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Mortgage Advice for Home Movers in Essex

Personal, expert guidance to make your next move smooth and stress-free

Moving House? Let's Find the Right Mortgage for Your Next Step

If you’re moving to a new home and need a mortgage, there’s a lot to think about — especially if you’re selling one property while buying another. The good news is, you’re not starting from scratch.

I’m Ian Smith, a whole of market mortgage advisor based in Essex. With over 25 years of experience, I help home movers across the UK find the right mortgage, manage the transition, and keep things simple.

Whole of Market Advice from an Independent Mortgage Advisor

As a mortgage advisor and broker, I’m not tied to any one bank or lender. I search the entire market to find mortgage deals that match your new plans, whether you’re upsizing, downsizing, or relocating.

I’ll also help coordinate the timing, documents, and lender requirements so that your move doesn’t hit unnecessary delays.

Mortgage Options for Home Movers

Porting Your Current Mortgage

Some lenders allow you to transfer your mortgage to a new property. I can check if this applies and whether it’s the best option.

Getting a New Mortgage for Your Next Home

If you’re switching lenders or borrowing more, I’ll help you compare deals, understand affordability and secure a mortgage that suits your new home.

Remortgaging to Buy a New Home

In some cases, you might remortgage your current property to help with the purchase of the next. I’ll explain if this is right for you.

What You'll Get When You Work With Me

Clear advice tailored to your next move

Access to mortgage deals from across the UK market

Help managing the switch from your current mortgage

Guidance on paperwork, lenders, and application timelines

Flexible phone or video appointments

Support with protection products if needed

Common Questions from Home Movers

Can I use my current mortgage when moving?

Possibly. Some mortgages are portable, others aren’t. I’ll help you work out the most cost-effective approach.

Do I need a deposit to move home?

Yes, usually. Your deposit may come from the equity in your current home. I’ll help you understand the numbers.

Can I borrow more for a bigger property?

Yes, if your income and circumstances allow it. I’ll help assess what’s affordable and realistic.

Should I stay with my current lender or switch?

It depends on what they’re offering. I compare your existing lender with others across the market to see what’s best.

Let’s Make Your Next Move Simpler

If you’re planning a move and need help finding the right mortgage, I’m here to support you through every step.

Book an appointment online or call me on 01708 535 946 to get started.

01708 535 946