Mortgage advice for your next move

Practical support with porting, borrowing more, timing the move and keeping the mortgage side organised while the property chain progresses.

Start an enquiry Compare services

Overview

Keep the mortgage side organised while you move

Moving home often means balancing several decisions at once. You may need to sell your current property, check whether your existing mortgage can be ported, decide if you need to borrow more, and keep the timings aligned with the wider chain. AJM can review the options, explain the likely lender checks, and help you understand whether staying with your current lender or arranging a new mortgage is the more suitable route.

Before you apply

What to understand and prepare

Key points

Whether your existing mortgage is portable and whether the lender will reassess affordability.
If early repayment charges apply and how they affect the timing of your move.
How much extra borrowing is needed after sale proceeds, deposit and moving costs.
Whether the new property type, location or condition affects lender choice.

Documents that may help

Current mortgage statement and details of any early repayment charge.
Estate agent memorandum of sale when available.
Income documents, bank statements and expected deposit from the sale.

How AJM helps

Porting checks
New borrowing comparisons
Keeping estate agent and lender steps joined up

Practical guidance

Common questions about home mover mortgages

Can I take my current mortgage to the new property?

Possibly. Porting depends on your lender rules, the new property, the amount you need to borrow and an updated affordability assessment.

What if the sale and purchase dates change?

Property chains can move. AJM can help you keep the lender and mortgage timeline in view while your solicitor and estate agent manage the legal steps.

When should I speak to AJM?

If you are unsure which route fits, AJM can review the basics and point you towards the next sensible step.