Home Mover Mortgages

Every mortgage application will require you to produce evidence to prove your income and outgoings. Check out the Money Advice Service's affordability calculator in order to work out approximately what you may be able to afford to borrow. Here they will take into account your monthly income and expenditure and give you an estimated figure on what a lender may consider.

BPS Mortgage Tip: Use the Money Advice Service's mortgage affordability calculator to get a clear idea of what you can comfortably borrow. Or ask us - we can help you work out what you can afford.

Deposits can vary from product to product and lender to lender. Expect to put down anywhere between 5% and 25%. Often, the amount of deposit required can affect which mortgage product you can choose. The golden rule is generally the bigger deposit you have, the more choice of mortgages you will have. Home movers may find that their deposit can be funded from any equity in their current home.

Our experience and market knowledge enable us to streamline the process by identifying the right lenders for you - saving time by applying only for the most appropriate products

If you're moving home, you should plan for costs such as valuation fees, stamp duty, solicitor's fees, survey costs, furnishing & decorating and buildings insurance.

The BPS team will guide you through any relevant costs and help you plan for these.

From finding your perfect home mover mortgage to picking up the keys, we're here to help:

• Establishing that you meet the criteria and affordability.
• Finding the perfect mortgage deal for you.
• Making the application process as easy and straightforward as possible.
• Liaising with your lender, solicitor and valuer throughout.
• Advice on insurance and protecting your new home, family and lifestyle.