Home mover tools
Thinking about moving home? Your next home might already be taking shape in your head — more space, a new area or simply somewhere that suits you better. Explore our tools and calculators to discover, what can I do next?
What’s next for your move?
How much could it cost you to move home?
Get an idea of some of the costs to consider when selling your current home and buying your next one.
Your current home
Let's start with the home you're selling.
We'll estimate these at 1.25% + VAT (1.5% in total). Your actual fee may be higher or lower depending on the agent you choose.
Check your current mortgage if you're unsure. Leave as £0 if this doesn't apply.
Your next home
Now let's look at the home you're hoping to buy.
Based on the property value and mortgage balance you entered. This is before selling costs and any early repayment charge.
Your equity can help you decide how much you may want to put towards your next home. You can also add savings if you plan to use them.
Based on standard residential Stamp Duty Land Tax rates in England and Northern Ireland. Different rates may apply depending on your circumstances.
Your estimated costs
We'll include estimates for some of the usual costs of selling and buying your home.
Legal and removal costs are estimates for illustration. Actual costs will vary depending on the size and value of your properties, the work involved and the services you choose.
A lender's basic valuation may be free, but you may choose to pay for a more detailed survey of the property.
Some mortgages have product, valuation or other fees. I'll help you compare the overall cost when reviewing your options.
Don't forget to allow for anything you may want or need after moving in, from furniture and decorating to those first home improvements.
Potential cost of moving home
Here's how the numbers could look based on what you've entered and the estimates we've used.
YOUR CURRENT HOME
*Estate agent fees estimated at 1.25% + VAT.
YOUR NEXT HOME
*Legal and removal costs are estimates and actual costs will vary. The mortgage required is not an indication of how much you can borrow. Any mortgage is subject to affordability, eligibility and lender criteria.
POTENTIAL MOVING COSTS
A more detailed property survey, any mortgage or product fees, and the cost of furnishing, decorating or making changes to your new home.
This calculator is for general information and illustration only. Figures are estimates and actual costs may be different.
Property value and equity are estimates. Your actual sale price, mortgage balance, charges and costs will affect the amount available.
Stamp Duty is an estimate based on the information entered. Different rates may apply depending on your circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Compare the cost of your new home
Compare some of the essential costs of your current home with your new one and see what your move could mean for your monthly budget.
Your current home
Start with what you currently pay each month.
Include gas, electricity or oil as applicable.
Enter a monthly equivalent if you pay annually.
Think commuting, school runs or other regular journeys that could change when you move.
Add these if they apply to your current home.
Enter the monthly equivalent.
Your new home
Now add what you expect the same costs to be in your new home. If you don't know a figure yet, you can leave it blank.
Enter the estimated monthly payment for the mortgage on your new home.
Think gas, electricity or oil. The property's size and energy efficiency can make a difference.
Enter a monthly equivalent if you've received an annual quote.
Consider whether commuting, school runs or other regular journeys will be longer or shorter after your move.
Add these if applicable.
Enter the monthly equivalent.
Check whether your current provider serves your new address, what speeds are available and whether moving your existing contract will change the price.
What could your move mean each month?
Here's how the home-related costs you've entered compare.
WHAT'S CHANGING?
A FEW THINGS TO THINK ABOUT
Check whether your current provider serves the new address, what speeds are available and whether your price or contract will change when you move.
This is a guide, not a full household budget. It only compares the home-related costs you've entered and doesn't include your wider day-to-day spending.
Future bills are estimates and your actual costs may be different. If you haven't entered a new-home cost, that item won't be used when calculating the difference.
If you'd like to understand what your mortgage options could look like, get in touch.
GET IN TOUCHHow much could you borrow?
Enter your annual income to see some example borrowing amounts.
Lenders use different affordability criteria and income multiples. The amount you may be able to borrow will depend on your individual circumstances, including income, expenditure, financial commitments, deposit and credit history.
These figures are for illustration only and do not indicate that a particular mortgage or level of borrowing will be available. Mortgage eligibility is subject to individual circumstances, affordability and lender criteria.
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
Are you ready to start viewing houses?
Download our House Viewing checklist so you know what to look for when finding your next home.
Frequently Asked Questions
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.