Moving Home
Helping you find the best mortgage for your circumstances
![](https://capitalassure.co.uk/wp-content/uploads/2023/05/Moving-Home-Mortgages.png)
What is a moving home?
A moving home, also known as a home purchase mortgage, is a loan specifically designed to help individuals finance the purchase of a new property while selling their existing one. This type of mortgage allows homeowners to move to a new property without having to pay off their current mortgage in full.
Key Considerations When Obtaining a Moving Home:
Financial Assessment:
a. Current Mortgage Evaluation: Review the terms and conditions of your existing mortgage, including any early repayment charges or penalties for paying it off early.
b. Affordability: Assess your financial situation, including income, expenses, and any changes in your circumstances, to determine your affordability for a new mortgage.
Property Valuation and Equity:
a. Property Valuation: Obtain a professional valuation of your current property to determine its market value, which will help estimate the equity you can use towards your new property.
b. Equity Considerations: Assess the equity available in your current property and consider how it will impact the deposit and borrowing capacity for your new mortgage.
![](https://capitalassure.co.uk/wp-content/uploads/2023/05/product-switching.png)
![](https://capitalassure.co.uk/wp-content/uploads/2023/05/benefits.png)
Sale and Purchase Timing:
a. Chain Considerations: If you’re part of a property chain, where the sale of your current property is dependent on the purchase of a new one, consider the potential challenges and contingencies involved.
b. Bridging Finance: Explore bridging finance options if you need temporary funding to cover the gap between selling your current property and purchasing a new one.
Mortgage Options and Rates:
a. Mortgage Rates: Research current mortgage rates and compare offers from different lenders to secure the most competitive rate for your moving home.
b. Mortgage Type: Consider the various mortgage options available, such as fixed-rate mortgages, tracker mortgages, or variable-rate mortgages, and choose the one that best aligns with your financial goals and circumstances.
Seek Professional Advice:
a. Mortgage Broker: Engage a mortgage broker with expertise in moving home to guide you through the process, compare offers from different lenders, and ensure you secure the most suitable mortgage.
b. Solicitors and Conveyancers: Seek advice from legal professionals who specialise in property transactions to ensure a smooth and legally compliant transfer of ownership.
Our lenders
![accord mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-01.png)
![barclays bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-02.png)
![aldermore logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-03.jpg)
![bm solutions logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-04.jpg)
![bluestone mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-05-e1669808106656.jpg)
![bank of ireland logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-06.jpg)
![fleet mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-07.jpg)
![halifax bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-08.png)
![foundation home loans logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-09.png)
![hsbc logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-10.png)
![suffolk building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-11.jpg)
![natwest logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-12.png)
![kensington logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-13.jpg)
![nationwide building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-14.png)
![leeds building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-15.png)
![metro bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-16.webp)
![pepper money logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-17.jpeg)
![santander logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-18.png)
![platform lender logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-19.png)
![precise mortgages logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-20.png)
![skipton building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-21.jpg)
![saffron building society logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-22.png)
![the mortgage works logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-23.jpg)
![vida homeloans logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-24-scaled.jpg)
![virgin money logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-25.png)
![West One logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-26.webp)
![Zephyr Homeloans logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-27.png)
![TSB logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-28.png)
![United Trust Bank logo](https://capitalassure.co.uk/wp-content/uploads/2022/11/Carousel-29.jpg)
Why Choose Us?
Capital Assure is an appointed representative of PRIMIS Mortgage Network. As a mortgage broker, we work for you and not the lender.
- Free mortgage advice with the UK’s most comprehensive panel of UK mortgage lenders
- Bad credit, self-employed, visa status, government help schemes, commercial, bridging and specialist finance.
- If you are looking for a loan, equity release or any kind of protection plans, then we have a referral network designed to assist you with the best possible advice
- Just need advice? We are advisors so there is no obligation to use our services, you can just give us a call for a chat without any hard sell.
![](https://capitalassure.co.uk/wp-content/uploads/2022/11/Section-7-scaled-1024x684.jpg)
Happy Customers
Tessa2023-06-04Lawrence, our mortgage advisor was extremely helpful, answering every question we had and he took the time to explain every step along the process. I would definitely recommend Lawrence and Capital Assure.
A Waheed2023-05-15I am using Capital Assure Lawrence Jennings to last two mortgage fixed rate offer and very happy with their services.
Deukumar Gurung2023-05-12Lawrence kept on informed about my ongoing mortgage and gave me perfect advice to reserve advance to secure the right price.
wendy winchester2023-04-13Lawrence was very helpful and exceptionaly efficient would throughly recommend him to anyone looking for a competitive and speedy mortgage
Emily K2023-01-31This is the second time I have used Capital Assure, Lawrence made sure to break down the jargon and was transparent about my options, ensuring I had confidence in my decision.
Mo Ferhatovic2023-01-19Lawrence was very useful in helping me decide how to proceed with my mortgage during the current economic climate. Very professional and knowledgeable service provided with a straightforward application process.
Jalaludin Ahadzada2023-01-15One of the best I can’t fault them at all. Been using this company for 3 years thank youGoogle rating score: 4.9 of 5, based on 21 reviews