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Moving House Mortgages

Advice on handling your mortgage effectively when moving home.

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Use our calculator to find out how much you can borrow.

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About Private Finance

Private Finance have been delivering independent mortgage advice since 1999.

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Explore tailored mortgage options for accountants with lenders who understand professional career paths.

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Explore tailored mortgage options for legal professionals with lenders who understand complex career paths.

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Complex Income Mortgages

Learn how non-standard and variable income could support your mortgage application.

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Explore mortgage options for contractors and self-employed borrowers with specialist income assessment.

4.97 out of 5 based on 2,400+ reviews

Review your Mortgage with Private Finance

Whether your current deal is ending or your needs have changed, reviewing your mortgage helps you avoid overpaying and prepare for what comes next.

Rated 4.97 out of 5 from 2,400+ reviews

Mortgage Review

Reasons why you may need to review your mortgage

There are many reasons why you may review your mortgage options, a few examples include:

Your current mortgage deal is coming to an end
You are moving home
A change of mortgage preferences, such as switching to an interest-only or offset mortgage
Move to a flexible mortgage product that suits changing needs or a fixed product for certainty and budgeting purposes
Freeing up equity in your home
Consolidate debts into a single payment
Raise capital for home improvements
Raise funds to buy a second property or buy-to-let investment
Take advantage of improved credit score or increased property value

DEFAULT OPTION, LIKELY HIGHER COST

Doing Nothing

If you let your deal lapse without acting, you’ll typically be moved onto your lender’s standard variable rate. With rates currently higher than most homeowners are used to, that can mean a significant jump in monthly repayments — and most lenders won’t proactively tell you if a better deal becomes available.

WHOLE OF MARKET, PROACTIVE ADVICE

Reviewing with Private Finance

We start the conversation up to six months before your deal ends, compare thousands of deals across the whole market, and keep monitoring rates right up to completion — switching you to a better one if it appears, even after you’ve secured an initial offer.

Why private finance

Expert Advice, Whole-of-Market Access

Reviewing your mortgage can feel like a valuable exercise, but knowing which deal is genuinely right for you isn’t always straightforward. Our brokers assess your circumstances honestly, then do the heavy lifting — comparing thousands of deals across the whole market to find the strongest rate and structure for your needs.

Lender relationships

With over 25 years of close private bank and specialist lender relationships, we know who to approach and how to present your case.

Experience and Expertise

We consider your wider financial picture, partnering with wealth advisers and accountants where useful, so the advice fits both your present and future needs.

Rated 4.97 Out Of 5

An average 4.97/5 from more than 2,000 reviews. We keep the process simple, do the research and paperwork, and keep you updated throughout.

Timeframes

How early can I start considering my mortgage options?

Most lenders allow you to lock in a rate up to six months before your deal ends. There are several benefits to securing a mortgage rate early, especially considering that many options will have free valuations and lender fees that are payable on completion.

If you do secure a rate early, some lenders allow you to switch rate if a better one is available with the same lender. Alternatively, you can switch to another lender too if they offer a better rate or deal, however you should consider the costs and circumstances of doing so.

It typically takes two to three months to complete on a mortgage from offer to completion subject to solicitor involvement. Your Private Finance consultant will endeavour to keep an eye on rates until completion and advise if there are preferable options available to you during this time.

Switching to a lower rate could potentially save you thousands over the fixed term period of a mortgage. It is important to note that most lenders will not monitor the market for you or let you know if a better deal has entered the market.

With so many options available it can be confusing to know which mortgage option is right for you. This is why it’s important to choose the right mortgage adviser to help you navigate the market.

You can call us on 0800 652 0971 or email info@privatefinance.co.uk.

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

The process

Is your mortgage deal coming to an end?

Currently, average mortgage rates are higher than most people are used to and it is likely that when your current deal expires, your new mortgage rate will be higher.

It is important to get in touch with a mortgage consultant at least six months before your current deal ends. This is to ensure that you have enough time to arrange a new mortgage and not risk closing any doors by leaving this too late. Staying with your current lender could mean being put on a high standard variable rate.

Your Private Finance consultant will help you consider your options before your current deal expires and find a new mortgage early. They will also help you compare thousands of remortgage deals across the whole of the market with independent trusted advice.

Your Mortgage

Choosing the right mortgage for you

In a higher interest rate environment and fast changing mortgage market, it can be difficult to know whether it is better to fix your mortgage or choose a more flexible variable rate option.

Fixed and variable rate mortgages both have their benefits and drawbacks, and where one option may be suitable for one person, it may not be suitable for another. Some lenders will also offer a split mortgage, with part of the loan on a fixed rate and part on a tracker rate.

Next steps

Your Mortgage Journey

20 Minute Consultation

Your review starts with a free initial consultation, usually completed on the same day as your enquiry. During this call we’ll understand your current deal, when it ends, and what you want from your next one. All with no obligation to proceed.

Finding Suitable Lenders

We compare over 300 lenders to find competitive terms for your circumstances. Where most brokers can only access around 70 lenders, we compare private banks, specialist lenders, building societies and the high street to find your strongest option.

Leave It To Us

We handle the paperwork, submit your application, and chase the underwriters, valuation, and mortgage offer, keeping you updated throughout. We’ll also endeavour to monitor rates right up to completion, switching you to a better one if it appears.

your next steps

Arrange Your Consultation

Whether you’re ready to proceed or just want to check you’re on the most suitable deal, a call with one of our mortgage experts can help you find the way forward.

Why Choose Private Finance to Secure your Mortgage

Why Choose Private Finance
to Secure your Mortgage

Independent. Experienced. Connected.

Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.

Trusted by over 2,400 happy clients

Bespoke Mortgage Requirements?

Whatever your situation, our premier mortgage team can advise on suitable solutions. We specialise in complex and bespoke mortgage solutions to help you find competitive terms.

Comparing over 300 lenders

Free initial consultation with no obligation to proceed

25+ years of industry experience and relationships

Frequently Asked Questions

What is a Standard Variable Rate?

A standard variable rate (SVR) is a type of variable rate mortgage where the interest rate is set by the lender and can vary over time. Standard variable rate mortgages are often the default rate that borrowers move to once their initial fixed or discounted rate period ends. Borrowers on a standard variable rate mortgage are likely to be paying more interest than necessary.

What is an early repayment charge (ERC)?

An early repayment charge (ERC) is a fee that a borrower may be required to pay to their mortgage lender if they pay off their mortgage loan before a specified period, typically before the end of the mortgage’s fixed or discounted rate period. The specific terms and conditions related to early repayment charges can vary depending on the mortgage agreement and the lender’s policies.

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