Why choose PD Finance for your move
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Whole-of-market lender access
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Personal 1-to-1 advice (phone, video, WhatsApp)
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Evening/weekend appointments available
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Clear plan for timings, valuations and chains
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Specialists in complex income (directors, contractors, CIS)
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FCA-regulated advice via Stonebridge
Your options when moving
1
Port your current mortgage
Keep your existing rate (if allowed) and top-up if needed. We’ll check eligibility, any ERCs, and whether a top-up uses a different rate.
2
Switch to a new lender/deal
Compare rates, fees and incentives (Solicitors/valuation, cashback). Costs vs porting.
3
Let-to-Buy (keep current home, buy new)
If you’ll rent out your current home and buy a new residence, we’ll assess affordability and rental stress tests.
4
Bridging alternatives (when appropriate)
Short-term finance to complete a purchase before a sale—only where suitable and fully explained (costs/risks).
What we handle with you
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Agreement in Principle / MIP
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Accurate affordability & deposit from equity
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Early Repayment Charges and timing
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Valuation, survey choices and fees
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Chain communication with agents/solicitors
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Document prep (payslips, SA302s, accounts, LTD director income)
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Insurance advice (life/critical illness/income protection) if you want it
Typical timeline (guide)
Discovery call & docs checklist (Day 0–2)
AIP/MIP issued (24–48h)
Application after offer accepted (Week 1)
Valuation & underwriting (Week 2–4)
Offer issued (often Week 3–5)
Exchange & completion (solicitor-led)
(Times vary by lender/solicitor—this is just a guide.)
Costs to consider
We do not charge a fee for staying with your current lender (also known as a Product Transfer). Our typical fees are £250 for a remortgage, £500 for a purchase mortgage, and £750 for an adverse credit mortgage; however, this will depend on your circumstances, and the exact fee will be confirmed at your free initial consultation.
Your home or property may be repossessed if you do not keep up with repayments of your mortgage or any other debt secured against it.
You may have to pay early repayment charges to your existing lender if you remortgage.
Not all mortgages are regulated by the Financial Conduct Authority.
Fees & costs to plan for:
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Lender product fee / application fee
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Valuation/survey
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Solicitor/conveyancing costs
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Possible Early Repayment Charge's on your current mortgage
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Stamp Duty (if applicable)
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Moving costs (removals, searches, etc.)
We do not charge a fee for residential mortgages. For more complex cases, a fee may be agreed and disclosed before any application.
Tools & calculators
Explore our interactive tools, our calculators may give a rough guide on borrowing, likely repayments, stamp duty and more.
Please Note: These calculators are for guidance only and do not constitute financial advice. For personalised recommendations, please speak with an adviser.
Reviews
See the experiences and feedback from our clients locally and nationally by checking out our latest google reviews HERE.
ADRIAN WILLMERS
I'm absolutely thrilled with the service I received from Paul at PD Finance! From start to finish, they were professional, knowledgeable, and truly went above and beyond to help me secure the perfect mortgage for my needs. Their expertise and guidance were invaluable, and they made the entire process so much less stressful. I would highly recommend Paul to anyone looking for a trusted and reliable mortgage advisor. Five stars isn't enough - they're truly the best!
FAQs - Home Mover Mortgages
Can I port my current mortgage to the new property?
Often yes, subject to your lender’s criteria and affordability checks. We’ll confirm if porting is available and whether a top-up is needed.
What if I have an Early Repayment Charge (ERC)?
We will carefully calculate the costs involved and discuss them thoroughly with you.
How much deposit do I need if I’m using equity?
We’ll estimate net equity from your sale (after mortgage balance, fees and costs) and confirm how this translates into a deposit for the new purchase.
Can you help if I’m self-employed or a company director?
Yes. We work with many self-employed clients (sole traders, Ltd directors, contractors, CIS) and know what documents lenders require.
What if I’m in a chain?
We’ll coordinate timings and keep communication clear with your agent and solicitor to help keep things moving.
Do you charge a broker fee?
We do not charge a fee for staying with your current lender (also known as a Product Transfer). Our typical fees are £250 for a remortgage, £500 for a purchase mortgage, and £750 for an adverse credit mortgage; however, this will depend on your circumstances, and the exact fee will be confirmed at your free initial consultation.
Your home or property may be repossessed if you do not keep up with repayments of your mortgage or any other debt secured against it.
You may have to pay early repayment charges to your existing lender if you remortgage.
Not all mortgages are regulated by the Financial Conduct Authority.