The amount you can borrow will depend on factors such as your income, existing financial commitments, credit history and the value of the property you wish to purchase. As part of our mortgage advice service, we'll assess your circumstances and help you understand how much you may be able to borrow before you begin your property search.

Many homeowners need to increase their borrowing when moving to a larger or more expensive property. We can help you explore your options, whether that involves borrowing additional funds from your current lender or arranging a new mortgage with a different lender.

Some mortgages are portable, meaning you may be able to transfer your existing mortgage to a new property. If you need additional borrowing, this can often be arranged alongside the ported mortgage. We can review your current mortgage and explain the options available to you.

Timescales can vary depending on the lender, the complexity of your application and the property transaction itself. In most cases, a mortgage offer can be issued within a few weeks, but the overall moving process may take longer. We will keep you informed throughout and help minimise delays wherever possible.

Moving home can involve multiple decisions around selling, buying, borrowing and timescales. A mortgage broker can compare mortgage options from a range of lenders, explain your choices and help manage the process, giving you confidence that you're securing a mortgage suitable for your circumstances.