Home Movers

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Home Movers

Such an exciting event!
Your perfect new home deserves a Perfect Mortgage!
Is a new mortgage what you need, or should you transfer your current one?
Expert, simple advice is only a call away.

"Initial consultations are fee free and could be invaluable"

  • Someone once told me when I was training that “No one cares how much you know, unless they know how much you care.” That sums up Heritage for me. They have a wealth of experience and expertise, but the most important thing is that they genuinely care about you and your family. They always go that extra mile and treat you like they would want to be treated themselves. Mrs K – Solicitor
  • If you want to be sure you're getting the right advice, and need your mortgage arranged quickly and efficiently by experts, then I couldn't recommend Heritage highly enough.  The explanations are simple and they take all the hassle out of the process. On many occasions I've had reason to be extremely thankful for their advice.   Dr S – General Practitioner
  • What I love most about Heritage is their approach to protecting your mortgage and family. They talk everything through with you, make sure you understand and then present you with the best options. They never put pressure on you to do anything. Once you have their recommendations, it makes your decisions straightforward. You are treated as an old friend by a team with your best interests at heart. Mrs S - Teacher

What is a home mover mortgage?

A home mover mortgage is no different to a standard mortgage. It’s simply the process of getting a new mortgage when you are moving home so the mortgage is suitable for the house you’re moving into. Getting the right mortgage is crucial as you will need to ensure it is still affordable whilst suiting your changing needs.


  • Find out which lenders can lend the amount you need.

  • Get access to the latest mortgage rates and exclusive deals.

  • Get support and advice throughout the mortgage process.

We know that moving home often prompts a change in mortgage provider. You might need to borrow more. You might just want a better rate. Either way our expert advisers are on hand to help. We'll show you which lenders can lend you the amount needed, who can offer the best rate and what fees to expect from new and existing lenders when moving your mortgage. We'll even tell you if it's worth taking your existing mortgage with you to your new property.

How does a home mover mortgage work?

Mortgages for moving home are typically for people who are stepping up the property ladder and looking for a bigger home, and as a result are also looking to increase the size of their loan amount. Although some mortgages are ‘portable’, which means you can take your existing mortgage to your new home, others are not, requiring you to look for another option when moving home. You might also find that your current loan provider won’t allow you to borrow the additional amount necessary for you to move home.

Even if you aren’t looking to borrow more money, changing your mortgage when you move house, rather than transferring the current one over, can help to better suit your new circumstances and get you a better deal.

Early Repayment Charges (ERC)

The process of changing any mortgage to a different lender is classed as remortgaging. As with any remortgage, you should check whether there are penalties – also known as Early Repayment Charges – for ending your current agreement earlier than contracted. You should check if these exist on your current mortgage before considering changing your mortgage.

How Heritage Financial Planning can help with your Perfect Mortgage

We will take a look at your current mortgage and assess whether it is in your best interest to change to a new mortgage agreement or transfer your current one to your new property.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Heritage Financial Planning is a trade name of Milecross Financial Solutions Limited which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Milecross Financial Solutions Limited, 42 Milecross Road, Newtownards, Down, Northern Ireland, BT23 4SR, Company No. Ni601587. Financial Advice & Mortgages throughout Northern Ireland including Newry, Armagh, Banbridge, Portadown, Lisburn, Belfast, Bangor, Dungannon, Craigavon, Lurgan, Cookstown, Omagh and Ulster.