Thinking about your next move?
Thinking about moving home, or perhaps buying a second home? Your next home might already be taking shape in your head — more space, a new area or simply somewhere that suits you better. The first step is understanding: what can I do next?
Where are you in your home move?
I’m thinking about moving
Not ready to move yet, but curious what could be possible? Understanding the numbers early can put you in a much stronger position. We can look at what your current home could give you towards your next move, giving you a clearer idea of what your next home could look like.
I’m ready to view homes
Let’s get everything in place before you start viewing — from understanding your budget and mortgage options to arranging your Agreement in Principle. That way, when you find the right home, you’re ready to make your move.
My offers been accepted
Found a home you don’t want to miss? Let’s make sure you’re ready to take the next step. We’ll confirm your mortgage position, make sure your Agreement in Principle is up to date and help you understand what happens next — so you can make your offer with confidence.
Your move, step by step
Book a quick call or message us. We’ll get to know your plans and talk through what’s possible before you commit to anything.
Step 1 — Talk to us
Speak to a local estate agent to understand what your current home could be worth. If you’re putting your property on the market, they’ll provide a valuation and help you get it ready for sale.
Step 2 — Value your home
Step 3 — Get your Agreement in Principle
We’ll confirm what you can borrow and get your Agreement in Principle sorted, so you know your budget before you start looking at houses.
We’ll help you value your current home and search for your next one, keeping everything moving in step with your mortgage.
Step 4 — Find your next home
Why move with Hannah Miller Homes?
It starts with your plans
I'll take time to understand your plans before we talk finance.You’ll work with me
One person, from our first conversation through to completion.I’ll keep things moving
Regular updates, clear next steps and no wondering what’s happening.Advice that looks beyond today
I’ll consider what works for you now, alongside where you want to be next.Here when you need me
Ready for your next move or have some early ideas? — I'm here to help you know what's possible.ready to get things moving?
Whether your new home is just an idea or you’re thinking about making an offer, it’s time to get things moving. Get in touch to talk through the next steps for your new home.
Frequently Asked Questions
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Usually, yes. Unless you qualify for an exemption, Stamp Duty Land Tax is payable when you buy a new main residence, based on the purchase price. If you haven’t sold your current home by completion, you may also need to pay an additional surcharge, which can sometimes be reclaimed later. We can talk you through what to budget for.
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Not necessarily, but it affects your options. Being a proceedable buyer (sold subject to contract, or chain-free) makes your offer stronger. If your timing doesn’t line up, options like a bridging loan or a let-to-buy arrangement can help — we’ll talk through what fits your situation.
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Many mortgages are portable, meaning you can transfer your existing rate to a new property. It’s not automatic though, and you’ll usually need to reapply and pass fresh affordability checks. If you need to borrow more, that extra amount is often on a new rate. We’ll check whether porting or switching makes more sense for you.
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It depends on your current mortgage balance, your home’s value, and the price of your next home. Selling usually releases the equity you’ve built up, which can go towards your next deposit. We can work out roughly what you’re likely to have available before you start viewing.
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A bridging loan is short-term finance that ‘bridges’ the gap if you need to buy before you’ve sold, or before your sale completes. It can keep a purchase moving when timing is tight, but it’s a specialist product with its own costs. We’ll only suggest it if it genuinely makes sense for you.
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It varies, but a straightforward move often takes around three to four months from accepted offer to completion, longer if there’s a chain involved. Getting your mortgage and Agreement in Principle sorted early is one of the best ways to keep things moving at your end.
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Often, yes, if your income, equity and circumstances support it. Lenders will reassess your affordability based on your current situation, not just what you borrowed originally. We’ll help you understand realistically how much more you could borrow before you start house hunting.
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It’s stressful, but not the end of the road. If a sale falls through before exchange, you’re not legally committed, so your mortgage offer and purchase can usually be paused or restructured. We’ll help you understand your options quickly so you can decide what’s next.