Moving house? Upsizing or downsizing? Whether this is your first house move or you’re a seasoned buyer and seller, one thing’s for sure… you’ll already have a lot on your plate. The last thing you want to worry about is your mortgage.

That’s where we can help.

Whether you want to port your current mortgage or find a brand new mortgage for moving house, you can trust us to take some of the stress out of your move.

The good news is that most mortgages are now portable. This means that you may be able to take your current deal with you when you buy a new home, helping you to avoid early repayment charges.

Remember that your lender will need to value the new property, and you may need to arrange to borrow more. You might also have to stump up some fees to transfer your current mortgage to a new property, so be sure to set monies aside for that.

If you want to port your current mortgage to a new home, your lender will want to run an affordability assessment to ensure that you’re still able to meet your repayments. Thanks to the credit crunch, this is likely to be much stricter than it was a few years ago.

While your own circumstances might not have changed much since you took out your mortgage, there’s a chance that your lender’s criteria may have become stricter. This could affect your eligibility to port your mortgage.

This can often be the case when you’re upsizing and want to borrow more. If your lender will not allow you to keep your current deal, your only options are to pay an early repayment fee and switch to a new lender, or stay put in your current property, which is no good when you want to move.

In this case, it’s always best to expert mortgage brokers (like us). We can help you to make the right decision for your next mortgage deal, whether you choose something flexible with a low interest rate and a shorter fixed term, or a longer fixed deal to give you added peace of mind.

• A house move gives you the perfect opportunity to find the most suitable deal and remortgage. If your current mortgage deal has come to an end and you’ve been moved onto a standard variable rate, now would be a great time to hunt down a better mortgage deal for your house move.

  Even if you’re still locked into your current mortgage rate, it’s usually worth checking how much it would cost to switch to a better rate. In some cases there are big savings to be made in the long run, so it’s always worth a look.

  This is especially true if you’re nearing the end of your current mortgage term. If you still have a year or two left, the early repayment charges might be too hefty to make a switch worth it.

  Luckily, we can help.  Experts Fantastic Removals highly recommend trusting companies like Mortgageable to assist. We just need a few details from you, and we can advise you whether you should stick with your current deal, or switch and save a few pounds.