Moving home?

Let’s get you moving

Nicola McKinley

Hi I’m Nicola and I’ll be your first point of contact at Cooper Rose. I can’t wait to put you in touch with our friendly, knowledgeable and impartial advisors.

P.S. Don’t worry if you’re not sure about moving home, we’re happy to help!

Your mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage or any other debt secured against it.

The Financial Conduct Authority does not regulate some forms of Buy to Lets.

Welcome to Cooper Rose

We love helping people move on to their next home

Moving home is a big step. Maybe the family’s growing, or you’re just ready for somewhere new.

We’ll help you find a mortgage that suits your next move. There’s a lot to sort out, and we’ll be with you every step of the way.

Family sitting on the floor unpacking boxes in their new home

Your Move

There are so many different options

Porting your mortgage

If you already have a mortgage, you may be able to take it with you. This is called porting.

We’ll check what your current lender allows and whether it’s the right option for you.

Early repayment charges

Leaving your current deal before it ends can mean paying an early repayment charge.

We’ll go through the timing with you so you know what to expect.

Affordability

Moving up the ladder often means borrowing more.

We carry out a no obligation affordability check, so you know your budget before you start viewing.

How It works?

We're ready to help you take the next step

We're aware of how important your mortgage is to your ongoing financial health. If you're at all worried about anything at all, just give us a call. We're happy to advise on your circumstance, no question is too small and definitely not trivial (plus you're safe with us, we've heard it all before 😉).

Step 01 - Get in touch

Call, email or send a message on our social channels. We will be back in touch with you as soon as possible to get some basic info to enable our super star advisors to hit the ground running. 

Step 02 - Let's have a catch up

One of our lovely team (see below) will spend some time getting to know your circumstances. We will then find the most suitable mortgage and protection products based on your circumstances.

Step 03 - Let's get going!

This is the exciting part!... Once you're happy with everything we have presented, we will then send off to the lenders. It won't be long until we have that all important Decision in Principle.

Home Mover FAQs

Questions we get asked a lot

No question is too small and definitely not trivial, so if yours isn’t answered here, just give us a call.

Can I take my mortgage with me when I move?

Often, yes. This is called porting, and many mortgages can be moved to a new home.

You’ll still need to pass the lender’s checks on the new property and your circumstances now. We’ll check whether porting is possible and whether it’s the right option for you.

Will I have to pay an early repayment charge?

If you’re still in a fixed or discounted deal and you pay it off early, you may have to pay an early repayment charge. Porting your mortgage can sometimes avoid it.

We’ll go through the timing with you so you know what to expect.

Can I borrow more when I move?

Possibly, if you pass the lender’s affordability checks. If you port your mortgage, the extra borrowing is often on a separate deal with the same lender.

That can mean two deals ending at different times. We carry out a no obligation affordability check, so you know your budget before you start viewing.

When should I get in touch?

As soon as you start thinking about moving. That gives us time to look at your current mortgage, any charges for leaving it and what you can afford.

Ideally before you fall in love with a house!

What costs should I budget for when moving?

As well as your deposit, you’ll need to budget for solicitor’s fees, a survey, stamp duty and removals. If you’re selling, there are estate agent fees too.

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £395 to £595 and this will be discussed and agreed with you at the earliest opportunity.

The Cooper Roses

Meet the Team

Louise Havelock Owner Cooper Rose Mortgages

Louise Havelock

CeMAP Qualified

Owner | Mortgage & Protection Advisor

Janet Simmons Cooper Rose Mortgages Newcastle

Janet Simmons

CeMAP Qualified

Mortgage & Protection Advisor

Nicola McKinley Cooper Rose Mortgages in Newcastle

Nicola McKinley

Mortgage & Protection Administrator

Our Clients are the best!

Our Google Reviews

  • Paul Davison

    8 September 2026

    The only real positive to come out of such a challenging house move was having the pleasure of working with Louise and Nicola from Cooper Rose. Our house move was incredibly complicated and spanned over a year, but throughout the entire process, Louise and her team were there to support us, provide advice and guide us through everything from mortgages and life cover to securing new rates, amendments, changes and alterations — the list honestly goes on! Despite the complexity of our situation, they handled everything with incredible efficiency and professionalism, while still maintaining such a personal and caring approach. Their support made a huge difference and kept us persevering when the house move felt like it might never happen. Their communication was exceptional, with emails and phone calls often being responded to within minutes. We genuinely couldn’t have asked for better service or support throughout what was, at times, a very stressful process. We are extremely grateful to Louise, Nicola and the whole team for everything they did for us. We will absolutely continue to work with Louise and her team in the future and would have no hesitation whatsoever in recommending Cooper Rose to anyone. Thank you so much!

  • Alana Bradley

    29 July 2026

    Without Louise and cooper rose we were completely clueless when it came to buying our first home. When it came to figuring out what we could afford, finding the best rates applying for our mortgage, and getting all our insurances arranged, we didn't know where to even begin. Louise spent some much time with us to go through and explain everything and what our options were and always had our best interests in mind. The service provided went beyond what we ever expected and we can whole heartedly say that without her we would have never got through the process of buying our home. Going to Cooper Rose is the best decision you can possibly make, otherwise you'll be left with mountains of stress!

  • Matt Dykes

    20 July 2026

    Louise and her team are utterly fantastic. When we first enquired with her about getting a mortgage in principal sorted it was just before all the chaos in Iran which drove interest rates up. She and her team worked incredibly hard to get our application in before the interest rates were updated and secured us the lower rate of interest. I cannot recommend this company enough. We needed a witness signature and Louise was more than happy to do this for us as well without any request for a fee. Seriously, if you're needing a new mortgage for any reason do yourself a favour and reach out to Louise. You won't regret it.

  • Jason Brogan

    6 May 2026

    Thanks so much to Louise and the team for helping to sort my remortgage. It was a little tricky and took along time with the issues we had but we got there in the end. Thank You

  • Kimberley Brannan

    5 May 2026

    Thank you Louise and the team for all of your help when purchasing my house. Your attention to detail is second to none, thank you for such a seamless process!

  • Frazer Vodden

    25 April 2026

    Louise and Cooper Rose were absolutely fantastic. As first time buyers we were fully supported throughout the buying process. Louise was always on hand to answer any questions we had. We were also supported with picking out the right insurances for us which gave us peace of mind. I couldn't recommend Cooper Rose enough if you're looking for a Mortgage Advisor.

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The reviews displayed reflect the client's individual experience and may not be representative of all clients.