Moving Home in Northern Ireland
Whether you're upsizing for a growing family, downsizing, or relocating for work, we'll find the right mortgage for your next chapter. Expert advice from application to completion.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
How We Help Home Movers
Moving home involves more than just finding a new property. We manage the mortgage side so you can focus on the move.
Wide Market Search
We offer a wide range of products from across the market to find the best rate for your new home.
Port or Switch
We'll advise whether porting your current mortgage or taking a new deal saves you more money.
Use Your Equity
The equity in your current home can provide a larger deposit, unlocking better rates on your next mortgage.
End-to-End Support
From Agreement in Principle through to picking up the keys, we guide you through every step.
Port Your Mortgage or Get a New Deal?
When you move home, you have two main mortgage options. The right choice depends on your current deal, the new property, and how much you need to borrow.
Porting lets you transfer your existing mortgage terms to a new property, which can be useful if you're on a good rate. However, a new mortgage from across the market may offer a better deal overall. We compare both options for you.
Get a ComparisonPorting vs New Mortgage
- Transfer existing rate to new property
- Avoid early repayment charges
- May need additional borrowing at a different rate
- Access the best rates from a wide range of lenders
- One single rate on the full amount
- Often the better option when equity is strong
Our recommendation: We always compare both options side by side so you can see exactly which saves you more. There is no obligation to proceed.
The Home Mover Mortgage Process
Moving home is a multi-step process. Here is what to expect when arranging a mortgage for your next property:
Agreement in Principle (AIP)
We'll assess your finances and get an AIP so you know your budget before house-hunting.
Find Your New Property
Search with confidence knowing exactly what you can afford. Estate agents take AIP holders more seriously.
Full Mortgage Application
Once your offer is accepted, we submit the full application with all supporting documents.
Valuation and Legal Work
The lender values the new property while solicitors handle the legal side of both the sale and purchase.
Exchange and Completion
Contracts are exchanged, completion dates are set, and you pick up the keys to your new home.
Stamp Duty for Home Movers
Unlike first-time buyers, home movers pay stamp duty on properties over £250,000. Understanding these costs is important when budgeting for your move.
Stamp Duty Rates (Home Movers)
| Property Price Band | Rate |
|---|---|
| Up to £250,000 | 0% |
| £250,001 to £925,000 | 5% |
| £925,001 to £1,500,000 | 10% |
| Above £1,500,000 | 12% |
Rates correct as of 2025. You only pay the rate on the portion within each band, not on the full price.
Example: On a £300,000 property, a home mover would pay stamp duty of £2,500 (5% on the £50,000 above the £250,000 threshold). We include stamp duty in our cost calculations so there are no surprises.
Using Your Equity as a Deposit
One of the biggest advantages of being a home mover is that you likely have equity in your current property. This can act as a substantial deposit on your next home, giving you access to better mortgage rates.
Example: How Equity Works
Current Home Value
£200,000
Mortgage Remaining
£120,000
Your Equity
£80,000
With £80,000 equity as a deposit on a £250,000 property, you'd have a 32% deposit, giving you access to some of the best mortgage rates available.
Costs to Budget For
Beyond the mortgage itself, there are several costs to factor into your moving budget:
Solicitor/Conveyancing Fees
Typically £1,000 - £2,000 for sale and purchase
Stamp Duty
On properties above £250,000 (see rates above)
Valuation/Survey
£250 - £600 depending on survey type
Estate Agent Fees
Typically 0.75% - 1.5% of sale price + VAT
Early Repayment Charge
Check your current mortgage terms before moving
Removal Costs
Typically £500 - £1,500 depending on distance
We help you understand the full cost of moving so you can plan your budget with confidence. Our advice covers all the financial aspects, not just the mortgage.
Why Choose CGR Financial for Your Move?
Wide market access
We offer a wide range of products from across the market
Port vs switch advice
We compare both options honestly
Chain management
We keep your mortgage on track
Local expertise
We know the NI property market
No-obligation consultation
No pressure to proceed
Personal service
One adviser who knows your case
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Jordan Willis
Mortgage & Protection Advisor
With extensive experience in the Northern Ireland mortgage market, Jordan specialises in helping first-time buyers and those with complex circumstances find the right mortgage solution.
Qualifications
Specialisms
- First-Time Buyers
- Remortgages
- Protection
Home Mover Checklist
CGR Financial Ltd is an Appointed Representative of PRIMIS Mortgage Network. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
Related Services
What Our Home Mover Clients Say
See how we've helped homeowners move to their next property
"Working with CGR Financial has been such a positive experience. Jordan and Nadine were incredibly supportive throughout the entire mortgage process, guiding us with clear advice and making sure I understood every step along the way."
"Jordan and Nadine were super efficient in sorting my mortgage. Took care of every little detail making the process simple for me."
"From day one, Jordan explained everything in clear detail and made the whole mortgage process so much easier to understand. He guided me step by step, always available to answer any questions I had."
Ready to Make Your Move?
Get a no-obligation consultation to discuss your home mover mortgage options. We'll help you plan the finances for your next chapter.