Moving Home

Find the right mortgage for your new home

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Let our expert mortgage advisors take some of the stress out of moving home, by providing tailored advice and mortgage recommendations from over 70 lenders.

Buying a new home is likely to be the largest purchase you’ll ever make. Equally, it is likely to be the most complex – and when you’re moving, you’ll want to understand what budget you have for your new home and how that could impact your mortgage costs.

Our mortgage advisors will explain the options and advise you on the right mortgage for your specific needs, by searching over 70 lenders. Once you’re ready to apply, they can take care of your application – so you can concentrate on planning the move to your new home.

Step 1

Complete our quick form.

Step 2

Receive free mortgage advice on the best and most suitable mortgage for your situation.

Step 3

Apply for your perfect mortgage; your mortgage advisor will take care of the paperwork and keep you updated.

Get started by completing our quick form.

Did you know….

  • The amount you can borrow depends on your situation – including your income and any outgoings.
  • Stamp duty (or a ‘land tax’) may be payable on your new property. It has slightly different names and costs depending where in the UK you are. The amount you need to pay depends on how much your new home costs.
    You can check the current rates on these websites:
    – Stamp duty rates in England and Northern Ireland- visit website.
    – Land buildings Transaction Tax in Scotland – visit revenue Scotland website .
    – Land Transaction tax in Wales -visit website.
  • You can get instant online mortgage options in as little as 60 seconds with our online mortgage application, CalculateMy Mortgage. It combines an online mortgage search engine with our experience in financial advice, to help you understand the best mortgage options for you, anytime, anywhere.

Your home may be repossessed if you do not keep up repayments on your mortgage.

All our Mortgage & Protection Advisers work nationwide and have access to the whole of market.

Your questions answered

How much deposit do I need?

You’ll need a deposit of at least 5% of the property’s value to get mortgage.  However, a bigger deposit will give you more options and lower interest rates. Typically, interest rates will drop significantly on deposits of 25% or more.

What is stamp duty?

Stamp duty land tax (or Land and buildings transaction tax in Scotland) is a lump-sum tax that anyone buying a property or land costing more than a set amount has to pay.  The rate of tax you’ll pay depends on the price of the property itself.

You can use our stamp duty calculator to work out how much stamp duty you will have to pay on your property.

Stamp duty calculator

What government schemes are available?

  • Help to buy ISA For first time buyers, the government will boost your savings by 25% up to a maximum of £3,000 bonus per individual.
  • Help to buy scheme 2013 With a minimum deposit of 5% of the purchase price the government will assist with an interest free loan of up to 20% of the purchase price for the first 5 years.
  • Forces help to buy To enable members of the armed forces to borrow up to 50% of their annual salary to a maximum of £25,000 interest free to assist with a property purchase.
  • Shared ownership A scheme to allow people to buy only part of their property and rent the remainder, with the opportunity to buy more later.
  • Older peoples shared ownership Designed to assist people over the age of 55 buy a part of their property.
  • Home ownership for people with long-term disabilities (HOLD) Similar to shared ownership mortgages but adapted to cater for specific needs.

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