Home Mover Mortgages in Basildon
Mortgage help for moving home in Basildon, Wickford, Billericay, Pitsea and Laindon.
Your current deal checked
We review your mortgage and any early repayment charges
Timing taken seriously
We help your sale and purchase line up
One point of contact
Your adviser keeps you updated throughout
Many people in Basildon move within the area as their family grows, or to be closer to the c2c line or a better school catchment. Moving usually involves your current mortgage as well as the next one, and the two need to line up with your sale and purchase.
We review your existing deal, explain whether porting or a new mortgage may suit you, and help you keep the move on track.
Moving home around Basildon
If you bought in Basildon some years ago, you may have built up equity in your home, which can help with the deposit on your next one. We can look at how much you may have, what your lender would allow you to take with you, and whether borrowing more makes sense for the home you are moving to.
Moving from Basildon to nearby Billericay or Wickford is common, as is moving up from a flat or a smaller home. Larger homes may mean a larger mortgage, so a lender will look again at your income, your outgoings and any other debts. If your current deal has an early repayment charge, we will show you how much leaving early could cost compared with waiting or porting.
How it works
Initial conversation
We look at your current mortgage and your plans.
Compare your options
Porting, a new mortgage, or a mix of both.
Agreement in principle
A lender gives an early indication of what it may lend. This can involve a credit check.
Application
We help you complete the application and provide the documents the lender needs.
Offer and legal work
The lender values the property and your solicitor carries out the legal work.
Completion
Your sale and purchase complete and you move in.
For the full guide, see our Home Movers page.
Frequently asked questions
Should I port my mortgage when I move from Basildon?
It depends on your current rate, the early repayment charge and how much more you need to borrow. Porting is subject to the lender’s approval, so we compare it with arranging a new mortgage.
What if my sale and my purchase complete on different days?
This is common. There are ways to manage the gap, and your solicitor will coordinate the dates. We can explain how your mortgage offer fits, and how long an offer usually remains valid.
Should I port my mortgage?
It depends on your current deal, how much more you need to borrow, and what other mortgages are available. We compare the options and explain which looks best for you.
Will I pay an early repayment charge?
If you repay your mortgage during an early repayment charge period, your lender may charge you. Porting can sometimes avoid this. We will check your mortgage terms.
Important information
- 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 repay your mortgage early.
The information on this page is general and is not advice. Advice depends on your personal circumstances.
Home Movers in other areas
Speak to an Adviser
Interested in Home Movers (Basildon)? Tell us a little about you and we'll be in touch