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.
Moving home?

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

CeMAP Qualified
Owner | Mortgage & Protection Advisor

CeMAP Qualified
Mortgage & Protection Advisor

Mortgage & Protection Administrator
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