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Get a mortgage

Getting the right mortgage for your move

With access to mortgage deals from a range of leading lenders, Wesleyan Financial Services can take the stress out of your next house move. Whether you need more space for your growing family or you’re looking to downsize, we’ll find the right offer for you. And we’ll manage your application every step of the way.

  • Access mortgage deals and rates for your new home that you can’t get on the high street 
  • Get fee-free* advice on your moving home mortgage options 
  • Benefit from professional mortgages tailored to your circumstances 
  • Take advantage of expert knowledge from our team of mortgage advisers 

Always remember your mortgage is secured on your home. Your home may be repossessed if you do not keep up repayments.

*Wesleyan Financial Services provides broker and advice services. Wesleyan Financial Services is paid a fee by the lender upon completion of the loan. Product fees may be payable to the lender.

Moving home made easier

Moving house doesn't have to be stressful. At Wesleyan Financial Services, we can make your next move that little bit easier, taking you through the whole mortgage process from start to finish.

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.

Your mortgage options...

There are a number of options to consider when it comes to moving home - from 'porting' your existing mortgage to switching to a new rate.

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.

If you're wondering which option is best for you, get in touch with our mortgage team today.

Three reasons to get your mortgage through us…

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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.

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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

  • What is a home-mover mortgage?
    A home-mover mortgage is no different to a regular mortgage. It’s simply the process of applying for a new mortgage that is suitable for the property you’re moving into. This is why finding the right mortgage for your changing needs is so important.
  • How do mortgages work when you move house?

    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.

  • How do deposits work when moving house?
    If you’ve built up equity in your current property, you can use this as part or all of your deposit towards your next one.
  • How much does it cost to move house?
    The average cost of moving home in the UK is £11,177, but this amount can vary depending on where you live. This figure includes typical costs associated with moving home, including stamp duty tax, legal fees, insurance and property surveys.

    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.