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Moving home made easier
At Wesleyan Financial Services, we can make your next move that little bit easier – whether you need more space for your growing family or you’re looking to downsize.
That begins with finding you a great mortgage deal on your new home. Whether you're thinking about transferring your existing mortgage to your new property or you're looking for a brand new deal, our Specialist Mortgage Advisers are here to support you every step of the way.
- Access exclusive mortgage deals and rates for your new home
- Get expert advice on your mortgage options
- Benefit from professional mortgages tailored to you
- Let us compare deals from a range of providers, saving you time and effort
Always remember your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments.
Wesleyan Financial Services (WFS) provides broker and advice services. WFS is paid a fee by the lender upon completion of the loan. Product fees may be payable to the lender.
What are your moving home mortgage options?
Keep your existing mortgage
Many mortgages are 'portable', which means you may be able to transfer your current mortgage to your new property. Bear in mind that you will still need to reapply, meet your lender's criteria and get their consent. Your new property will also need to meet their requirements.
Keep your current deal and borrow more
If you're moving into a more expensive property, you may be able to borrow more money if you're not already close to the maximum amount your provider will lend. This could mean that you'll have a multi-part mortgage and the additional funds may need to be repaid over a different term.
Switch to a new mortgage rate
If your circumstances have changed (for example, you've become self-employed) or your lender has new criteria, you may not be accepted to port your mortgage and will have to apply for a new rate instead. This may mean paying an early repayment charge on your current balance.
What our customers say
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Mortgage adviser has been an absolute star
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Mortgage adviser at the Wesleyan
Three reasons to get your mortgage through us…
Tailored deals
Doctors, teachers and dentists can often benefit from a professional mortgage. Save money with tailored deals from specialist lenders.
Impartial advice
We can advise you on whether porting your mortgage is the best option for you. If not, we'll find a solution that works for your personal circumstances.
Support at every step
We know mortgage applications can be stressful. That’s why we’re here for you at every step. Even after your mortgage is in place, we can help you protect it.
Frequently asked questions
When you move house, you can either transfer your current mortgage to your new property (known as ‘porting’) or find a brand-new deal instead.
If you decide to look for a new deal, you can remortgage with your existing lender or choose a different one. However, if you choose to remortgage with a new lender, you may incur early repayment charges.
Use our stamp duty calculator to work out how much tax you may need to pay on your property.
Wondering how much Stamp Duty you’ll need to pay?
If you're moving into a residential property over a certain price, you may need to pay Stamp Duty tax.
The amount of tax you pay will vary depending on where you live. To work out how much tax you may need to pay on your new home, use our free Stamp Duty calculators below.
Stamp Duty Land Tax calculator
If you're a UK resident planning on buying residential property in England or Northern Ireland, work out how much tax you might pay using our Stamp Duty calculator.
Land Transaction Tax calculator
Are you a UK resident looking to buy property in Wales? Use our free Land Transaction Tax calculator to work out how much tax you might have to pay.
Land and Buildings Transaction Tax calculator
If you're looking to buy residential property in Scotland, use our Land and Buildings Transaction Tax calculator to work out how much you might have to pay.
You might also be interested in…
Fees to watch out for when buying a house
When you’re saving for a new home, there’s more to consider than your deposit. From solicitors’ fees to buildings insurance, here’s what else you might need to save for.
Stamp duty explained
Are you buying a residential property or piece of land in England or Northern Ireland? If so, you may have to pay stamp duty tax. Learn more in our guide.