A remortgage close to a house move can interact with legal work, fees and early-repayment terms. Establish your likely sale and purchase timing before committing to a new arrangement, then discuss the uncertainty with the lender or a suitably authorised adviser.
Map the dates and costs
- End of the current deal and the rate applying afterwards.
- Expected sale and purchase milestones.
- New product fees and any early-repayment period.
- Portability conditions and treatment of a timing gap.
- Legal or valuation work that may be needed more than once.
Compare scenarios over the same period and show what remains uncertain. A lower payment today can be only one element of a choice that affects a near-term move. Do not assume a future sale will remove a charge or qualify for a refund.
Use the lender's actual documents and MoneyHelper's mortgage information. The deal comparison tool performs entered arithmetic and cannot decide the right timing or product for your circumstances. Keep the moving plan updated once the finance arrangement is confirmed.
Put it into practice
Use the mortgage deal cost comparison to organise your own figures or next steps. Keep its assumptions alongside your plan.