Helping you move with confidence and the night mortgage

Whether you’re upsizing, downsizing, or relocating, moving home can be one of the most exciting, and stressful, financial decisions you make. At Autumn Money, we make the process smoother by helping you secure the right mortgage, tailored to your personal and financial situation.
We’ll guide you every step of the way, from understanding your borrowing power to getting your new keys.

What Is a home mover mortgage?

A home mover mortgage is for individuals or families who already own a property and are looking to move to a new one. This could involve:

Porting your existing mortgage to a new property
Switching to a completely new mortgage product or lender
Borrowing more to buy a bigger home
Reducing your loan if downsizing

We assess your current mortgage, equity position, income, and future goals to source the most suitable mortgage solution for your move.

How we can help

As an experienced mortgage broker, we offer expert support and scan the market to help you access exclusive deals from high street banks, building societies, and specialist lenders. We help you:

Understand what you can afford before you list your property
Review and compare porting vs remortgaging options
Secure decisions in principle (DIPs) quickly
Coordinate the mortgage process with your estate agent and solicitor
Navigate complexities like self-employment, variable income, or credit history

We tailor our recommendations to your situation, whether you're moving due to family changes, schools, work relocation or simply upgrading your space.

UK Case Study: Upsizing to a Family Home in Surrey

Client:

Married couple with two children

Property:

£380,000

Outstanding Mortgage:

£200,000

New Property:

£550,000

Equity Used:

£180,000

Additional Borrowing Required:

£190,000

What We Arranged:

New 5-year fixed rate mortgage at 4.65%
35-year repayment term to keep monthly payments manageable
Product transfer with existing lender was more expensive, we sourced a better deal with a new lender
Full application approved and offered within 10 working days

Result:

Smooth transition with affordable monthly payments and zero early repayment charges on their new deal.

Frequently asked questions

Yes, most lenders allow you to “port” your mortgage, which means transferring your existing deal to your new property. You’ll still need to reapply and meet the lender’s affordability and valuation checks.

If your new property costs more, you may need to add to your deposit. The deposit from your current property sale usually forms part of this.

The funds are usually released on the day you complete the purchase, through your solicitor.

You might be able to take out a bridging loan or let-to-buy mortgage, depending on your situation. We can help explore the best short-term solution.

Yes. Lenders now assess your average income over time, using accounts or tax returns. As long as your earnings are consistent and provable, we can find you options.

Make your move

Moving home is a big deal, don't leave your mortgage to chance. With our help, you'll get expert advice and support from start to finish. We'll:

Explain all your mortgage options clearly

Find the most competitive and flexible deal

Take the stress out of the application process

Liaise with agents, solicitors, and lenders on your behalf