Thinking of moving home?
It can be helpful to understand your numbers before you start.
Many people find it useful to work out what they can afford before putting their house on the market. I can help you understand your options and potential budget.
Why consider speaking to a broker early? Understanding your budget before you start viewing can help you focus on properties within your range and feel more confident when making offers.
A Suggested Approach to Moving Home
Here's an approach that many people find helpful when planning a move.
Work out the cost of moving
Before anything else, it can be helpful to understand the potential costs — estate agent fees, stamp duty, solicitors, and any early repayment charges.
Check your borrowing power
Get an idea of what you might be able to afford for your next home based on your equity and income.
Get your Agreement in Principle
A certificate from a lender indicating what they might be willing to lend you. This can help strengthen your offers.
Go on the market
With a clearer picture of your budget, you can list your property and start viewing homes in your price range.
Find your buyer & your new home
Work with estate agents with a better understanding of what you can afford.
Apply for your mortgage
I'll handle the application, paperwork, and help keep everything on track to completion.
Something to consider
Some people find it helpful to understand their budget before listing their property. This can help you focus on properties within your range and avoid disappointment later in the process.
Explore Your Options
Use these tools to get a rough idea of what moving might cost and what you could potentially afford. For more accurate figures based on your specific situation, let's have a chat.
Your Current Property
Drag to adjust: £250,000
Your equity: £100,000
Not sure? I can check this for you — it's one of the first things we look at together.
Your Next Property
Drag to adjust: £300,000
Typical range is 1-1.5%. Online agents may be cheaper but offer less service.
"We had a great experience with Rob. He was very helpful, quick to respond and consistently professional. Rob supported us every step of the way and made the whole process much easier than we expected. We would highly recommend Lynton Mortgages for a stress-free service!"
Eddie Woodward
Port Your Mortgage or Get a New Deal?
One of the key decisions when moving. I can help you compare the options to see which might work better for your situation.
Option 1: Porting
Taking your existing mortgage deal with you to the new property.
- Keeps your current interest rate
- May help you avoid Early Repayment Charges
- Can be useful if rates have risen since you fixed
May suit you if: You're on a good fixed rate and don't need to borrow much more
Option 2: New Deal
Paying off your current mortgage and starting fresh with a new lender.
- Access to potentially better rates
- Might allow you to borrow more
- Can be useful if your current lender won't lend enough
May suit you if: You need to borrow significantly more or are on a less competitive rate
Common Questions About Moving Home
Want More Detail?
Click each step to see what typically happens at each stage of a move
Moving Home in Alsager & South Cheshire
I live and work in Alsager, so I'm familiar with the local property market. Whether you're upsizing to a family home in Sandbach, downsizing in Crewe, or staying local, I can help guide you through the process.
- I know the local estate agents and solicitors
- I'm familiar with local property values
- Face-to-face meetings available in Alsager
Rob
Your local mortgage advisor
Have Questions About Moving Home?
Let's have a quick, no-pressure chat. I can help you understand what you might be able to afford, what it could cost to move, and whether your plans seem achievable — all before you speak to an estate agent.
No-obligation advice. Your home may be repossessed if you do not keep up repayments on your mortgage.
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