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Expert Home Movers Mortgage Advice

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Mortgage360 are here to help you make the right choice.

Here at Mortgage360 we pride ourselves on offering tailored advice, coupled with great service. We are mortgage experts, so you can rest assured that you are in safe hands when searching for your new mortgage, whatever your situation may be.

Key Benefits

We are committed to guiding you through one of life's most significant financial decisions.

When it comes to securing the right mortgage, our expert team is here to ensure that you make informed choices tailored to your unique needs.

Access to comprehensive panel of mortgage and insurance products from a dedicated mortgage and protection adviser.
At Mortgage360, we see the bigger picture, helping our clients on their changing home ownership journey.
We believe in making home buying part of the entire family protection concept, providing total solutions designed around individual requirements.

If you’re considering moving home, you’ll be thinking about your existing mortgage and your mortgage options. At Mortgage360, we provide specialised advice for home movers, assessing a comprehensive panel which is representative of the whole of the market.

What is a Home Mover?

So what is a home mover? If you have an existing mortgage on your current property and you’re thinking about moving, you are classed as a home mover.

It may not be necessary to make significant adjustments to your existing mortgage provision, but it is the ideal time to assess your situation and look at your changing requirements.

Making structural changes to your existing mortgage may also mean you need to review other important insurance provisions such as life insurance and income protection. Mortgage360 provide expert advice from a range of market leading providers regarding family protection insurance.

Taking professional advice by consulting mortgage and protection advisers will ensure you take the right steps and make informed decisions, as well as ensuring your new mortgage continues to be affordable in terms of monthly repayments and also matches your changing needs into the future.

How does a Home Mover mortgage work?

At Mortgage360, home mover mortgages are one of our key specialisms. We work with our clients on their home ownership journeys, continuing to advise them as they upsize, downsize, relocate or move to their dream homes. Understanding their individual requirements and preferences is a vital part of the work we do.

Your choices include staying with your current lender and the same mortgage or moving to a new mortgage provider. You may have to pay an arrangement fee for any additional and new borrowing that you take. Staying with the same lender can be easier and sometimes cheaper.

Moving to a new lender can bring a number of advantages too, often including a keener interest rate. At Mortgage360, we’ll advise you on all the pros and cons and help you make an informed decision.

What is porting?

Today’s mortgages are essentially often portable, so if it’s right for you, it can be an easy choice to take your mortgage with you. This can also help retain favourable rates of interest and avoid early repayment charges. If your new home is of similar value, it’s often a good choice.

But if you’re upsizing, then porting your mortgage may not be the right choice and may result in a second loan and additional arrangement fees and administration charges. We’ll look at your current provision and advise you on the best approach to suit your circumstances.

What if my mortgage isn’t portable?

This is where specialist advice is so valuable. Considering all the available options is essential to avoid costly issues like having to pay early repayment charges (ERC) which may be levied by your lender if you pay off part, or all of your entire mortgage earlier than the agreed period.


You may be considering remortgaging at the end of a mortgage deal, if you’ve moved to a more costly standard variable rate, to reduce monthly payments or even to raise money for home improvements. Remortgaging on an existing property is a separate issue to a home mover mortgage, and is covered in more detail here (link to Remortgaging page).

How will the value of my current home affect things?

LTV (Loan To Value) plays a role here. If your current home has increased significantly in price, then your LTV on your existing mortgage will be more favourable and may enable you to secure a better interest rate.

Our expert mortgage advisers will apply their extensive market knowledge to your individual financial circumstances to ensure your new deal reflects your specific requirements.


You may be looking to upsize for a variety of reasons. If your family is growing, you may need more space, or you may want to make room for an elderly relative who needs support.

Upsizing may involve selling your existing home and putting the proceeds towards a bigger property, or alternatively using the equity in your home to provide a deposit on a second home and keeping your original as an investment, with a separate mortgage. In either situation and many more, Mortgage360 will advise and guide you on both your new mortgage and your existing deal.


The reverse of upsizing, downsizing can free up equity in your home and provide you with an opportunity to save money. Typically, this happens for people upon retirement and can have significant implications from a mortgage point of view. As a qualified mortgage and protection adviser, Mortgage360 provides informed advice.

Negative equity

Buoyant growth in house prices in recent years has meant this is less of a common issue for homeowners, but it does still happen. Negative equity means your home is worth less than the original mortgage secured on it, and can create problems if you want to move home or remortgage.

