home movers
Your Next Move Made Simple
Moving home is an exciting milestone, but arranging the right mortgage can sometimes feel stressful. At Blue Sky Mortgages, we make the process straightforward by offering independent, whole-of-market advice, helping you secure a mortgage that suits both your new property and your financial goals.
Whether you’re upsizing, downsizing or relocating, we guide you through every step with clear, supportive advice.
Clear, independent guidance for home movers.
As independent, whole-of-market advisers, we’re not tied to any bank or lender, meaning the advice you receive is entirely impartial and focused on securing the right mortgage for your next home.
We review rates, fees, incentives and product features across a wide range of lenders, explaining each option clearly so you can make informed decisions with confidence.
Our aim is to make your home move as smooth, transparent and tailored as possible — supporting you at every stage of the process.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it, to understand more please click here.
Independent mortgage advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
Moving home doesn’t have to feel complicated. We provide clear, supportive mortgage advice to help your move run smoothly from start to finish.
your friendly guide
How We Help Home Movers
With many moving parts involved in buying and selling, we ensure your mortgage is one thing you don’t need to worry about.
- Independent, whole-of-market mortgage advice
- Review of your current mortgage and remaining deal
- Guidance on porting your existing mortgage if suitable
- Clear explanations on fees, affordability and timelines
- Support coordinating your mortgage with your sale and purchase
- Friendly advisers available 24/7, in person, online or over the phone
We keep everything simple and transparent so you can focus on your move.
Your Mortgage Options Explained
We help you explore the options that suit your financial plans and long-term goals.
Fixed-Rate
Secure a stable monthly payment for a set term — ideal for budgeting.
Tracker
Your rate moves in line with the Bank of England base rate, meaning payments can rise or fall.
Variable-Rate
Rates set by the lender, offering flexibility but with changing payments.
Specialist Deals
Some lenders offer exclusive products designed specifically for home movers.
Your first home doesn’t have to be complicated — we’re here to guide you through every decision.
Step-by-Step Guide for Home Movers
Moving home can feel like a big task, but following a clear plan helps everything run smoothly. Here’s a simple step-by-step guide to support you through the process:
Review Your Current Mortgage
Check the terms of your existing deal, including any early repayment charges, and find out whether your mortgage can be ported to your new property.
Confirm Your Budget
Assess how much equity you have, what deposit you can put towards your next home, and what you can comfortably afford each month.
Secure an Agreement in Principle (AIP)
An AIP gives you an indication of how much you can borrow and shows estate agents and sellers you’re a committed buyer.
Start Your Property Search
Browse online listings, speak to local agents and arrange viewings for homes that meet your needs, location preferences and budget.
Make an Offer
Once you find a property you love, submit an offer through the estate agent. Be prepared for negotiation depending on demand and market conditions.
Appoint a Solicitor or Conveyancer
After your offer is accepted, instruct a solicitor to begin the legal work, including searches, contracts and enquiries.
Arrange a Property Survey
A survey helps highlight any structural issues or repairs needed, giving you reassurance before you commit to the purchase.
Submit Your Full Mortgage Application
With the offer agreed, we’ll help complete your full application and gather the necessary documents for your lender.
Exchange Contracts
At this stage, you’ll sign contracts, pay your deposit and agree a completion date. The transaction becomes legally binding.
Completion & Move-In Day
Your solicitor transfers the mortgage funds, and you collect the keys to your new property. You can now move in and make it your own.
Make Informed Decisions with our Simple Calculators
Moving Home Checklist
- Review your mortgage and check if porting or switching suits you.
- Secure a Mortgage AIP to confirm your borrowing capacity.
- Research areas and view properties that meet your needs.
- Submit an offer once you’ve found the right home.
- Appoint a solicitor or conveyancer to handle the legal process.
- Arrange for a survey to check the condition of your new home.
- Agree a completion date and book a trusted removal company.
- If renting, inform your landlord; if selling, prepare your property for the move.
- Start organising your belongings, clearing out anything you no longer need.
- Set up utility accounts for your new home and update your details.
- Exchange contracts and pay your deposit once all checks are complete.
- Put buildings and contents insurance in place before moving day.
Whole-of-market access to an extensive range of mortgage products.
FAQ
Your Mortgage & Insurance Questions Answered
This depends on your current interest rate, early repayment charges, borrowing needs and the deals available elsewhere. We compare both options side by side so you can make an informed decision.