Services

Mortgage planning when moving home

Coordinate a sale and purchase with existing mortgage balances, equity release dates, overlapping payments and possible bridging or mortgage transfer.

When selling one home and buying another, the total amount is only half the picture: timing matters just as much. Guidance maps both transactions and the transition period, including a delayed sale or proceeds below your initial estimate.

Discuss your situation

Who this is for

Homeowners planning to sell and purchase another property, with or without an existing mortgage.
Buyers considering purchasing before selling who need to test a temporary funding gap without assuming bridging finance will be approved.

What we check together

Payment schedules for both transactions against the existing payoff balance and net equity released by the sale.
Repayment, mortgage transfer or bridging alternatives where lenders permit them, including security requirements and overlap costs.
Delayed-sale, lower-proceeds and temporary-housing scenarios; tax and legal deadlines to verify with the appropriate professionals.

What you receive within the agreed scope

A dated sources-and-payments map identifying gaps that require financing or a change in the plan.
A comparison of transition options and dependencies between lender, lawyer and both transactions; each professional confirms matters within their responsibility.

How to prepare

Existing mortgage balances and tracks, an estimated sale price and anticipated transaction expenses.
Drafts or signed contracts with payment and possession dates, plus the sale's current status. Clearly distinguish expected funds from confirmed amounts.

The process

Put both transactions on one timeline
Map incoming funds against required payments without treating future sale proceeds as cash already available.
Test the overlap period
Examine carrying costs and repayment capacity alongside the availability and conditions of financing alternatives.
Coordinate decision points
Identify lender and lawyer checks before commitments; within the agreed scope, update the map as dates change.

Scope and fees

Fees are individual and depend on case complexity, financing size, lenders and the support needed. The scope, deliverables and fee are agreed in writing before work begins; follow-up work outside that scope requires a separate agreement.

This information is a planning framework, not financing approval or a credit offer. The lender determines eligibility and terms after reviewing documents and the property. No rate, saving or completion date is guaranteed. Legal and tax matters require the appropriate professionals.

Frequently asked questions

Can we buy before selling?

Sometimes, but temporary finance, security and the ability to carry overlapping obligations need assessment. A plan to sell does not guarantee a bridging loan.

Does our mortgage automatically move to the new home?

No. A transfer requires lender approval and assessment of the property and security. Compare repayment and new financing too; transfer is not always possible or preferable.

What if the sale is delayed?

Test beforehand how long the budget can sustain the overlap and what alternatives exist. Contract, tax or payment-date changes require separate review with your lawyer and relevant parties.

Tools and next steps