Moving Home
At David List Mortgage Consultants Ltd, we provide expert guidance on mortgages and costs, helping you make your next move with confidence.
Moving Home Mortgages
Whether you are upsizing, downsizing, or relocating, moving home often requires reviewing your mortgage options. Our advisers at David List Mortgage Consultants Ltd will guide you through every step of the process.
We can help you understand your mortgage portability options, assess whether keeping your existing property is feasible, and explain all the costs involved in purchasing a new home. From liaising with estate agents to reviewing your mortgage needs, our goal is to make your move as smooth and stress-free as possible.
FAQ's
Is my existing mortgage portable?
Many mortgages today are portable, allowing you to transfer your current mortgage to a new property, subject to lender approval and underwriting checks. Porting your mortgage can help you avoid early repayment charges.
Our advisers can help determine whether porting your current mortgage or taking a new one with a different lender is the best option for your circumstances.
Can I keep my existing property?
Yes. You may choose to keep your current home and rent it out (a “let to buy” scenario), or purchase a second residential property or holiday home.
Owning more than one property may affect additional costs such as stamp duty, so it’s important to review the financial implications. Our experts will provide guidance on budgeting and costs when managing multiple properties.
Am I too old to get a mortgage?
No matter your age, as long as you have a reliable income, we can help you find a suitable mortgage. By working with a wide range of lenders—including banks, building societies, mainstream lenders, and specialist lenders—we can access products suitable for borrowers at any stage of life.