Moving Home Mortgage Cardiff

What to consider when moving home

Your current mortgage: Is there an early repayment charge? Can it be ported to your new property? Does it still fit your plans?
Your new budget: We’ll map out what you can comfortably afford, including fees, moving costs, and a realistic safety buffer.
Product options: We’ll compare staying with your current lender versus taking the new mortgage with a new lender — rates, flexibility, and overall cost over time.
Timing and Logistics: Aligning sale and purchase dates, managing any short term borrowing needs, and keeping your cash flow smooth.

Porting: A Smooth Way to Move Home

Porting simply means taking your existing mortgage with you when you move home.

It’s a feature most lenders offer, and it can be incredibly useful when you’re mid-deal and don’t want to trigger early repayment charges.

How it works

You keep your current rate.
Your existing mortgage deal moves across to the new property.
You still go through a new application. The lender checks your income, credit and affordability again—just to make sure everything still fits.
You can borrow more if needed. If your new home costs more, the extra borrowing usually goes onto a new product at today’s rates.
There may be some fees. Things like valuations or arrangement fees can still apply, depending on your lender.

When porting can be a good fit

You’re tied into a fixed rate with early repayment charges
Your current rate is better than what’s available now

Affordability

There will be various factors to consider and discuss.

Household income

Savings

Outgoings

Price of properties in the area you wish to buy

Our Reviews

Rhian D

A very competent seemless service by Tom at Eden Hawk Financial Solutions. An important asset when organising a mortgage. Thank you.

March 2025

Mr Matheson

Hamed was brilliant. He is extremely personable and accommodating for our first time getting a mortgage. Couldn’t recommend him enough. It really felt like we were in safe hands and the way he went through things has made buying a house a really exciting experience.

February 2025

Keith Cormany

My wife and I were first-time home buyers, and Hamed Redmore provided an extraordinary level of support and advice throughout the process, from the beginning stages all the way until the exchange of contracts. If you’re a first-time buyer (and even if this isn’t your first time buying a home), I highly recommend hiring Hamed to make the process as understandable and navigable as possible.

September 2025

Let to Buy

Keep your current home. Buy your next one. Grow your options.

Let to Buy is a smart solution if you want to move into a new home but keep your existing property and rent it out. Instead of selling, you turn your current home into an investment—and use the rental income to help support your next mortgage.

It’s a popular choice for clients who want flexibility, long-term wealth building, or simply more time before deciding whether to sell.

For mortgage advice, contact our dedicated team on 02920 490 144 or enquiries@edenhawk.co.uk

How Let to Buy works

You switch your current mortgage to a Let to Buy mortgage. This allows you to legally rent out your existing home.
Your rental income is taken into account. Lenders use the expected rent to help assess affordability, making it easier to borrow for your new residential home.
You take out a new residential mortgage for the home you’re moving into. Two mortgages, two purposes—structured in a way that keeps everything manageable.
You become a landlord. That means new responsibilities, but also new opportunities for long-term financial growth.

When Let to Buy can be a great fit

You want to move quickly but your current home hasn’t sold
You’d like to build a property portfolio or start generating rental income
You’re separating or restructuring your living arrangements
You want to keep your existing low-rate mortgage but still move home
You’re planning to sell later, when the market feels right

What we help you with

Assessing whether Let to Buy is the right strategy for your goals
Reviewing your current mortgage and explaining your options clearly
Calculating rental affordability and lender requirements
Arranging both the Let to Buy mortgage and your new residential mortgage
Guiding you through the legal, tax and practical considerations of becoming a landlord
Keeping the whole process smooth, coordinated and stress-free

A smoother move, without having to sell first

Let to Buy gives you breathing room and flexibility—move into your new home now, decide what to do with your old one later.

Moving Home