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Mortgages for home movers

Moving home mortgages.

  • Automated valuations available
  • Up to 4 applicants allowed
  • Benefits income accepted
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0161 933 7059

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

How much can I borrow?
Find out here

Why choose Together?

Our mortgage key facts
  • 7.84%

    Rates from 7.84%
  • 75%

    Borrow up to 75% of the property's value
  • £50k - £1m

    Loans from £50k - £1m

*Subject to application, status and lending criteria. You may be offered a higher rate.


Overall cost for comparison

To help you understand a typical cost for a mortgage, please see the representative example below. The figures used are for illustration purposes only, your actual costs and monthly payments will vary depending on your mortgage

A mortgage of £146,000 payable over 22 years, initially on a fixed rate for 5 years at 8.09% and then on a tracker rate of 1.8% above the Together Homeowner Managed Rate (THMR) currently 9.25% (variable), for the remaining 17 years, would require 60 instalments of £1,204.57 followed by 204 monthly payments of £1,451.18 plus a redemption administration fee of £100.00. Read more information on THMR.

The total amount payable would be £368,414.92 made up of the loan amount (£146,000) plus fees (arrangement fees (£1,495), broker fees (£862) and redemption admin fee (£100), plus interest  (£220,057.92)

The overall cost for comparison is 10.2% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.



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Mortgages for home movers

Moving home can be a big step, especially if you are moving due to a change in your circumstances. If your financial situation has changed since your last mortgage, our specialist team will look at your application with common-sense lending in mind, not simply a credit score.

Up to 4 individual applicants can be accepted on one mortgage and we can factor in benefit income as part of our affordability checks. If the sums show you can afford the mortgage, we are on hand to help.

We can also accept automated valuations for your property, using data from a range of existing databases to automatically calculate a value, greatly reducing the timescales to access funds.


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We understand every situation is unique

Mark and Amy had found their ‘forever home’ and they’d had their mortgage approved with a major bank. However, despite them both being professionals with good salaries and perfect credit histories, the bank ultimately went back on their decision when they realised that both Mark and Amy had been self-employed for just over 12 months.

With just a few weeks until they needed to complete on their dream home, the couple needed a lender that could help them and move fast. So they spoke to Together, and we funded the deal in just 8 working days. Ready to see how we could help you?

Figures and details from a real Together mortgage customer. All personal information anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.

How we helped Mark and Amy:
  • £550,000

    Amount sought

  • 15 years

    Desired term

  • 8 days

    Time from application to funding

Calculate how much I can borrow

Do you want to understand the potential cost of your mortgage or loan?

We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.

Find out here

Common questions about Moving home mortgages

How does a mortgage work when moving house?

When you move house, you have a couple of options when it comes to your mortgage.

You can simply pay off your mortgage with the money from the sale of your old home and take out a new one on your property.

If you’re happy with your current rate and don’t want to take out a new mortgage, you could be able to transfer your existing loan to your new property through a process called ‘porting’.

Not every lender allows you to do this however, and you could still be blocked from doing this, even if your mortgage is portable as there is no guarantee your lender will allow you to move it.

Can I move home in the middle of my mortgage deal?

You usually can move house during a fixed term period but most mortgages have an early repayment charges. So make sure to check:

  • Is there any applicable charges?
  • How much is it?
  • What date does it apply until?

What stamp duty will I have to pay when moving home?

The amount of Stamp Duty Land Tax (SDLT) you’ll need to pay depends on what type of buyer you are, and what band rate you fall into – you’d fall into a different band if you were buying a holiday home than you would as a first time buyer.

You can find out the latest information on SDLT on the government's website.

Can I just move my mortgage to another house?

Some lenders do allow for an existing mortgage to be moved to another house – this is called ‘porting’.

However at Together, we would need your existing mortgage to be paid off and for you to apply for a new one.

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We can help where other's can't.

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Alternatively, call us on 0161 933 7059.
Lending decisions are based on a credit check and an assessment of your individual circumstances. 

All mortgages are subject to our terms and conditions.
 
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