Helping you move forward, without stress or surprises

How much can I afford
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You won't find a better deal anywhere else and if you do we will pay the difference!

Moving home isn’t your first time on the property ladder, but that doesn’t make it simple. In fact, moving house can feel more complicated than buying your first, especially when you need to juggle selling, buying, and arranging a mortgage that supports both.

At Jigsaw, we specialise in helping second-time buyers and home movers navigate this process with clarity and confidence. Whether you’re upsizing, downsizing, relocating, or just ready for a change, we’ll guide you through the financial side of your move, from equity and deposits to porting or remortgaging, so you can focus on finding the right place to call home.

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What is a home mover mortgage?

If you already own a home and plan to sell it to buy another, you’re classed as a home mover. Unlike first-time buyers, you have a property to sell, and likely some equity built up, but your mortgage options may depend on how much that equity is, how much you want to borrow, and what your next plans are.

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Why are people moving?

We help home movers with all kinds of goals, including:

  • Needing more space for a growing family
  • Changing school catchment areas
  • Relocating for work
  • Downsizing after children move out
  • Wanting a bigger garden or home office
  • Securing a property with better long-term value

Whatever your reason, we’ll help you match your mortgage to your future, not your past.

What do you need to consider?

1

Your current equity

We’ll help you assess how much equity you have in your current property, which often forms your deposit for the next home. The more equity you’ve built up, the more flexibility you may have when borrowing.

2

Your borrowing capacity

We’ll calculate what you can afford based on your income, outgoings, and financial goals, including any future plans like childcare costs or renovations.

3

Your deposit

Most home movers use the proceeds from their sale as a deposit on their next purchase. We’ll show you how that affects your loan-to-value (LTV), monthly repayments, and interest rate options.

Your mortgage options

You have a few key options when moving:

Porting your existing mortgage

Many mortgages are portable, meaning you may be able to move your current one to your new property. We’ll check whether this makes sense financially, and whether your current lender will approve the new borrowing terms.

Taking out a new mortgage

If porting isn’t the best route, we’ll compare options from across the whole market, including remortgaging with your current lender or switching to a better deal elsewhere.

Top-up or additional borrowing

You may need to borrow more than your current mortgage to buy a larger home. We’ll explain how this works and what impact it has on your affordability.

What are the costs?

Moving house comes with a range of costs. We’ll help you budget accurately for:

  • Estate agent and solicitor fees
  • Stamp duty (based on your purchase price)
  • Mortgage arrangement and valuation fees
  • Removals and setup costs for your new home
  • Early repayment charges (if exiting your current mortgage early)

We’ll break this all down clearly, so you’re not caught off guard later.

How much can I afford
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Our process

Step 1

Initial phone call

We’ll ask a few quick questions and book you in for a full appointment.

Step 1
Step 2

Fact-finding appointment

We assess your income, current mortgage, goals, and equity to create a clear plan.

Step 2
Step 3

Agreement in principle

This gives you a realistic idea of what you can afford before you start house hunting.

Step 3
Step 4

Application & offer

We handle your full mortgage application, deal with the lender, and guide you through until completion.

Step 4
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Ready to move without the stress?

If you're thinking about moving home, now’s the time to explore your mortgage options before you put your current home on the market. A quick conversation could save you time, stress, and thousands of pounds.

Book your free appointment with Jigsaw today, and let’s start planning your next move.

How can we help you?

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Know your budget

Get a quick estimate of your buying power based on your income and budget.

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Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

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See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

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Find out what you can afford in minutes

Understanding what you can realistically afford is the first step toward a stress-free homebuying journey. Our affordability tool gives you a quick and accurate estimate of how much you may be able to borrow based on your income, expenses, and deposit.

It’s completely free to use, doesn’t affect your credit score, and takes just a couple of minutes. Whether you’re a first-time buyer, moving up the ladder, or simply exploring your options, our tool can help you plan with confidence and avoid unwanted surprises later.

How much can I afford
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