.
- Do you need a deposit to remortgage?While remortgaging generally does not require a deposit, you will still need to meet the lender's criteria.
- Mortgages For ContractorsGetting a mortgage as a contractor can be challenging, but there are specialist lenders who understand contractor income.
- Mortgages For Foreign NationalsForeign nationals can obtain mortgages in the UK, though requirements vary depending on visa status and residency history.
- Remortgaging GuideRemortgaging means switching your existing mortgage to a new deal, either with your current lender or a new one.
- Bad Credit MortgagesHaving bad credit doesn't necessarily mean you can't get a mortgage. There are specialist lenders who may be able to help.
- How Much Can I Borrow?The amount you can borrow depends on your income, outgoings, credit history, and the size of your deposit.
- First Time Buyer GuideBuying your first home is an exciting milestone. Our guide walks you through the entire process step by step.
- Explore all mortgage FAQs
Looking for advice near you? Find a mortgage broker near you.
Ready to begin?
Tell us a little about your plans and our expert broker will be in touch shortly. We’ll explain your options, and any fees, before you commit to anything.
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