Helping you take the Next Step on your Mortgage Journey - Moving Home, Made Simple.
We'll answer the big question: stick with your current lender, or switch to something better?
Upsizing, downsizing, relocating - there’s a lot going on. Let us handle the numbers and you can focus on the move.
It’s exciting, but it also brings a lot of questions:
Can I port my existing mortgage, or is it better to switch to a new lender?
How do I avoid paying more than I should during the move?
What costs should I plan for?
How do I keep the sale and purchase in sync without the chain collapsing?
At Turkington Davis, our role is to take away the stress. We explain your options in plain English, compare the whole market, and guide you through every step - so you can focus on moving into your new home.
Independent, FCA-authorised mortgage advisors | Trusted by home movers across the UK
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Challenge: Why Moving Home Feels Complicated
When you’re moving home, you’re not just looking for the best mortgage deal. You’re juggling:
Porting vs switching: deciding whether to transfer your current mortgage or take out a brand new one.
Costs: solicitor’s fees, surveys, stamp duty, and potential early repayment charges if you switch lenders.
Timing: getting everything lined up so you don’t land on a lender’s Standard Variable Rate (SVR) or delay your move.
Chains: managing buyers and sellers so everyone completes on time.
It’s no wonder many people say the financing is the most stressful part of moving.
Our Solution: How We Help You
We believe moving home doesn’t need to feel overwhelming. Here’s what we do:
Whole-of-market access - thousands of deals compared, not just from one bank.
Porting vs switching explained - clear, side-by-side advice so you can make the right call.
Personal guidance - a real adviser who knows your case and keeps you updated.
Chain-friendly process - we liaise with lenders, solicitors, and estate agents to keep everything moving.
Forward planning - start 3–6 months before your move so there are no surprises.
Future focus - we make sure your new mortgage fits your long-term financial goals.
We’ll take care of the mortgage - you focus on turning the new house, into a home.
Benefits of Moving With Us
Clarity: know exactly what’s happening, when, and why.
Choice: see all your options, including exclusive deals not available directly.
Savings: switching to the right lender can reduce monthly payments or unlock better terms.
Confidence: move with a mortgage that matches your future plans.
Support: no more chasing solicitors or agents - we coordinate on your behalf.
The Home Mover Journey
Here’s how we make the process straightforward:
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We’ll start with a friendly, no-obligation chat to understand your goals, your current mortgage, and what you want from your next move.
Whether you’re upsizing, downsizing, or relocating, this is where we map out the best route forward - including timelines, budgets, and key milestones.
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Next, we analyse your existing mortgage to see whether porting it to your new home makes sense - or if switching to a new lender could save you money.
We’ll break down the pros and cons, highlight any early repayment charges, and show you the numbers side by side, so the decision is clear and confident.
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Once we’ve found the right path, we’ll secure an Agreement in Principle - confirming how much you can borrow and under what terms.
This gives you clarity on your buying power and allows you to view homes and make offers with confidence, knowing your finance is ready to go.
This is also known as a Mortgage in Principle (MIP), or Agreement in Principle (AIP)
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When you’ve found your new home, we’ll help you structure a strong offer and handle all the supporting documentation.
We’ll prepare your application in full, liaise with the estate agent if needed, and ensure everything is ready to move quickly once your offer is accepted.
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We submit your mortgage application and manage communication with the lender from start to finish.
While the lender carries out a valuation of your new property, we’ll keep you updated at every stage - making sure the process stays on track and your chain doesn’t stall.
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Once the lender approves your application, they’ll issue a formal mortgage offer outlining your rate, term, and conditions.
We’ll review it with you, explain what it means for your finances, and ensure you’re completely comfortable before moving forward.
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Finally, we work closely with your solicitor to align your sale and purchase dates, handle any last-minute requirements, and make sure funds are released on time.
From exchange to completion, we stay by your side - so when you collect your keys, you do so knowing everything has been handled properly.
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The big day - Your old mortgage is paid off, your new one begins, and you collect the keys to your next home - confident that you’ve got the right deal, at the right rate, for your next chapter.
Why Choose Us?
Independent, FCA-authorised advice: we’re not tied to one lender.
Personal touch: a real advisor who understands your case, and your circumstances.
Market expertise: we understand lenders’ criteria and NI-specific differences.
Future-focused planning: your mortgage aligned with your life goals.
Trusted by movers across the UK.
Ready to Take Your Next Step?
Moving home should be exciting, not stressful.
With Turkington Davis, you’ll have a clear plan, independent advice, and someone to keep the process on track.
Home Mover Mortgage FAQs
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Yes. Many lenders allow porting (transferring your mortgage to a new property). But it isn’t always the cheapest option, so we’ll compare both routes.
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It depends on your rate, fees, and new loan-to-value (LTV) the amount you borrow against the value of the property.
Sometimes staying put works; other times, a new lender offers significant savings.
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Ideally 3–6 months before your current deal ends or before your planned move. This avoids delays and costly SVR rates.
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Yes, but it’s more complex. Options like bridging finance or let-to-buy exist, each with pros and cons. We’ll explain what fits your circumstances.
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Budget for solicitor’s fees, surveys, stamp duty (if applicable), moving costs, and possible early repayment charges. Some mortgage products include free legals or cashback.
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We adjust your mortgage to fit your new plans - whether borrowing more, reducing your loan, or changing the term.
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Unusual homes (e.g. flats above shops, listed buildings, non-standard construction) can be more complex. We’ll check lender criteria before you commit.
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Yes. Moving involves full conveyancing. Your solicitor manages contracts, searches, and completion - we will help coordinate this process for you.
More Useful Info for Home Owners
Remortgage Advice - If you’re staying put rather than moving, see how remortgaging could reduce your monthly payments or release equity for future plans.
First-Time Buyer Mortgages - Helping family step onto the ladder? Share our first-time buyer guide for a simple breakdown of deposits, affordability, and the buying process.
Self-Employed Mortgages - If your income comes from your own business, we can help you compare lenders who truly understand self-employed income — even when you’re on the move.
More Useful Info: External Link Suggestions
MoneyHelper – Moving Home Guide - Official guidance from the government-backed MoneyHelper service on budgeting, selling, buying, and switching mortgages when you move home.
HM Land Registry – Selling or Buying a Property - Learn how the property registration process works in England and Wales, including tips to avoid delays during your move.
Your home may be repossessed if you do not keep up with repayments on your mortgage.
The Financial Conduct Authority does not regulate most buy to let mortgages.