What can I afford after I sell?
We’ll work out how much equity you’re likely to have, factor in fees and moving costs, and show you realistic price ranges for your next home.
Home Mover Mortgage Advice
Moving home? We’ll help you make the right mortgage choice.
Moving home is a big step – and your mortgage should support it, not complicate it. Whether you're upsizing, relocating, or simply looking for a fresh start, we’ll help you find the right mortgage deal to make your move feel as seamless as possible. Based in Thanet, Kent, our advisers will guide you through your options – whether that means porting your current mortgage, switching to a better deal, or even unlocking equity to fund your next home.
Not sure which call you need?
See the difference between Intro & Strategy Calls
Mortgage advice for home movers across Broadstairs, Thanet & the wider Kent coast
Trying to juggle selling, buying and mortgages all at once?
Most home movers we speak to feel pulled in several directions at once: “What can I actually afford when I sell?”, “Should I port my current deal or start again?”, “Could I keep my existing place and rent it out?”.
Our job is to join the dots. We’ll look at the numbers, explain the options in plain English and help you understand how everything fits together – so you can focus on choosing the right home, not worrying about the mortgage in the background.
Should I port or start fresh?
We’ll compare porting your existing mortgage to taking a brand-new deal, including any early repayment charges and the impact on your monthly payments.
Can I keep my current home and rent it out?
We’ll explore Let-to-Buy options , how lenders assess the rent, and what it would mean for deposits, tax and your onward purchase.
What if the timing doesn’t line up?
We’ll talk through chains, bridging gaps and realistic timelines, so you know what to expect and where the pressure points might be.
Your home mover roadmap
From first questions to moving day, here’s how we help you join everything up – your sale, your purchase and your mortgage – so you always know what’s happening next.
Intro Call
A short, informal chat about your move – where you are now, what you’d like to change and any worries you have about selling, buying or the mortgage side of things.
Ideal if you’re at the “thinking about moving” stage.
Strategy Call & Information Gathering
We take a deeper look at your income, existing mortgage, likely sale price, moving costs and goals. Before the call you’ll complete a fact-find and share key documents so we can work with real numbers, not guesswork.
Explore Options: Porting, New Deal & Let-to-Buy
We compare porting your existing mortgage, taking a brand-new deal and, where appropriate, Let-to-Buy if you’re thinking about keeping your current home and renting it out. You’ll see the pros and cons of each route side by side.
Decision in Principle
Once you’ve chosen the most suitable route, we secure a Decision in Principle with a suitable lender so you can view properties and make offers with confidence.
Protection Review
Moving home is a key moment to review life insurance, income protection and critical illness cover. Your existing policies may no longer match your new mortgage, income or family situation. We’ll check everything is still suitable and make recommendations where needed. You can learn more about the types of cover here: Protection Advice.
Offer Accepted & Chain Checks
Once your offer is accepted, we confirm the details of your sale and purchase, keep an eye on the chain and make sure the mortgage plan still fits the agreed figures and timelines.
Applications, Valuations & Lender Checks
We submit your mortgage application (and any Let-to-Buy or related application if applicable), handle lender questions and guide you through valuations and any conditions that crop up.
Legal Work, Exchange & Completion
Your solicitors deal with the legal side while we stay in touch with everyone involved. We’ll help you understand surveys, enquiries, exchange timelines and completion day, ensuring your move happens as smoothly as possible.
Clear timelines, fewer surprises and a calmer move.
Helpful tools while you’re planning your move
Prefer to play with the numbers first? These free tools give you a feel for how different loan amounts, terms and overpayments might look before we talk things through properly.
Monthly Mortgage Payment Calculator
See how different loan amounts, terms and interest rates could look each month on your next home.
Mortgage Overpayment Calculator
Check how small overpayments could save interest and shorten your overall mortgage term.
Mortgage Jargon Buster
Plain-English explanations of the terms you’ll see in your home mover mortgage paperwork.
Stamp Duty Calculator
Work out what you might owe on different purchase prices.
Intro Call vs Strategy Call – What’s the Difference?
Not sure which appointment to choose? These FAQs explain how each call works and what to expect.
Which call is right for me?
