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.
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.
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.
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.
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.
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.
Yes, if your mortgage is portable, you may be able to transfer it. We’ll help check the terms with your lender.
If you’re moving to a higher-value home, we can help secure additional borrowing through a remortgage or second loan.
It typically takes 4-8 weeks, depending on the lender and legal process.
Lenders assess affordability based on your current earnings. If your income has changed, we’ll guide you through the best options available.
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.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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