When moving home feels like a big leap
You’ve done it before — you already own a property. But now it’s time for a change. Whether you’re upsizing, downsizing, or relocating, arranging the right mortgage while selling your existing home can be daunting.
It’s not just about how much you can borrow — it’s about what you can comfortably afford to repay. After all, there’s little joy in buying the home of your dreams if you can’t afford to truly live there.
You might be unsure about:
- Whether to port your current mortgage or arrange a new one
- How much equity or deposit you’ll have available
- Managing the timing between selling and buying
- Balancing the excitement of moving with the reality of affordability
Buying and selling at the same time can be complex — and without the right guidance, it’s easy to feel overwhelmed.
The risks of going it alone
Many home movers simply stick with their existing lender or make a quick decision to get things done. But that can lead to:
- Paying more interest than necessary
- Being tied to a mortgage that doesn’t fit your new circumstances
- Missing out on better rates or more flexible features
- Struggling with affordability if income or expenses have changed
A rushed or poorly structured mortgage can turn an exciting move into an expensive mistake.
How I will help you
I’m Toby Keate, independent adviser at Taylor James Financial Services. I’ll help you understand your options clearly, ensuring your new mortgage is both suitable and sustainable.
Here’s how I’ll support you:
- Understanding your goals — why you’re moving, what you’re buying, and what matters most to you.
- Assessing your current deal — checking if porting your mortgage makes sense or if switching could save money.
- Real affordability advice — calculating not just what you can borrow, but what you can comfortably repay each month, without stretching yourself too thin.
- Whole-of-market search — comparing deals from a wide range of lenders, not just your current bank.
- Clear, practical guidance — explaining every option in plain English, including fixed, variable, and tracker rates.
- Full support to completion — handling paperwork, liaising with lenders and solicitors, and keeping your move on track.
You’ll deal directly with me throughout — no handovers, no call centres.
What you can expect
With my help, you can:
- Secure a mortgage tailored to your needs and lifestyle
- Ensure your repayments remain affordable long after you move
- Avoid unnecessary fees or interest costs
- Keep your sale and purchase aligned, with minimal stress
- Move home with clarity, confidence, and peace of mind
Ready to make your move?
Let’s talk about your plans and see what’s possible. I’ll help you find the right mortgage, keep it affordable, and make your move as smooth as possible.
Call: 0203 859 3320
Email: contact@taylorjamesfs.co.uk
Please remember: your home may be repossessed if you do not keep up repayments on your mortgage.
FAQs
It’s a mortgage designed for people who already own a property and are buying a new one. You can either port your existing mortgage or apply for a new deal depending on what’s best for you.
Porting allows you to transfer your current mortgage to your new property. It can be a smart option if your existing rate is competitive — but it isn’t always the most cost-effective choice. I’ll help you compare both options.
That depends on your income, deposit, and equity — but just as importantly, we’ll look at what you can afford to repay. My goal is to help you buy a home you can enjoy living in, not just owning.
In some cases, bridging or temporary finance may be needed. I’ll explain all your options clearly and help you plan your timing carefully.
Yes, you should allow for valuation fees, legal costs, stamp duty, and any exit or early repayment fees from your current mortgage. I’ll ensure everything is included in your financial plan upfront.
Yes. I work with a wide range of lenders — including those who take a flexible approach — and can usually find a suitable option.
FAQs
It’s a mortgage designed for people who already own a property and are buying a new one. You can either port your existing mortgage or apply for a new deal depending on what’s best for you.
Porting allows you to transfer your current mortgage to your new property. It can be a smart option if your existing rate is competitive — but it isn’t always the most cost-effective choice. I’ll help you compare both options.
That depends on your income, deposit, and equity — but just as importantly, we’ll look at what you can afford to repay. My goal is to help you buy a home you can enjoy living in, not just owning.
In some cases, bridging or temporary finance may be needed. I’ll explain all your options clearly and help you plan your timing carefully.
Yes, you should allow for valuation fees, legal costs, stamp duty, and any exit or early repayment fees from your current mortgage. I’ll ensure everything is included in your financial plan upfront.
Yes. I work with a wide range of lenders — including those who take a flexible approach — and can usually find a suitable option.