     EXCELLENT  
  5.084 reviews

Hearthstone Mortgages is a 5-star rated Home Mover Mortgages broker in Gerrards Cross, Buckinghamshire

Home Mover Mortgages Gerrards Cross

Moving house can be stressful, especially when you're dealing with property chains and porting your existing mortgage. Our home mover specialists make the process simple. Get your agreement in principle today.

Request a callback

Leave your details and one of our local advisers will be in touch, usually within 24 hours, to help you take the next step. Alternatively you can call us on 01753 463391 if your enquiry is more urgent.

     EXCELLENT  
  84 reviews

Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FCA Reference number: 945282).

Here's What Our Clients Say.

      EXCELLENT  
   Based on 84 reviews 
    
 
 
 
   
 
 
      Posted on Google  
  
 
   Aamir Shahmeer 
 9 September 2026
 
 
  Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
  
 
     Posted on Google  
  
 
   Sheikh Ahmad 
 27 August 2026
 
 
  "Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly.
As an first time buyer Thank you so much.
  
 
     Posted on Google  
  
 
   Isabel Giles 
 16 August 2026
 
 
  I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing.

One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive.

I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
  
 
     Posted on Google  
  
 
   Manpreet Sanghera 
 10 August 2026
 
 
  A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
  
 
     Posted on Google  
  
 
   Suraj Kareer 
 10 July 2026
 
 
  I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
  
 
     Posted on Google  
  
 
   Shahid Hussain 
 30 June 2026
 
 
  I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
  
 
     Posted on Google  
  
 
   W Amd 
 3 February 2026
 
 
  I really appreciate
Very quick response
Very professional
👍 sukhraj 👍
  
 
     Posted on Google  
  
 
   Manpreet Grewal 
 6 January 2026
 
 
  First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
  
 
     Posted on Google  
  
 
   Rosina Kapoor 
 6 January 2026
 
 
  Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process.

Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
  
 
     Posted on Google  
  
 
   azi choudry 
 20 November 2025
 
 
  I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

Moving House Without the Stress.

Streamline your property move within Gerrards Cross or to your dream home elsewhere with our specialized home mover mortgage service. We handle complex purchase transactions, mortgage porting, and chain management while securing competitive rates. Our local market expertise in South Buckinghamshire combined with relationships across 90+ lenders ensures smooth property transitions whether upsizing, downsizing, or relocating within the area.

Our mortgage activity at a glance

153

Mortgages completed in 2026.

£27,191,837

Lending secured for our clients in 2026.

£239,643

Average mortgage secured for our clients in 2026.

JavaScript is disabled, so this widget is showing the default year only.

Why clients trust Hearthstone Mortgages.

Mortgages, but not as you know them;

Whole-of-market advice – independent, unrestricted lender access
Same-day agreement in principle – get clarity fast, provided we have your full details
FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience
Property investors advising property investors – we’ve done it ourselves
Specialists in bridging, development & equity release
Award-winning, highly reviewed – verified 5-star Google ratings
Olympic ambition, real-world results – we aim high, deliver better
Film-producer founded – creative, not corporate
FCA regulated & transparent – compliance meets clarity

Proud to support the Local Community.

We proudly support:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

What our clients think:

      EXCELLENT  
   Based on 84 reviews 
    
 
 
 
   
 
 
      Posted on Google  
  
 
   Aamir Shahmeer 
 9 September 2026
 
 
  Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
  
 
     Posted on Google  
  
 
   Sheikh Ahmad 
 27 August 2026
 
 
  "Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly.
As an first time buyer Thank you so much.
  
 
     Posted on Google  
  
 
   Isabel Giles 
 16 August 2026
 
 
  I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing.

One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive.

I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
  
 
     Posted on Google  
  
 
   Manpreet Sanghera 
 10 August 2026
 
 
  A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
  
 
     Posted on Google  
  
 
   Suraj Kareer 
 10 July 2026
 
 
  I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
  
 
     Posted on Google  
  
 
   Shahid Hussain 
 30 June 2026
 
 
  I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
  
 
     Posted on Google  
  
 
   W Amd 
 3 February 2026
 
 
  I really appreciate
Very quick response
Very professional
👍 sukhraj 👍
  
 
     Posted on Google  
  
 
   Manpreet Grewal 
 6 January 2026
 
 
  First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
  
 
     Posted on Google  
  
 
   Rosina Kapoor 
 6 January 2026
 
 
  Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process.

Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
  
 
     Posted on Google  
  
 
   azi choudry 
 20 November 2025
 
 
  I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

Home Mover Mortgages FAQs.

What is a home mover mortgage?

A home mover mortgage is designed for people who already own a property but are looking to move to a new home. It works much like a standard mortgage but involves selling your current property and taking out a new loan (or transferring your existing one) on the next home. Many lenders allow you to port your existing mortgage deal to avoid early repayment charges, though you’ll need to meet affordability and lending criteria again. At Hearthstone Advisory Limited (FCA No. 945282), we help clients review their current mortgage, understand moving costs, and decide whether porting or switching lender offers the best outcome.

How does porting your mortgage work when you move home?

Porting lets you transfer your existing mortgage deal, including its rate and terms, to your new property. Most UK lenders permit this, but they’ll treat it like a new application, reassessing your income, outgoings, and the value of the new property. If you need to borrow more for the move, the extra amount will usually be on a new, separate deal, potentially at a different rate. Our advisers at Hearthstone Mortgages review both parts side-by-side to check whether porting or remortgaging entirely gives you the most flexibility and cost-efficiency.

What costs should a home-mover consider when moving and remortgaging?

Home movers often face a mix of one-off and ongoing costs: estate agent fees, conveyancing fees, surveys, removals, and possibly stamp duty. If you’re changing lender, add in valuation fees, product fees, and early repayment charges (if applicable). Even with porting, it’s important to factor in the total cost of borrowing, not just the monthly repayment. At Hearthstone Advisory Limited, we provide clear breakdowns of these costs upfront so you can move forward confidently with full financial visibility.

What are the differences between upsizing and downsizing when moving home?

If you’re upsizing, you’ll likely need to increase your borrowing, which can mean higher repayments or a longer mortgage term. Downsizing, on the other hand, can free up equity and potentially reduce or clear your mortgage altogether. Lenders will still re-assess affordability, but the financial goals are often very different, from creating more space for a growing family to unlocking funds for retirement planning. Hearthstone’s team helps you understand the best financing route for your next move, ensuring your new mortgage fits your lifestyle and long-term plans.

Local Market Insight For Gerrards Cross

Average property price in Gerrards Cross: £1,180,270
Detached properties sold for an average of £1,621,260
Semi-detached properties averaged £886,000
Flats fetched an average of £596,950
Prices were 2% up on the previous year and 14% below the 2022 peak of £1,366,669

Source: Rightmove Market Trends, Gerrards Cross.

Meet the Hearthstone Mortgages Team.

The Hearthstone Mortgages team is based in Gerrards Cross and supports clients across Buckinghamshire and West Sussex with clear, whole-of-market mortgage advice.