- Home
- Moving Home Mortgages
At Capricorn, we provide expert guidance throughout the entire process, ensuring you make informed choices about your lending options and secure the right mortgage for your new home.
Reviewing your existing mortgage
If you already have a mortgage, the first step is understanding whether it can move with you. Many lenders allow you to port your existing mortgage to a new property, but the rules can be complex. We can review all of this for you:
- We liaise with your existing lender on your behalf, so you don’t have to navigate call centres or long wait times.
- We confirm whether your current mortgage is portable, and if so, what additional borrowing you may be eligible for.
- We evaluate fees, early repayment charges, top-up rates and any restrictions that might affect your move.
Exploring your mortgage options
Even if your existing lender is willing to port your mortgage, it won’t always be the most suitable or flexible option for your new home. That’s why we compare your current deal against available lender options. We assess:
- Interest rates and product fees
- Loan-to-value requirements for your new property
- Affordability criteria and income assessments
- Product features, flexibility and potential future costs
If a more suitable option exists elsewhere, we’ll identify it and walk you through every detail so you can choose with confidence.
Putting the right mortgage in place
If switching lenders is the best route, we’ll take care of everything required to secure a new mortgage for your onward purchase. This includes:
- Helping you determine your maximum borrowing capacity
- Guiding you through deposit requirements and equity transfer from your sale
- Packaging your application to suit your chosen lender
- Managing the process from agreement in principle to completion
- Working closely with your estate agent and solicitor to keep your move on track
Confidence in every decision
Moving home is complex. Our advisers navigate lender policies and market nuances to secure a mortgage that fits your circumstances and long-term goals. Please note that some Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.