Not Sure Which Option Is Right for You?

Ready to move home with confidence?

Complete the free 1-minute check and get clear, adviser-led insight into your mortgage options before you commit.

Moving home involves more than just choosing a mortgage deal. From deciding whether to port or switch, to understanding what you can afford and how timing impacts your move, there are a number of factors to consider.

Our Home Mover Mortgage Guide breaks this down clearly, so you can understand your options before making any decisions.
Inside, you’ll quickly assess:

• Your mortgage options when moving home
• The pros and cons of porting vs switching
• How affordability is assessed for your next property
• How to time your move to avoid delays
• Common mistakes home movers make (and how to avoid them)

Why Work With Indigo Mortgages?

Indigo Mortgages is part of TRB Financial Services, offering a joined-up approach to property finance. Alongside mortgage advice, their team brings together legal and surveying support under one roof, helping keep your move progressing smoothly from start to finish.

Supporting homeowners across Prescot and the wider Liverpool area, their focus is simple: provide clear, practical advice that helps you move forward with confidence.

When you work with Indigo Mortgages, you can expect:

• Access to a wide panel of lenders
• Clear guidance on your mortgage options
• Support across the full process
• Straightforward, jargon-free advice
• A practical, solutions-focused approach designed to get results

Your home may be repossessed if you do not keep up with repayments on your mortgage. 
Serving Prescot and surrounding areas.
Indigo Mortgages is a trading style of Zeo Finance Ltd, authorised and regulated by the Financial Conduct Authority FCA number 915386. Registered Office: 604 London Road, Davenham, Cheshire, CW9 8LW. Registered in England and Wales. Company Registration Number: 10950796.

Moving Home in Prescot?

Understand Your Mortgage Options Before You Commit to Your Next Property

Port, switch, or restructure your mortgage with confidence. Get clear on what you can afford and the right approach for your move.

✔ FCA-regulated advice
✔ Access to a wide panel of lenders
✔ No obligation, straightforward guidance
✔ For homeowners in Prescot and surrounding areas

Takes 1 minute • No credit impact • No obligation

Why You Should Review Your Mortgage Before Moving

Moving home isn’t as simple as taking your current mortgage with you.

Your circumstances, lending criteria, and rates may have changed since you last applied. Without reviewing your options early, you could face delays, unexpected costs, or limitations when making an offer.

A quick review helps you move forward with clarity - knowing exactly what’s possible before you commit.

What Are Your Options When Moving Home?

When buying your next property, you typically have three options:

Port your existing mortgage
You may be able to transfer your current deal to your new property, but this depends on lender approval and your circumstances.

Switch to a new deal
Repay your current mortgage and take out a new one. This can open up better rates or more suitable terms, but may involve fees.

Restructure your borrowing
Adjust your mortgage to suit your next move, whether that’s borrowing more, changing the term, or reviewing how it’s set up.

The right option depends on your situation, which is why reviewing this early is key.

How Much Can You Borrow for Your Next Home?

Your borrowing capacity may have changed since your last mortgage.

Lenders will reassess your income, outgoings, credit profile, and the current rate environment. This can affect how much you can borrow, and ultimately what you can afford.

Understanding this early allows you to:

• Set a realistic budget
• Avoid delays after making an offer
• Move quickly when the right property comes up

Should You Port or Switch?

This is one of the most common questions for home movers. Porting can seem like the easiest option, especially if you’re on a good rate. But it’s not always straightforward, and you’ll still need to meet lender criteria.

Switching to a new deal can offer more flexibility or better terms, but may involve costs depending on your current mortgage. What looks cheaper upfront isn’t always the best long-term option. Understanding both routes properly helps you avoid costly assumptions.

Timing Your Move Properly

Many people wait until they’ve found a property before reviewing their mortgage. By then, you’re already under pressure. Starting early gives you a clear advantage.

You’ll know your options, understand any limitations, and be ready to act when the right property becomes available. It also helps keep your move on track, reducing the risk of delays within the chain.

Speak to a Prescot Mortgage Specialist

Before you move, it’s worth understanding exactly where you stand.

A simple review can give you clarity on your options, what you can afford, and how to structure your mortgage for your next home.

No obligation • Clear, jargon-free advice • Practical guidance tailored to your situation