In short: if you’re just starting out and want a friendly chat about your options, an Intro Call is perfect. If you’re ready to look at detailed numbers and specific recommendations, a Strategy Call is the better fit.
- Intro Call: informal, around 15 minutes, ideal for early questions and next steps.
- Strategy Call: detailed, up to 60 minutes, includes research, figures and tailored advice.
If you’re unsure, don’t worry – book whatever feels closest, and we’ll make sure the conversation focuses on what matters most to you.
The Intro Call is a short, informal chat designed for those who want to explore their options
before diving into the full mortgage process. It’s a great way to ask initial questions,
understand how we can help, and decide on the best next steps.
The Strategy Call is a more in-depth conversation where we take a closer look at your mortgage goals, financial situation and eligibility. This call helps us outline potential options tailored to you, including indicative affordability and monthly payments.
If you're unsure which to choose, start with the Intro Call – we can always book a Strategy Call when you're ready for more detail.
The Strategy Call is a more in-depth conversation where we take a closer look at your mortgage goals, financial situation and eligibility. This call helps us outline potential options tailored to you, including indicative affordability and monthly payments.
If you're unsure which to choose, start with the Intro Call – we can always book a Strategy Call when you're ready for more detail.
Intro Calls take place either over the phone or via Microsoft Teams.
Strategy Calls are typically held via Microsoft Teams, but if you’d prefer to meet in person at our Broadstairs office, just reply to your confirmation email to let your adviser know.
Strategy Calls are typically held via Microsoft Teams, but if you’d prefer to meet in person at our Broadstairs office, just reply to your confirmation email to let your adviser know.
No, there’s absolutely no cost for any of the mortgage calls. We believe in offering support
and guidance upfront, so you can ask all the questions you need – completely obligation-free.
That’s completely fine. If you’re unsure, just pick the one that feels closest to your situation.
During the call we’ll focus on the goals that matter most to you – and if you’d benefit from a
more detailed Strategy Call afterwards, we can arrange that together.
The Intro Call is a quick, informal chat usually lasting around 15 minutes.
The Strategy Call is more detailed and typically lasts around 45–60 minutes, although we block out 90 minutes to ensure we have plenty of time to explore your situation, assess your options and answer all of your questions.
The Strategy Call is more detailed and typically lasts around 45–60 minutes, although we block out 90 minutes to ensure we have plenty of time to explore your situation, assess your options and answer all of your questions.
After the call, we’ll email you with a summary of what we discussed, along with any next steps.
There’s no obligation to proceed, but if you’re ready, we’ll guide you through the mortgage
process from start to finish.
Of course – life happens. You’ll find a reschedule button in your confirmation email so you can
choose a new time that works better for you.
It’s not essential, but providing documents such as proof of income, your credit report
and recent bank statements before a Strategy Call can be really helpful. It gives your adviser
a chance to review your information and identify any potential hurdles ahead of time, so you
can get the most out of the session.
Meet the team who’ll handle your home move
You’ll always know who you’re dealing with. Your home mover mortgage advice will be handled by James or Rob, with Lucy and Chrissie keeping everything on track behind the scenes.
James Brown – DipFA CeMAP CeRER
Director & Financial Adviser
Financial & Mortgage Advice
James specialises in helping clients see the bigger picture – from structuring your new mortgage around your wider plans, through to long-term financial planning, pensions and later-life lending.
Robert Brown – CeMAP ACA
Director & Mortgage & Protection Adviser
Mortgages & Protection
Rob is calm, clear and detail-focused. He’ll help you understand your options as a home mover, weigh up porting versus new deals (and Let-to-Buy where relevant), and make sure everything is set up properly – with protection advice to keep you and your loved ones secure.
Lucy Baron
Office Manager
Case Management
Lucy keeps your move on track – coordinating paperwork, chasing updates with lenders and solicitors, and making sure you always know what’s happening next.
Chrissie Swain
Admin & Marketing
Client Comms & Resources
Chrissie looks after the guides, updates and little touches that make the moving process feel clearer and more organised from day one.
What our clients say about us
We’re proud to have helped first-time buyers, home movers and remortgagers across Broadstairs, Thanet and beyond. Here’s what some of them had to say:
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.
Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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