You have options however, including making overpayments to reduce your loan more quickly to even up the balance and take you out of negative equity, improving your financial circumstances.

How can Mortgage360 help home movers?

We understand and can advise on all aspects relevant to home movers, from home mover mortgages to insurance provisions. Complete the brief form to arrange a no-obligation initial consultation.

Expert Home Movers Mortgage Advice

Here at Mortgage360, we can provide expert advice on all your mortgage and insurance needs.

Whether you’re ready to get started on your journey now, or you’d just like a no obligation consultation, we’d love to hear from you…

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There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, however we estimate this to be between £200 and £600.


See what our clients are saying....

Zoe Cameron
September 28, 2023

Great service from Mortgage360, following a recommendation from my financial advisor. They efficiently went through our criteria and found the best mortgage to suit our needs. Their comms are great, they kept me fully informed throughout. Thank you Gavin and Matt.

Barnaby Fox
September 14, 2023

Gavin/the team was extremely efficient and communicative through the whole process, resulting in getting a mortgage at a great rate.

Richard Fryer
June 30, 2023

After working with Matt from Mortgage 360 previously on our first mortgage he shows excellent customer service and caters for the needs of the client. Couldn’t be happier working with Mortgage 360 especially in the current climate as the business answers all the questions asked and takes the customers best interests into account.

Samia Umarq
May 15, 2023

Gav arranged my mortgage he was great throughout the process keeping informed, very friendly and knowledgeable highly recommend him.

R Virk
R Virk
May 10, 2023

Excellent service from Gavin Watson

I contacted Gavin Watson, as I was needing to remortgage my property quickly, as my previous fixed arrangement was due to end within weeks. Therefore, there was a sense of urgency on my part. I need not have worried as Gavin was very supportive and professional from the first contact to the completion of the new mortgage arrangement. He took the time to listen and explain all the options I had and guidance on the best option for my particular circumstance. Gavin ensured the remortgage was completed effectively and efficiently, not to mention, well within the timescale. If you are looking for a professional, who has the best interests at heart for his clients, then look no further. I highly recommend Gavin Watson, if you are in the market for a mortgage. Thank you so much Gavin for such an excellent service.

Angela Holder
Angela Holder
May 6, 2023

Great service from Matt for the second…

Great service from Matt for the second time. He was fast to give advice and extremely efficient in obtaining the best possible mortgage. The whole process was smooth and stress free.

Aiden palmer
Aiden palmer
May 4, 2023

Brilliant service!

Brilliant service!! Gavin has helped us so much to get our mortgage and we couldn’t have done it without him. We will definitely use him again in the future. Thankyou so much!

GALE Boyes
April 21, 2023

Absolutely amazing service from Matt can't thank him enough for securing our mortgage for our forever home considering our past credit history. Thankyou again Matt at pulsar. 100% recommend.

Jamie Chan
Jamie Chan
April 4, 2023

Matt continues to provide exceptional…

Matt continues to provide exceptional client services, and is very diligent in searching the market for the best deal. Highly recommended. Thanks, Jamie

Sue Alexander
Sue Alexander
March 16, 2023

I recommend Pulsar to everyone

I would recommend Pulsar to everyone. Gavin has been amazing helping me to buy my council house. As this is my first home purchase and I’m not young!! He made everything easy to understand and made the mortgage mind field easier to navigate, getting me the best deal. I know that ongoing support is there if and when I need it. Thank you Gavin x

David Ian
David Ian
March 3, 2023

Great service, friendly, prompt and professional personal recommendation led us to…

A personal recommendation led us to Pulsar F. S. Matthew Illingsworth was very helpful, prompt and supportive through the process of obtaining a bridging loan to purchase. The documentation explained our options and laid out the process clearly. Would full recommend to others.

Amanda Underhill
Amanda Underhill
February 27, 2023

Remortgage recommendation

Gavin has been absolutely amazing dealing with my remortgage. Professional but personable from the start, he has been able to secure the right mortgage for me and supported me through the process giving impartial advice and a range of options for me to consider. He’s provided timely support, and has been contactable to answer questions as needed - this has been exactly what I needed during a stressful time remortgaging during divorce negotiations. I’d highly recommend Pulsar Financial Services!

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