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.

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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.

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

Mortgages completed in 2026.

£7,415,013

Lending secured for our clients in 2026.

£181,798

Average mortgage secured for our clients in 2026.

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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:

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.