Moving Home Made Simple

Moving house is a big step, and while it’s an exciting time, it can also feel overwhelming. There are important decisions to make, especially when it comes to your mortgage. Choosing the right deal could save you time, money, and stress in the long run.

At The Mortgage Store Cheltenham and Gloucestershire, our expert mortgage advisers are here to help. We’ll find the perfect mortgage for your circumstances, giving you peace of mind as you move into your new home.

Your Mortgage Options

Understanding your mortgage options is key to making the best choice. Here’s a simple breakdown of the main routes you can take when moving home:

1. Staying with Your Current Lender

Keeping your mortgage with your current lender might seem like the easiest option, but it’s not always the best deal. By sticking with them, you might miss out on more competitive rates elsewhere.

Working with one of our advisers means you benefit from:

• Access to a wider range of lenders and mortgage products.
• Expert advice tailored to your goals and situation.
• A stress-free experience – our advisers will handle all the hard work for you.

2. Switching to a New Lender

Exploring mortgages with a new lender could save you money by giving you access to better rates and deals across the market.

Our advisers at The Mortgage Store Cheltenham and Gloucestershire will help you weigh up the benefits and costs, including any potential Early Repayment Charges (ERC) if you exit your current mortgage early. We’ll make sure you understand all the details, so you can make the right decision with confidence.

3. Porting Your Mortgage

Porting allows you to transfer your current mortgage to your new property. It’s a popular choice for home movers who are happy with their existing deal.

Here’s how it works:

• You keep your current mortgage and move it over to your new home.
• If your new property is more expensive, you may need an additional loan to cover the shortfall.

Our advisers can guide you through this process and make sure porting is the right choice for your circumstances.

Upsizing or Downsizing?

Whether you’re moving to a bigger home or downsizing to something smaller, our mortgage advisers will help you plan ahead and make the right decisions for your future:

• Upsizing: A larger property often means a bigger mortgage. We’ll ensure you understand what this means for your monthly payments and finances.
• Downsizing: Moving to a smaller property may allow you to use the equity in your current home to make the move more affordable and straightforward.

Why Choose Us?

At The Mortgage Store Cheltenham and Gloucestershire, our friendly and experienced mortgage advisers specialise in helping home movers like you. We take the time to understand your goals and circumstances, so we can recommend the most suitable mortgage solution for your needs.

Whether you’re upsizing, downsizing, or simply looking for the best deal, we’re here to guide you every step of the way.

Ready to start your move? Get in touch with one of our expert advisers today and let’s make your move stress-free.