1. Lets have a chat
We’ll get to know you, understand your plans and answer any questions you have.
Moving Home
Buying your next home?
Your next move starts with the right advice.
Whether you’re upsizing, downsizing or relocating, moving home comes with plenty to think about. We’ll help make the mortgage side of things simple, so you can focus on the excitement of your next chapter.
Is this the right place for me?
Moving home comes with a lot of spinning plates.
Buying, selling, mortgage applications, surveys, solicitors… there’s a lot happening at once.
We’ll help keep things moving, explain your options clearly, help remind you who does what and be there to guide you through every step.
This page is for you if…
- You’re thinking about moving home.
- You’ve found your next property.
- You’re wondering whether you can keep your current mortgage.
- You’re not sure how much you can borrow.
- You need to sell and buy at the same time.
- You’re looking for someone to help make the whole process feel less stressful.
How we help
What does the process look like?
2. Review your current mortgage
We’ll look at your current mortgage, explain your options and help you decide what works best for your move.
3. Find the right mortgage
We’ll search the market and recommend the most suitable mortgage for your circumstances.
4. We manage your application
We’ll submit everything, liaise with the lender, solicitor and estate agent, and keep everything progressing.
5. Time to move
The best bit!
Why Choose Erskine Financial?
Clear advice, real conversations and support that stays with you from first question to final decision.
- 01Local People.Based in Edinburgh, helping buyers all across Scotland (and beyond!).
- 02No Jargon.We explain things properly, not in mortgage adviser language.
- 03Whole of Market Advice.Access to hundreds of mortgage products from a wide range of lenders.
- 04Start-to-Finish Support.From your first viewing until you collect the keys, we’re with you all the way.
- 05Hundreds of 5-Star Reviews.Real clients. Real experiences. Real results.
Common Questions
Find answers to common questions.
Can I keep my current mortgage?
Possibly. Some mortgages can be ported to a new property, subject to a fresh affordability assessment and the lender’s criteria. We’ll compare porting with taking a new deal, including any fees or early repayment charges.
How much can I borrow?
The amount you can borrow depends on your income, regular commitments, credit history, deposit and the lender’s affordability assessment. We’ll review the full picture and give you a realistic borrowing range before recommending a mortgage.
Do I need to sell my home before buying another?
Not always, but your sale and purchase usually need to be coordinated unless you can fund both properties at once. We’ll explain the mortgage options and the financial implications of buying before your existing home is sold.
How long does the moving process take?
There is no fixed timescale because it depends on the chain, legal work, survey and mortgage approval. Many moves take several months from offer to completion. We’ll progress the mortgage promptly and keep in touch with the other parties.
When should I apply for my mortgage?
Speak to us before you begin making offers so we can assess affordability and arrange an Agreement in Principle if appropriate. The full mortgage application is normally submitted once your offer on a property has been accepted.
What costs should I budget for?
Typical moving costs include solicitor and conveyancing fees, a survey, lender or broker fees, removals and any applicable Land and Buildings Transaction Tax. There may also be estate agency fees and early repayment charges on your current mortgage.
Should I port my mortgage?
Porting can be worthwhile if your current rate is competitive or an early repayment charge applies, but it still requires a new application and may not cover all the borrowing you need. We’ll compare the overall cost with alternative mortgages.
It’s your move.
Whether you’re just starting to look or you’ve already found your next home, we’re here to help make moving home as straightforward as possible. Book your free chat today.
