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Moving Home Mortgages in Derby, Derbyshire and the UK

Upsizing, downsizing or moving for work? We check whether to keep your current mortgage or find a new one, and help you avoid early repayment charges where we can.

Call 01332 300300 How Much Can I Borrow?

★★★★★ Rated 5 stars on Google | FCA Regulated (Ref: 706676) | Derby-Based, Advising Across the UK

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Moving Home Advice From Our Team

Our team live and work locally, and our office is at Pride Park in Derby. We help home movers across Derbyshire, the East Midlands and the rest of the UK, in person, by phone or by video call.

When you move, you can often take your current mortgage with you, borrow more from your lender or switch to a new lender. We compare all three so you know which works out best.

Port or switchWe compare keeping your deal with a new one
Early repayment chargesWe check if moving would trigger one
Whole of marketWe compare lenders across the market
Mortgage in principleSo you can make an offer with confidence
Across the UKAdvice by phone and video call

Your Options When You Move

Port your mortgage

Take your current deal to your new home. You may avoid an early repayment charge.

Port and borrow more

Keep your current deal and borrow the extra you need, often on a new rate.

New mortgage

Pay off your current mortgage and start a new one, with any lender.

Downsizing

Reduce your mortgage or clear it, and free up money for other plans.

Chain problems

If your sale is delayed, a bridging loan may help you buy first.

Self-employed or bad credit

We know which lenders suit your income and credit history.

How Much Could You Borrow?

Use our calculator for a first idea, or call us for a quick chat.

Call 01332 300300 How Much Can I Borrow? Send an Enquiry

Port or Start Again?

Porting can suit you if

  • Your current rate is lower than rates today
  • Leaving your deal would mean a large early repayment charge
  • Your lender will lend what you need
  • Your income and credit have not changed much

A new mortgage can suit you if

  • Your deal has ended or is ending soon
  • Another lender has a better rate for the full amount
  • Your lender will not lend what you need
  • You want to change the length or type of mortgage

How It Works

Get in touch

Call us or send an enquiry with details of your current mortgage and your move.

Review

We check your current deal, any early repayment charge and what you can borrow.

Mortgage in principle

We compare your options and get a mortgage in principle so you can make an offer.

Application to completion

We handle the paperwork, the lender and the solicitors until you get the keys.

More Help for Home Movers

How Much Can I Borrow?

Get a quick idea of your budget.

Find Out More

Stamp Duty Calculator

Check the stamp duty on your next home.

Find Out More

Legal, Survey or EPC Quote

Get quotes for the other services you need.

Find Out More

Bridging Loans

Buy before your sale completes.

Find Out More

Remortgages

Staying put? Compare your next deal.

Find Out More

Cover Checker

Moving is a good time to check your cover.

Find Out More

Why Choose Mortgage & Finance Arena

Local advisers

Our team live and work locally and know the local market.

Whole of market

We compare lenders across the market, not just one bank.

Porting checked

We compare porting with a new deal so you see the true cost.

Plain English

We explain each step so you always know what happens next.

We handle the paperwork

We deal with the lender and solicitors until completion.

FCA regulated

Mortgage & Finance Arena Ltd is authorised and regulated by the FCA (No. 706676).

Moving Home Mortgage FAQs

Often, yes. This is called porting. Your lender will check your income and the new property again before it agrees.

Your lender may lend the extra on a separate rate. We compare this with a new mortgage for the full amount.

If you leave a deal early you may have to pay one. Porting can often avoid it. We check the figures before you decide.

Before you put your home on the market or make an offer. A mortgage in principle shows sellers and agents you can proceed.

Plan for stamp duty, solicitor fees, a survey, lender fees, estate agent fees and removals.

You may be able to use a bridging loan to buy first and repay it when your home sells. It costs more, so we explain the risks first.

Often, yes. Some lenders accept one year of accounts, and some accept missed payments or defaults.

Ready to Talk?

Tell us about your move and one of our team will call you back.

Call 01332 300300 Mortgage Calculators Send an Enquiry

Your home may be repossessed if you do not keep up repayments on your mortgage. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).

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Read our 5 stars Google reviews

Read our Google reviews

Honest opinions from people like you

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.

The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.

Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.

If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!

There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.