Predictions for house price growth
Savills has published its latest five-year outlook for the UK housing market, including predictions for
5 January 2026
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A home mover mortgage is a type of loan for people who are moving to a new home. This includes those who are selling their current property as well as those who want to keep it, turning it into a buy-to-let (BTL) investment or gifting it to their children. If you’re moving, you can use the money from selling your old home as a deposit for your new one. For those not selling, you can still apply for a mortgage on the new property while keeping your current one. This mortgage is tailored for people who are already familiar with the buying process and want to make a smooth transition to their next home.
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Home movers can choose from several mortgage types, including fixed-rate, variable-rate, and tracker mortgages. Fixed-rate mortgages provide stability with set payments, while variable-rate mortgages can fluctuate with market rates. A mortgage adviser can help you understand which option best suits your financial goals.
We have a team on hand, waiting to help you. Enquire today about how we can help.
Our mortgage advisers work closely with you to save you time and give you the very best chance of a successful application.
During the application process, we’ll:
Once your mortgage has been offered, we’ll support you all the way through to completion.
We’ll work hard to build a lasting relationship with you, so you’ll always have someone you trust to help with any queries or requirements in the future.
Our approach focuses on understanding your unique circumstances and tailoring our advice to fit your specific needs.
With years of experience in the mortgage industry, we navigate the complexities of the market with ease.
Nothing is ever too complex for us! We thrive on finding solutions, whether you have a unique financial situation or specific requirements.
Your borrowing amount depends on various factors, including your income, credit score, and existing financial commitments. Lenders typically use a multiple of your income, so it’s essential to gather your financial details for an accurate assessment. A mortgage adviser can help you calculate this based on your specific situation.
Yes, most mortgages require a deposit, typically ranging from 5% to 20% of the property’s purchase price. If you’re selling your current home, the proceeds from the sale can be used as your deposit for the new property. If you’re keeping your existing home, you’ll need to arrange the deposit separately.
In addition to your mortgage, there are several other costs to consider, such as stamp duty, conveyancing fees, and moving costs. It’s also wise to budget for surveys and any immediate repairs or renovations needed in your new home. A mortgage adviser can help you estimate these costs to avoid surprises.
There are stamp duty thresholds for people moving house. You may be subject to stamp duty, or you may not be. To calculate what you may be eligible to pay, try our stamp duty calculator.
There’s lots of numbers involved and calculations to do when dealing with finances, explore our free-to-use calculators to keep things simple.
Calculate what a monthly mortgage payment might look like for you.
At Appleton Mortgages, we’re committed to guiding you every step of the way, making the process as seamless and enjoyable as possible.
Understand our 8 step process, from having your initial chat to receiving your keys.
Contact us via phone, email, or our website to schedule your initial consultation. During this conversation, we’ll discuss your goals, financial situation, and any specific requirements you may have. This helps us understand how we can best assist you.
In our in-depth consultation, we’ll dive deeper into your needs and preferences. We’ll gather essential information, such as your income, credit history, and desired property type. This allows us to assess your mortgage options and outline a personalised plan.
Once we have all the necessary information, we’ll conduct thorough research to find the most suitable mortgage products for you. We’ll present our recommendations, explaining the benefits and potential drawbacks of each option, so you can make an informed decision.
After you choose a mortgage option, we’ll help you prepare your application. This includes gathering all required documents and ensuring everything is in order. We’ll guide you through the paperwork and clarify any questions you may have.
We’ll submit your mortgage application to the lender on your behalf. Our team will stay in close contact with the lender to ensure everything moves smoothly and address any queries that may arise during the process.
As your application is processed, we’ll liaise with estate agents and solicitors to keep everyone in the loop. This allows you to focus on your day job while we handle the running around and ensure all parties are aligned.
Once your application is approved, you’ll receive a formal mortgage offer. We’ll review the offer with you to ensure you understand the terms and conditions, and we’ll help you navigate the acceptance process.
Finally, once all legal work is completed and the funds are in place, your mortgage will be finalised. We’ll be there to support you through the completion, ensuring everything goes smoothly and you’re ready to move into your new home!
Savills has published its latest five-year outlook for the UK housing market, including predictions for
A survey from LRG has revealed the three most influential factors when buying a property,
Data from the Bank of England shows that UK borrowers are currently favouring two-year fixed-rate
We offer face to face appointments in the areas where we have brokers. If you live outside of that area, we can still help you! We offer phone call and zoom appointments nationwide.
We may charge a fee for arranging your mortgage, depending on your circumstances. Our fees range from £0-£799. In many cases, no fees are charged. Any applicable fees will be agreed with you in advance.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
As with all Insurances policies, conditions and exclusions will apply.