Mortgages for home movers

Ready for an exciting new chapter?

Whether you are moving home or buying a second home, we offer:

  • New! 95% mortgages
  • A range of mortgages available, including Fee Saver options
  • Competitive rates across our fixed and tracker rate mortgages
  • One free standard valuation

Your home may be repossessed if you do not keep up repayments on your mortgage

Step-by-step process described

Our guide will help to explain the moving process from start to end.

Learn more about the process for home movers

Mortgage types explained

Fixed or tracker? Read about the different types of mortgage that we offer.

Learn more about the different mortgage types

Mortgage calculator

Find out how much you may be able to borrow.

Learn more about how much you may be able to borrow for your first home.

What else to budget for?

Some of the other costs to consider when moving home.

Learn more about other costs when moving home.

Contact us

There's some important information you'll need to provide when you contact us.

You can call us on 0800 923 1536. Lines are open 8am-8pm Monday to Friday and 9am-1pm Saturday (excluding bank holidays). Calls may be recorded.


What are the costs involved with moving home?

Our article, What else to budget for details some of the other costs associated with moving into your new home and may help with planning your big move.

Can I move home during my mortgage deal?

Provided you have had your mortgage with us for at least 6 months, you may be able to transfer your loan from one property to another if you move home. This will be subject to a full financial assesment being carried out and the new property meeting our lending criteria.

How much do I need to save for my deposit?

The minimum deposit you’ll need is 5% of the purchase price. However, if you can contribute a larger deposit, you may be able to benefit from a more attractive interest rate.

Please note that the minimum deposit required differs for new build properties – please contact us to discuss your requirements.

M&S Home Insurance

Find out about M&S Home Insurance, underwritten by Aviva Insurance Limited

Find out moreabout M&S Home Insurance

Ready to apply?

Your home may be repossessed if you do not keep up repayments on your mortgage