help@gemstonemortgages.co.uk 01206 564776

Home Mover Mortgages

With so many mortgage loans available on the market, tackling the search for one that suits your needs without the expertise of a mortgage broker can be challenging and time-consuming – we’re here to help.

Your home may be repossessed if you do not keep up repayments on your mortgage.

With so many mortgage loans available on the market, tackling the search for one that suits your needs without the expertise of a mortgage broker can be challenging and time-consuming.

As your mortgage is likely to be your biggest outgoing for an extended period of time, it’s important you have the right information on the most suitable deals before you make your final decision.

When you are a home mover, you are likely to have a number of different lending options available to you. Moving home is a great time for some financial advice to fit your mortgage around your lifestyle, and we have lots of options to find you the best deal.

Changing your mortgage

You may be keen to stay with your current lender without question when you move to a new house, but it always best to thoroughly explore the market each time you move.

If you are moving to a more expensive property, you may need to increase the size of your mortgage loan. This means you will need to meet the lender’s new borrowing criteria for the extra amount. The borrowing criteria could be more in-depth than you expected from your current lender, so you should take this into consideration.

Knowledge is power, so it is key to know what exactly your current lender is offering and how that compares to what else is available. There are plenty of mortgage comparison tools available online that imply they can help you find the best deal, but they really don’t.

We work with you to fully consider your unique circumstances and investigate the whole market to find the best possible mortgage for you. Together, we can explore a multitude of options including fixed-rate, capped, tracker, interest-only or offset mortgages to find a solution that suits your needs both now and in the future.

Porting your mortgage

You may be wondering whether porting your mortgage is the right option for you. Porting is a great flexible feature if you are considering staying with your current lender and on your current deal but may be a challenge if your personal circumstances have changed e.g. you earn less, you’re self-employed or you have acquired debt.

If you want to find out which mortgage option best suits you, we can help. Talk to us in confidence about finding a home mover mortgage.

Looking for clarity in the mortgage market? Let our expert team guide you.

Get in touch

Searching for clarity in a crowded mortgage market can be daunting.

Why not let our expert team guide you?

Don’t take on the stress of single-handedly organising your mortgage loan. Come directly to Gemstone and we’ll find the right policy to suit you and your home.

01206 564776 help@gemstonemortgages.co.uk
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Based on 63 reviews.
Chaay Cattaneo
Chaay Cattaneo
2021-08-12
recommendsVerified
Worked really well with me and my partner very helpful couldn’t asked for a better experience! Highly recommend! Thankyou guys!!! 🤩🤩
Karen Lucas
Karen Lucas
2021-08-10
recommendsVerified
Great service, very knowledgeable and helpful. Thanks for all of your help and support! 😊
Connor Chapman
Connor Chapman
2021-07-19
recommendsVerified
Friendly, reliable and hard working! Thanks team!
Roya Collins
Roya Collins
2021-07-11
recommendsVerified
Absolutely outstanding service from Gemstone, spoke to many others before Gemma and they were all either negative or uninspiring! Gemma got us our mortgage agreed and an offer within an hour - it was out of this world!! Would recommend her and her lovely team (Hollie and Emma) to anyone and everyone. We have rented for years and we now have our own home which we exchanged on within 4 weeks. Gemma made me feel confident in her knowledge and ability to place the mortgage with the right lender and I will never be able to thank her enough. Roya & Brett Collins
Katie Buckle
Katie Buckle
2021-07-05
recommendsVerified
As first time buyers we could not have wished for a better mortgage broker to go with then Gemstone. So wonderfully knowledgable, professional and helpful from the get go we will 100% recommend them to all family and friends. Not forceful with their sales techniques but instead tell you your options, advise you what would be best for your situation and leave you to make any ultimate decisions. This is much unlike a number of other mortgage brokers who tried to distastefully force their services on us, this was one of the main reasons that led us to choose Gemstone. We have worked very closely with Hollie, who has shared our excitement with us, good news and assisted us with endless questions, queries and updates whenever we had something we wanted to know! We are so happy we have started our first journey to becoming home owners with Gemstone and the entire process has truly seemed like a breeze. Thank you Gemstone, Liv and especially Hollie! Katie and Thomas x (Soon to be first time proud home owners)
Kate Everett
Kate Everett
2021-07-02
recommendsVerified
Not only did Gemma and the team complete our complex multi-property mortgage offer in less than a month (and just 48 hours for the offer in principle), they have made the whole process so easy. I have already recommended Gemstone to friends - one of whom was assured by another broker that she could only borrow a low amount at a high interest rate. Gemstone's help has changed everything for her. I could go on, but I can only say this is an incredible company whether you are a first-time buyer, remortgaging or looking for a buy-to-let mortgage. Thank you so much - you are all just amazing!
Gina Moss
Gina Moss
2021-06-29
recommendsVerified
Thank you to Gemma and her team for the amazing support and advice over the last year. You have always been so approachable and friendly, and always happy to help at short notice. The service was professional and reliable, my husband and I would definitely recommend Gemstone Mortgages. Thank you also for the beautiful moving in, gift box! This was a wonderful surprise that arrived the day after we moved into our new home, what a lovely touch!
John Aves
John Aves
2021-06-29
recommendsVerified
Gemstone should be the only broker you consider. They have Experience in abundance, they're on hand to help with any query (no matter how silly you think it might be) and they're incredibly knowledgeable in their field. Gemstone came highly recommended to us by several people, and having experienced their service first hand, I can understand why and I'll be recommending them to everyone I know. Hollie, Emma and the team made the process of buying a house so much easier, we would certainly have been lost without their guidance.
Mollie Cocks
Mollie Cocks
2021-06-23
recommendsVerified
I couldn’t recommend Gemstone Mortgages enough. So happy with their service, they was there whenever we needed them. They fought for us and got us our mortgage offer. Will be forever grateful. 1000000% be recommended them to family and friends. 🌟🌟🌟🌟🌟 Again thank you for everything💕
Kate Ivy
Kate Ivy
2021-06-02
recommendsVerified
The team at Gemstone Mortgages are all brilliant. Within a day of someone recommending them to us, we had spoken with both Gemma and Hollie and made a plan of action for our mortgage application. Our previous mortgage experience had been stressful and drawn out but Gemstone made the whole experience quick and easy. They offered amazing advice and support. Whenever we had a question, they were always quick to respond and nothing was too much effort. I would thoroughly recommend them to anyone!