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.

In this guide we cover,

What is home mover mortgage

Current mortgage options

Should I use the broker?

What is a home mover mortgage?

In simple words, 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 are the options available?

If you will keep your current home or if you need a new mortgage on a new property, you will have few options to think about.

1. Porting Your Existing Mortgage

Most of the mortgages are portable and allow you to move your current mortgage over to your new property.

However, you would still be required to go through the conventional application process.

2. Consent to let from same lender or let to buy.

If you choose to keep your current home to rent it out, you can choose to get consent to let from existing lender without changing your lender.

This would involve keeping the same mortgage terms and rate but get the lender permission to rent your property for limited time.

If consent to let option is not available or does not suit your requirement, you can remortgage as let to buy.

3. Mortgage with new lender

If porting options not available, you can get a new mortgage from another lender.

We offer free mortgage advice, speak to us about the options you may have.

Cost with home move

If you are thinking of moving home, you should be aware of the cost involve with it.

We have listed some of the major cost involves in moving home.

1. Higher stamp duty: higher stamp duty is payable if you choose to keep your current residential home as buy to let. Always check the stamp duty calculator.

2. Early repayment charges: If you break your mortgage to move home you may have to pay early repayment charges. Your mortgage broker can help you to save this fee.

3. Mortgage broker fees: Mortgage broker charges are payable for arranging the mortgage.
We offer fee free advice and do not charge fees to arrange your mortgage.

4. Solicitor fees: You will need a solicitor to deal with legal matter of property purchase.

5. Removal cost: you may need a removal company to relocate your home.
Always consider these charges as it could be a big bill to pay.

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 the high street banks, they will show you only mortgages available through them, and you wouldn’t if you fit into 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.

Our experienced mortgage broker will submit a full mortgage application.

Deals with all the lender enquiries while keeping you updated.

What Our Clients Say

27 May 2026

Great Service, very responsive

Great Service, very responsive - helped us in securing a very good mortgage!

Lisa Sophie

23 May 2026

Amazing Service

Amazing Service and very efficient, would recommend for any financial and mortgage advice

Nalika A

8 Apr 2026

Mortage Offer Secured!

Great job with helping us securing a mortgage. The MariannaFS Team done great, effectively answered all queries and supported me throughout the whole process.

B Kemal

7 Feb 2026

This was my first time dealing with…

This was my first time dealing with MarinnaFS, and the experience was excellent. Mr Milton handled my case and provided a very professional service throughout. He was always proactive, understood my busy schedule, and kept me informed at every stage of the process. Even when I couldn’t follow up due to work commitments, he ensured I was fully updated and supported. I really appreciated his professionalism, reliability, and attention to detail.

Sal Kh

17 Jan 2026

Supportive and helpful

The team at MariannaFS was fantastic. As a first time buyer, the process itself can be overwhelming and stressful, however getting my mortgage in place has made everything else go by smoothly. Throughout, the team was very caring and attentive, and would always answer any questions I had. Thank you so much to Milton and Jeanal for all your help. Would highly recommend to anyone!

Angelica Di Domenico Charry

8 Nov 2025

Great experience

Great experience with Marianna Financial! Nelson was very professional and extremely informative throughout the entire process. His quick responses and regular checks kept me in the loop every step of the way, making everything smooth and easy to understand. I couldn’t recommend them enough — thank you so much, Nelson!

Eric

30 Sep 2025

As a first time buyer we were re…

As a first time buyer we were referred to MariannaFS. Milton and his colleagues have been incredibly supportive during the process. We are very happy with their support and services. I am very confident in that they always do an excellent job. Highly recommend their services

Bahman Tahir

29 Aug 2025

Milton has been an incredible he…

Milton has been an incredible help to our entire family with property advice and mortgage support over these months. He’s knowledge, honesty, and dedication truly set them apart. Every experience has been smooth and stress-free, and we always felt well looked after. We’re so grateful for their support and wouldn’t hesitate to recommend them to anyone looking for expert mortgage advice. Thank you

Cruz

1 Jul 2025

I had a great service from Milto…

I had a great service from Milton. My case was a difficult one, but he managed to get a mortgage offer for me as he promised. I was so nervous about going through the whole process by myself, but thanks to Milton's calm and professional attitude, it went all smoothly. I cannot recommend highly enough for his service.

Mioko Fujisaki

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