SERVICES

Mortgage Advice for Buying a New Home

Whole of market support for second-time buyers, return buyers, and anyone moving into a new place

Planning to Buy a New Home? I’ll Help You Get the Right Mortgage in Place

Whether you’re upgrading, relocating, or simply ready for a change, buying a new home comes with plenty of moving parts. Choosing the right mortgage is a big part of that, and it helps to have someone on your side who can guide you through it all.

I’m Ian Smith, a mortgage and protection advisor based in Essex. I help clients across the UK buy new homes with confidence, offering clear advice, market comparisons, and full application support.

Who This Is For

This service is for you if you’re:

Moving from one home to another but not a first-time buyer
Returning to the property market after selling previously
Buying a second home for personal use or family
Not sure whether to port your mortgage, switch, or start fresh

If any of this sounds familiar, we can talk through your options and work out the right next step.

Mortgage Options When Buying a New Home

Porting your existing mortgage

Some lenders let you move your current mortgage to your new home. I can check if that applies and compare it to what’s on the market.

Getting a new mortgage

In many cases, it makes more sense to switch. I’ll compare deals from across the market and explain what’s available based on your income, property value and goals.

Borrowing more or less

If you’re moving to a more expensive home or downsizing, I’ll help adjust your mortgage plan to match your new setup.

What You'll Get When You Work With Me

Advice tailored to your current mortgage, income and next home

Access to lenders across the UK market

Help choosing between porting or switching

Application support from start to finish

Clear communication at every step

Optional guidance on protection cover if needed

Questions I’m Often Asked

Can I keep my current mortgage when I buy a new home?

Possibly. I’ll help you weigh up whether it’s better to port or switch.

How much can I borrow for a new home?

It depends on your income, property value, and expenses. I’ll work through the numbers with you.

Can I borrow more than before?

If your finances support it, yes. I’ll help you find lenders who match your goals.

Will I need a new deposit?

If you’re selling a home, the deposit often comes from the equity. I’ll explain how this works and what to expect.

Ready to Make Your Next Move?

If you’re thinking about buying a new home, let’s have a quick chat about your mortgage options. You can book a call online or ring me on 01708 535 946

01708 535 946