Home Movers
There’s no getting around it, moving home can be a bit of a whirlwind. Between selling, buying, packing boxes, and chasing updates, it can start to feel like a full-time job.
That’s where we come in.
At K and H Mortgages, we help make your move feel calmer and more manageable. We know how much there is to think about, and we’re here to take some of the weight off your shoulders – guiding you through every stage with clarity, patience, and a plan.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Home movers
What does moving home mean for your mortgage?
When you move, your current mortgage doesn’t automatically move with you – but it might be possible to “port” it. Porting simply means transferring your existing mortgage deal to your new property.
Sometimes this makes financial sense, especially if you’re on a great rate. Other times, switching might find the best deal available for your circumstances.
At K and H Mortgages, we’ll look at what you have now, compare what’s available across the whole market, and help you decide what’s most cost-effective and straightforward for your situation.
We’ll also explain how the equity from your current home (the value you’ve built up) can be used toward your next deposit, helping you plan with confidence.
Home Movers
Common situations we help with
- Porting your mortgage: If your current deal is still competitive, we’ll handle the process of moving it to your new home.
- Switching to a new lender: If there are better rates or more flexible options available, we’ll compare the market and help you switch smoothly.
- Upsizing or downsizing: We’ll help you make the most of your existing equity, whether you’re moving to a bigger space or freeing up funds.
How we will help you
We know how many questions come up when you’re buying your first home. That’s why we make things simple, personal and fully supported from start to finish.
Here’s what to expect when you work with us:
First chat
We start with a friendly conversation to understand your situation, your current mortgage and your goals for your next home.
Reviewing your current mortgage
We’ll look at your existing deal and explain your options clearly - whether that’s porting your current mortgage, switching to a new lender, or exploring something entirely different.
Agreement in Principle (AIP)
Once we know your budget, we’ll arrange an AIP so you’re ready to make an offer with confidence and move quickly when the right property comes up.
Coordinating the move
We handle the heavy lifting behind the scenes - speaking with your lender, estate agent, and solicitor to keep everyone aligned and things progressing on time.
Completion and beyond
Most moves take around 6–12 weeks, and we’ll be by your side from start to finish - making sure you’re informed, supported, and celebrating the day those keys change hands.
Home Movers
What you need to know
When you’re planning a move, it helps to know what to expect upfront. We’ll always explain things clearly so you can budget and plan with confidence.
Typical costs to budget for
Here’s what most home movers should factor in:
Stamp Duty – depending on your purchase price and circumstances
Valuation or survey – to check the property’s condition and value
Legal fees – for your solicitor’s work
Removal costs – if you’re hiring a moving company
Mortgage advice fee – we’ll explain this before you start
Our fee: All mortgage advice is free, but our fee of £400 will become payable on submission of an application to a lender.
How long does it take?
Every mortgage journey is different, but on average things complete within 6–12 weeks once your offer has been accepted.
Important information:
Your home may be repossessed if you do not keep up repayments on your mortgage.
Home Movers
Why work with us
Working with us gives you access to a wider range of lenders and products – not just one bank’s options. That means better chances of finding the right fit for your circumstances.
At K and H Mortgages, we are:
- Real people who care. We who understand what it’s like to make big life decisions – and we care deeply about helping you feel confident every step of the way.
Not going to confuse you with jargon. Everything is explained in plain English.
Not held to massive sales targets. We’re here to help you, not hit quotas.
Planning a move? Let’s make it smooth and stress-free.
Book a free chat with us today and we’ll review your current mortgage, explore your options, and guide you through your next move with confidence.