Home Mover Mortgages

Moving to a new home is an exciting milestone, but it can also be overwhelming—especially when it comes to finding the right mortgage. Whether you’re upsizing for a growing family, downsizing to something more manageable, or simply relocating, securing the right mortgage deal is essential.

Home Mover Mortgages Dunfermline

At Empire Mortgages, we take the hassle out of the process by offering expert, tailored mortgage advice and searching the whole market to find the best deal for you.

With over 60 years of combined experience, our dedicated mortgage advisers will guide you every step of the way, from assessing your current mortgage options to securing the most competitive rates. We’ll handle the paperwork and liaise with lenders, so you can focus on what really matters—settling into your new home with peace of mind.

Your Mortgage Options When Moving Home

When moving house, you have a few mortgage options to consider:

Porting Your Existing Mortgage – Many mortgages are portable, meaning you can transfer your current deal to your new home. This can be beneficial if you’re on a great rate, but it’s important to check with your lender to see if you meet their criteria.

Getting a New Mortgage – If your current mortgage isn’t portable, or you want a better deal, you may need to apply for a new mortgage. We compare lenders across the whole market to find the best rates tailored to your situation.

Additional Borrowing – If you’re moving to a more expensive home, you may need to borrow extra funds. We’ll help assess your affordability and find the right solution to fit your budget.

No matter your circumstances, Empire Mortgages is here to guide you every step of the way.

How We Can Help You

We understand that moving home can be stressful, which is why we aim to make your mortgage journey as smooth as possible. Our expert advisers will:

Assess Your Current Mortgage – We’ll review your existing mortgage to determine whether porting or switching is the best option.

Compare Market Deals – We search across multiple lenders to find the most competitive rates and terms.

Guide You Through Affordability Checks – Lenders assess your income, outgoings, and credit history. We help prepare your application to increase your chances of approval.

Handle All Paperwork – From applications to liaising with lenders, estate agents, and solicitors, we take care of everything for you.

With our expert advice, you can focus on your move while we handle the mortgage side of things.

Steps to Securing Your Home Mover Mortgage

Our process is simple and stress-free:

Step 1: Consultation – We start with a free, no-obligation chat to understand your circumstances, goals, and mortgage requirements.

Step 2: Find the Best Deal – We compare whole-market mortgage deals and present you with options tailored to your needs.

Step 3: Application & Approval – Once you’re happy with a mortgage deal, we manage the application process and keep you updated every step of the way.

With Empire Mortgages, you can trust that your home move is in safe hands.

Contact Empire Mortgages Today

Moving home is an exciting journey, but securing the right mortgage can make all the difference. At Empire Mortgages, we take the stress out of the process by offering expert, whole-of-market mortgage advice tailored to your unique situation. Whether you’re porting your existing mortgage, securing a new deal, or exploring additional borrowing, we’re here to guide you every step of the way. Book a Free Consultation Today and let’s discuss your mortgage options.

We're 5 Star Rated - What Our Clients Say

    
 
 
       Posted on Google  
    Paula Wallace 
 
 
 
 Trustindex verifies that the original source of the review is Google. Craig has been helping us with our mortgage since we bought our first home in 2016. Now we are settling into our second home with yet more excellent service from Craig, Terri and his fabulous team at Empire Mortgages. Highly recommend 😊
  
 
      Posted on Google  
    Lynne S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend! I have had Nathan as my mortgage advisor for a good 4 years. So helpful, always gets the best deals and super lovely and great at what he does! He was with me every step of the way when I was getting my first mortgage, he made it all so easy and no stress at all.
  
 
      Posted on Google  
    Sharon Millen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Always a professional job, great service wouldn't use anyone else - Nathan is fabulous 😀
  
 
      Posted on Google  
    Fraser Allan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant company, always guided me with expert mortgage advice.

Friendly and helpful.
  
 
      Posted on Google  
    Sai Chand A Pinnoju 
 
 
 
 Trustindex verifies that the original source of the review is Google. One year in my new home, and I couldn’t be happier with how smoothly the whole journey went. Thanks to Empire Mortgages Ltd and a special mention to Nathan Hunter for making the mortgage process completely stress-free. I genuinely had to do very little other than trust Nathan and leave everything in his capable hands.

Buying a home can be overwhelming, but having the right person guiding you makes all the difference. A year on, with no issues whatsoever, I can truly say when you choose the right people, you’re sorted for life. Hassle-free, stress-free and highly recommended!
  
 
      Posted on Google  
    Brian Sparling 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can highly recommend both Empire Mortgages Ltd and Nathan Hunter...Nathan made the process really easy and straight-forward, talked through all the options and made some recommendations based on what I needed. He kept me updated on progress even when I was away on holiday. I wont be using anyone else for mortgages now!
  
 
      Posted on Google  
    Laura Pettigrew 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant service from beginning to end. Craig has been our adviser for 10 years and both and the Team done a stellar job as always. I still cannot believe how quick and easy our application to offer journey has been. Thanks again
  
 
      Posted on Google  
    Nicole 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great, thorough, informative service from start to finish. And very personable too!
  
 
      Posted on Google  
    Michael 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nathan and the guys provide a first class service and made getting a mortgage for our first house and easy and straightforward process. They kept us up to date with everything and since then they have helped get us the best deal for us everytime we need to renew.
  
 
      Posted on Google  
    Abbie Pringle 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Nathan at Empire Mortgages Ltd. He has always been a great help. He’s friendly and very informative. We are really happy with the service provided and will continue using Empire Mortgages Ltd in the future.

Home Mover Mortgages FAQs

Can I move my current mortgage to a new home?

Yes, if your mortgage is portable, you may be able to transfer it. We’ll help check the terms with your lender.

What if I need to borrow more for my next property?

If you’re moving to a higher-value home, we can help secure additional borrowing through a remortgage or second loan.

How long does the mortgage process take when moving?

It typically takes 4-8 weeks, depending on the lender and legal process.

Can I get a mortgage if my income has changed?

Lenders assess affordability based on your current earnings. If your income has changed, we’ll guide you through the best options available.

Refer a Friend Scheme

Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.