I Am Thinking About Moving, Where Do I Start?

Thinking about moving home is exciting — but it can also feel overwhelming. Whether you’re upsizing, downsizing, or relocating for a fresh start, there’s often a big question in people’s minds: where do I begin?

The truth is, one of the most important first steps is to have an early conversation about your finances and mortgage options. Knowing where you stand financially gives you the confidence to make the right decisions as you move forward.

Why Start With a Financial Conversation?

Many people begin their moving journey by scrolling through property websites or booking viewings. While that’s fun and inspiring, it can also lead to disappointment if the financial side isn’t clear first.

An early conversation about your mortgage and finances will:

• ✅ Show you exactly what you can afford before you start house hunting

  
  

• ✅ Help you understand your monthly budget with confidence

  
  

• ✅ Highlight whether you could port your existing mortgage or need a new one

  
  

• ✅ Give you clarity on fees and costs involved in moving

  
  

By sorting the finances early, the rest of the process becomes much smoother.

Other Key Steps to Consider

Once you’ve spoken about your options, here’s how to continue:

1. Clarify Your “Why”

Are you moving to get more space, downsize, be closer to family, or reduce monthly costs? Understanding your reasons helps guide the decisions that follow.

2. Research the Market

Look at different areas, property prices, and what each location offers. With a clear budget in mind, you’ll know which homes are realistic options.

3. Prepare Your Current Home

If you’re selling, small improvements such as decluttering or a fresh coat of paint can make a big impact on attracting buyers.

4. Build the Right Team

Mortgage advice, estate agents, and solicitors all play a role in a smooth move. Having trusted professionals around you makes the process easier and less stressful.

How I Can Help

As an adviser, my role is to make sure you start from a position of confidence. By having that early conversation, you’ll know your financial options, understand what’s realistic, and avoid any surprises along the way.

Moving is a big step — but with the right guidance from the very beginning, it can also be an exciting and positive one.

👉 If you’re thinking about moving, let’s talk early in the process. A simple conversation now could save you stress later and help make your move a success.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership on 05/09/2025