Moving Home

Ready to make the next move? Let us focus on finding you the right mortgage so you can concentrate on moving to your next home.

Whatever your occupation, either employed or self-employed, sole trader, limited company director or a contractor, we search 1000’s of mortgage deals across hundreds of lenders, to find the mortgage that’s tailored to your needs.

Home Mover Mortgages

Even though you’ve gone through the process of organising a mortgage once before, it can still feel a little overwhelming, particularly now that you’re selling a property too. Whether you’re moving to a bigger property or downsizing, finding the right, affordable mortgage is key. You might want to transfer your existing mortgage over to your new home or find a new deal altogether.

Most mortgages can be moved to your new property. Unfortunately, you’ll still have to go through an application process and if you need to increase the size of the loan, you may be required to take out a second mortgage to cover the difference. This could have higher interest fees and come with the cost of a new arrangement fee.

Get in touch
purple blob

New mortgage same lender

You may be able to take advantage of a better rate with your current lender, but you might have to pay an early repayment charge on your current loan. We can check out what fees you’re likely to pay and tell you if the best option is to stay with your current mortgage provider.

We can search thousands of mortgage deals to find one that’s tailored to your personal situation and then present you with all the information; arrangement fees, valuation fees, any repayment/exit fees to assess whether it’s financially beneficial for you to switch.

Get in touch
purple blob

Why choose The Finance Roome?

Remortgaging can be a little complicated at times but we love a challenge and we hate to give up! If you took out your existing mortgage before 2008, you’ll find that the rules and criteria to qualify for a mortgage have changed. If you’re feeling a little unsure about the situation and need sound advice, we’re here to help.

purple blob

How we helped Mrs R and Mr W

After Mrs R sold her house, the couple planned to move into Mr W’s house until they could find and buy a new property together. However, instead of selling Mr W’s house, they decided to increase his mortgage to raise a deposit for the new property and then rent out Mr W’s home.

Instead of arranging a joint mortgage, we recommended a special Joint Borrower Sole Proprietor mortgage. This way, Mrs R would own the property but both of them were named on the mortgage for affordability. Because Mr W wasn’t on the deeds to the new property, there was no need to pay additional property 3% stamp duty on the new purchase (as Mr W was keeping his initial property). This was a great solution for the couple. It was important that Mr W took independent legal advice prior to the new purchase to make sure he understood the implications of this type of mortgage.

purple blob

Don’t just take our word for it.

Our biggest critics are always our clients. Unbiased and unrelenting, they are the easiest way to find out what a business is really like to work with. Find out what ours are saying about us!

Sophia Hawkins-Brown
Sophia Hawkins-Brown
2022-11-10
Cannot recommend these guys enough. After meeting the lovely Sam, I talked her through the nightmare I had had securing mortgages through other brokers. Sam recommended I spoke to Ricky, who was quick, efficient and super friendly. I recieved a call from Chloe who was also lovely 12 hours later securing my mortgage at an affordable rate and for the amount I desired. The Finance Roome are amazing. Offering an efficient, friendly and successful service. Thank you all. Made my day and took all my stress away. I would give 10 stars if I could.
Sophie F
Sophie F
2022-10-26
Can't speak highly enough of the Finance Roome team, we've been with them since we purchased our first house and we've just exchanged on our next property today - and I genuinely don't think we'd have made it before the interest rate hike without them! They are so friendly when you ring, always happy to discuss any little query or concern, and always respond quickly to any communications. You really feel like a valued customer dealing with this team, I've been on the phone to them in floods of tears during this house move and they're so reassuring and kind. Shout out to Adam, Jess H, and Jess D, who I have mainly dealt with - but I can honestly say that every single person I've spoken to has been fab. Without them chasing our mortgage lender to expedite our funds request after some messing from the bottom of our chain, we'd have lost our deal and seen it triple. That's life changing. Thank you Finance Roome!
kate d
kate d
2022-10-24
The finance room have walked is through everything for both mortgages we've had so far. The service has been faultless, diligent and and easy to contact. Responds very quickly to our emails. Gave honest advice and supported us throughout, even when we ended up remortgaging through our previous provider meaning they did not get a commission.
Victor Wilson
Victor Wilson
2022-10-22
I have nothing but positive words for this company. Chloe and Harriet mainly dealt with my case and their customer service is brilliant. Aside from that, their approach towards everything is proactive, efficient and professional. I cannot fault anything from my experience and when I purchase another property I will be straight to these guys. Thank you everyone!!
Emily Poole
Emily Poole
2022-10-21
As always, The Finance Team have been amazing and helped me with my new mortgage. They are extremely knowledgeable, professional and lovely to deal with. Thank you so much!
Ross Firth
Ross Firth
2022-10-18
From the first moment we messaged Courtney we knew we were in the right hands. The finance roome helped us with the purchase of our first house, from sorting our mortgage to helping with our life insurance and home insurance. Right from the start everyone was friendly helpful and more than happy to take the time to answer any questions we had and even though we had ended up waiting 8 months for the house to finally all go through, they still persisted to chase up our solicitors weekly and check everything was still in order. We couldn’t recommend them enough!
Charlotte Slater
Charlotte Slater
2022-10-10
Adam and everyone at the Finance Roome have been wonderful. Words cannot express our thanks for his expert advice, getting us a great mortgage in the nick of time. He quite rightly hurried us to get all our paperwork in order and as such we got a mortgage just days before the massive interest rate hikes. In addition to securing us a great mortgage, Adam was always on hand to provide support and reassurance when our Solicitors were causing us many headaches. Thanks again so much to Adam and the team. We have recommended them to everyone we know who are currently going through the house buying process.
Joanne Carnie
Joanne Carnie
2022-10-08
I have just completed my Re-Mortgage with the Finance Roome and am writing this review as I cannot rate this company highly enough. This is not the first time I have used the Mortgage Roome, they arranged my mortgage for my house purchase 5 years ago and were simply outstanding then so I had no hesitation in calling them for my Re-mortgage. Once again, the level of service I have received and the advice has been second to none and I am so grateful to all of the staff (Ellen, Adam Hayter and Jess Hambling) who have provided the advice and assistance along the way. All of the staff I have spoken to have shown that they are extremely knowledgeable, professional and they really listen and understand your needs when providing advice. It is not often you get outstanding service these days so they are totally deserving of a 5 star review. Thank you so much.
Emily Golden
Emily Golden
2022-09-30
The Finance Roome helped me secure a good mortgage deal and followed it through to completion. I will be using them again next time!
Paulina Woźniak
Paulina Woźniak
2022-09-20
We had really great experience with The Finance Roome Ltd. Our Broker - Adam and his Admins were very helpful. We have had our offer within 2 weeks since we’ve applied. They’ve supported us till very end (completion). Thank you from me and James for your time! Great job everyone!

Ready to take the next step?

phone

Ask us to call you

Speak to an advisor

Make an appointment