- Europa House, Marsham Way Gerrards Cross, SL9 8BQ
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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.
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Call 01753 463391 or just pop in your details below and one of our expert mortgage advisers will personally reach out to help you take the first step.
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.
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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.
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.
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.
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.
Meet the experts behind our success. Each adviser at Hearthstone Mortgages holds CeMAP or higher-level certifications, real property experience, and deep knowledge of specialist lending. This includes buy-to-let portfolios, bridging finance, equity release, and commercial lending.
CeMAP
Founder and Managing Director
Ajay is the Managing Director of The Hearthstone Group, who excelled in the mortgage advisory space leading him to founding Hearthstone Mortgages in 2019. In addition to being at the top of the game in the UK advising on mortgages, bridging loans, protection and more, Ajay has built his own property portfolio across the UK. He has spoken on numerous panels throughout his career to fellow investors and mortgage lenders, and is a highly valued spokesperson for one of the most active property networks around.
Ajay’s fuel for helping as many people as possible drives him to continue growing the Hearthstone brand making sure that the knowledge he and his team share with clients is invaluable, creating possibilities that seem unattainable.
When he’s not securing property dreams for himself and mortgage clients, Ajay can be found hanging around the film studios as an actor and multiple award winning producer with over 20 projects to his name.
CeMAP, CeRER, PhD
Office Manager and Senior Adviser
Jordanne is an award-winning and highly experienced Senior Adviser across mortgages, equity release, commercial property, bridging, development finance, protection and will writing. Jordanne oversees the day-to-day operations at Hearthstone Mortgages; her drive to help her clients achieve their dreams is unmatched and her constant praise and reviews speak for themselves.
Additionally, Jordanne is a tennis 4x Paralympic medalist and 13x Grand Slam champion, having competed at the highest levels, prior to bringing her quite literally Olympic level ambition to Hearthstone.
CeMAP
Specialist Mortgage & Development Finance Adviser
Jamie brings a unique edge to Hearthstone Mortgages, combining a deep understanding of property finance, construction, and investment strategy. Before joining the industry, Jamie spent several years working hands-on in the construction sector — giving him a practical, ground-level insight into how property really works.
As a buy-to-let investor and adviser, Jamie specialises in helping landlords, developers, and portfolio clients across the South Coast and South East secure finance for everything from single-unit lets to multi-million-pound development schemes.
Jamie’s advice is always direct, strategic, and rooted in real-world experience. Whether you’re navigating complex lending criteria or looking to scale your portfolio, Jamie works to cut through the noise and deliver results, not jargon.
He primarily supports clients in Chichester, Bognor, Portsmouth, Southampton, Brighton, Hove, Eastbourne, and across the GU, RH, KT postcodes in Surrey, as well as Bournemouth.
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