Looking to move? Let's get the right mortgage
Changing location or upsizing to your forever home? We search over 100 lenders — including specialists your bank won't tell you about — to find the best deal and often unlock more borrowing than you thought possible.
reviews
searched
moved home
by home movers
mortgage products
your bank won't mention
Your next mortgage, from the whole of the market — not just one bank's shelf.
Why home movers pick Montgomery
We help home movers like you find the right mortgage — and often more borrowing than you expected — in three simple steps. It’s why we’re rated 5.0 on Google.
Tell us about your move
Current home, mortgage, equity, target property, income. Ten minutes over the phone or on WhatsApp — whichever works for you.
We search 100+ lenders
High-street, specialist and lender panels the public can't access directly. We find every route that says yes to your move — porting, top-ups, new deal, let-to-buy — and rank them.
Plain-English advice from a real human
Free 20-minute call with a dedicated adviser. No jargon, no sales pressure, no call centres. Same-day slots available.
Need a bigger budget?
Whether you need to stretch your borrowing or protect the rate you've already got, there are routes most high-street banks won't show you. Here's where we find movers more options.
Porting your mortgage
Take your current rate with youMove your existing mortgage to the new property and avoid early repayment charges — usually with a top-up for the difference.
Higher multiples for professionals
Up to 5.5× incomeDoctors, nurses, solicitors, teachers, accountants and other qualified professionals can borrow up to 5.5× income with selected lenders.
Guarantor & JBSP
Family boost without gifting cashLet family income, savings or property unlock more borrowing — without them handing over a penny.
Deposit Boost
Unlock family equityIf family want to help and own their home, they can release funds to boost your deposit — unlocking better rates or a bigger mortgage.
Let-to-buy
Rent out your current homeRemortgage your current home to buy-to-let and raise deposit for the new one. Useful when porting isn't the best move.
Shared Ownership (staircasing)
Buy a bigger shareAlready in a Shared Ownership home? Staircase up to own more — or move and take Shared Ownership to the new property.
Bridging finance
Buy before you sellShort-term lending to complete on your new home before your current one sells. Not right for everyone — we'll tell you straight.
The ultimate home-mover experience
100+ lenders searched
Whole-of-market — porting, top-ups, new deals, specialist lenders your bank can't access.
Often borrow more
Specialist lenders with more generous criteria — we know who will say yes to your move.
Dedicated adviser
One human by your side from hello to completion day — no call centre roulette.
Free mortgage in principle
Make offers with confidence — estate agents prioritise AIP-backed buyers.
WhatsApp updates
Real-time progress from us, lender, solicitor and estate agent. No chasing, no email ping-pong.
10-day average offer
Average time from full application to mortgage offer is just ten days.
Don't take our word for it
Should I port my existing mortgage or take a new deal?
Depends on the numbers. Porting keeps your current rate (and avoids early repayment charges), but a new deal — especially through a specialist — can sometimes be cheaper overall even after the ERC. We run both scenarios side by side so you can see the real cost of each route.
How much can I borrow when moving home?
Most high-street banks stop at 4.5× income. Specialist and professional lenders go up to 5.5× or 6× income for the right borrower. The equity you release from your current home also plays a role — we'll give you a realistic borrowing figure in a ten-minute chat.
What if I haven't sold my current home yet?
You've got options: let-to-buy (remortgage the current home to buy-to-let and use equity for the new one), bridging finance (short-term cover to bridge the gap), or chain-break deals. Each has trade-offs — we'll tell you straight which fits your situation.
Will checking my move options affect my credit score?
No. Our initial affordability check and agreement-in-principle use soft searches only — no footprint on your credit file.
How long does moving home take?
From accepted offer to completion, typical movers are 10–16 weeks. Porting is usually faster. We manage the lender, solicitor and estate-agent communication so the chain doesn't stall on avoidable delays.
Why use a broker instead of going direct to my bank?
Your bank shows you one lender's shelf. A whole-of-market broker compares 100+ lenders — including specialists with more generous criteria the public can't access directly. That's how movers regularly find better rates or more borrowing than they'd get direct.
Let's get you into your next home
Free 20-minute call with a Montgomery mortgage expert. No commitment, no jargon — just a real plan for your move.
Talk to an adviser today →