Purchase
Home Mover
Moving house is considered the most stressful thing you can do, even more stressful than having a child! We aim to take stress off your shoulders by looking after the entire mortgage process from document collection to you getting the keys to your new home.
We can also assist in working out how much equity you have in your existing property and how much you need to allocate for your deposit, stamp duty, and moving costs. Property chain issues can be problematic when moving home so having an expert adviser working alongside you can prove invaluable.
We can also help with porting your existing mortgages to minimise fees.
Moving Home Mortgages – Swift Financial
Moving home is often one of life’s biggest and most stressful events — but it should also be an exciting new chapter. At Swift Financial, our experienced mortgage advisers are here to make the process straightforward, guiding you every step of the way so you can focus on settling into your new home.
Whether you’re upsizing, downsizing, or relocating, choosing the right mortgage is essential. We search a wide panel of UK lenders to find competitive rates and flexible options suited to your personal circumstances. From assessing affordability to explaining repayments, we simplify the mortgage process and help you make confident, informed decisions.
How It Works
At Swift Financial, we believe mortgage advice should be clear, honest, and tailored to you. We take the time to understand your financial situation, your plans for the future, and what you need from your next home.
Our team will:
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Assess your affordability
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Recommend suitable mortgage options
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Handle the paperwork
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Liaise directly with lenders and estate agents
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Keep you updated throughout the entire process
We can also provide an Agreement in Principle (AIP/DIP) quickly — often within minutes. This is usually required by estate agents before you can formally place an offer on a property.
If it’s been years since you last arranged a mortgage, don’t worry. Property rules, lending criteria, and interest rates change regularly, and our friendly advisers will guide you from start to finish to ensure your move is as smooth and stress-free as possible.
Porting Your Mortgage (For Home Movers)
Many homeowners don’t realise that when moving house, you may not need to change your mortgage at all. In some cases, you can port your existing mortgage to your new property.
Porting allows you to transfer your current mortgage deal to your new home, which can offer several important benefits:
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Avoid paying an Early Repayment Charge (as long as you keep the same mortgage balance)
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Keep your current interest rate — particularly valuable if you’re on a low fixed rate
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Change your mortgage term (shorten or extend)
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Add or remove a borrower
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Increase or reduce the amount you borrow (subject to lender approval)
We’ll check whether your lender allows porting and confirm if you meet their criteria. If additional borrowing is needed, we can also arrange a top-up mortgage alongside your existing deal.
Porting isn’t always the right option for everyone, but when it works, it can save significant money and provide stability during your move. Our advisers will compare porting against switching lenders to make sure you choose the most suitable and cost-effective solution.
Speak to a friendly Swift Financial adviser today and receive your Agreement in Principle in minutes — so you can confidently make an offer when you find the right property.