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Moving Home or Your Mortgage

While moving home can be stressful, getting the right mortgage doesn’t have to be. You may be thinking about taking your current mortgage with you or you may just want to remortgage.

At the Melton, we understand that situations change which is why we offer expert advice and a range of fixed rate, discounted and low deposit mortgages.

With our discounted variable rate mortgages, you get a guaranteed discount off our Standard Variable Rate for the duration of your product. Deposits start at just 5%. If you prefer the certainty of knowing your monthly payments won’t change, our Fixed Rate mortgages will give you peace of mind throughout the duration of the product.

Already decided to move house?

You may want to keep your current deal if you’re on a good rate. There are things to consider, such as whether your new property has a higher value and how many years you have left on your mortgage term.

Keen to remortgage?

This is a good opportunity to get a lower interest rate or an all-round better deal. An Independent Mortgage Broker can talk you through any exit fees, arrangement fees or penalties (sometimes you’re actually better off staying with your current deal, especially if your circumstances have changed).

Benefits of remortgaging

  • You could reduce your monthly repayments
  • You might release some of the value in your property
  • To find a more suitable product due to a change in your circumstances.

Check out our useful Guide to Remortgaging – it will help you focus on what’s involved.

Take a look at our current mortgages for moving home or moving your mortgage below.

Mortgage Product Maximum Loan to Value Initial Rate Followed by our Standard Variable Rate The overall cost for comparison Product Fees Deposit amount
3 Year Discounted Rate 2.79% 95% 2.79% 4.99% 4.6% APRC

Based on a £149,188 mortgage, secured by first charge on your main residential property, repaid on a repayment basis over a 30 year term: 36 monthly payments at a variable rate of 2.79%, (£612.21) £22,039.56. 324 monthly payments at standard variable rate (currently 4.99%), (£783.13) £253,734.12. Valuation fee on property of £157,040, payable when you apply £240 (scale applies). Telegraphic Transfer fee payable when you apply £25. Solicitors fees payable to your conveyancer (estimated) £360. Mortgage Discharge Fee payable at the end of your mortgage £150. Total Amount Payable £276,548.68

3.25% 3 Year Fixed Rate 95% 3.25% 4.99% 4.7% APRC
Shared Ownership – 3.69% Fixed Rate to 31 December 2024 95% 3.69% 4.99% 4.7% APRC
Shared Ownership – 3.59% Fixed Rate to 28 February 2023 95% 3.59% 4.99% 4.8% APRC
Shared Ownership – 3.19% Fixed Rate to 28 February 2022 95% 3.19% 4.99% 4.8% APRC
Shared Ownership – 2.79% Discounted Rate for Term 95% 2.79% n/a 2.9% APRC
3.39% Fixed Rate to 31 December 2024 95% 3.39% 4.99% 4.5% APRC
3 Year Discounted Rate 2.59% 90% 2.59% 4.99% 4.6% APRC £398
3 Year Discounted Rate 2.29% 85% 2.29% 4.99% 4.5% APRC £398
Offset Discounted Rate for Term 2.39% 75% 2.39% n/a 2.6% APRC £798
Standard Variable Rate for Term 4.99% 75% 4.99% n/a 5.2% APRC £398
Remortgage 3 Year Discounted Rate 2.19% 75% 2.19% 4.99% 4.2% APRC
Interest Only Over 55’s – 3 Year Discounted Rate 1.99% 75% 1.99% 4.99% 4.2% APRC
2.49% 3 Year Fixed Rate 75% 2.49% 4.99% 4.3% APRC
3 Year Discounted Rate 1.99% 75% 1.99% 4.99% 4.1% APRC
3 Year Discounted Rate 1.99% 75% 1.99% 4.99% 4.1% APRC
2.65% Fixed Rate to 31 December 2024 75% 2.65% 4.99% 4.0% APRC £398
Short Term Finance 4.99% for Term 60% 4.99 n/a 5.6% APRC £99
Mortgage Product Maximum Loan to Value Initial Rate Followed by our Standard Variable Rate The overall cost for comparison Product Fees Deposit amount
3 Year Discounted Rate 2.29% 85% 2.29% 4.99% 4.5% APRC £398

Based on a £131,092 mortgage, secured by first charge on your main residential property, repaid on a repayment basis over a 26 year term: 36 monthly payments at a variable rate of 2.29%, (£557.98) £20,087.28. 276 monthly payments at standard variable rate (currently 4.99%), (£729.56) £201,358.56. Valuation fee on property of £167,200, payable when you apply £240 (scale applies). Application fee payable when you apply £199. Completion fee payable at time of legal completion £199. Telegraphic Transfer fee payable when you apply £25. Solicitors fees payable to your conveyancer (estimated) £360. Mortgage Discharge Fee payable at the end of your mortgage £150. Total Amount Payable £222,618.84

3 Year Discounted Rate 2.59% 90% 2.59% 4.99% 4.6% APRC £398
3 Year Discounted Rate 2.79% 95% 2.79% 4.99% 4.6% APRC
3.25% 3 Year Fixed Rate 95% 3.25% 4.99% 4.7% APRC
Shared Ownership – 3.69% Fixed Rate to 31 December 2024 95% 3.69% 4.99% 4.7% APRC
Shared Ownership – 3.59% Fixed Rate to 28 February 2023 95% 3.59% 4.99% 4.8% APRC
Shared Ownership – 3.19% Fixed Rate to 28 February 2022 95% 3.19% 4.99% 4.8% APRC
3.39% Fixed Rate to 31 December 2024 95% 3.39% 4.99% 4.5% APRC
Mortgage Product Maximum Loan to Value Initial Rate Followed by our Standard Variable Rate The overall cost for comparison Product Fees Deposit amount
Short Term Finance 4.99% for Term 60% 4.99 n/a 5.6% APRC £99

Based on a £152,529 mortgage, secured by first charge on your main residential property, repaid on an interest only basis over a 5 year term: 60 monthly payments at standard variable rate of 4.99%, (£634.27) £38,056.20. Valuation fee on property of £409,000, payable when you apply £410 (scale applies). Application fee payable when you apply £99. Completion fee 1.5% of the loan amount payable at time of legal completion £2,288.00. Telegraphic Transfer fee payable when you apply £25. Solicitors fees payable to your conveyancer (estimated) £360. Mortgage Discharge Fee payable at the end of your mortgage £150. Loan amount payable at the end of your mortgage £152,529. Total Amount Payable £193,917.20

Offset Discounted Rate for Term 2.39% 75% 2.39% n/a 2.6% APRC £798
Standard Variable Rate for Term 4.99% 75% 4.99% n/a 5.2% APRC £398
Remortgage 3 Year Discounted Rate 2.19% 75% 2.19% 4.99% 4.2% APRC
Interest Only Over 55’s – 3 Year Discounted Rate 1.99% 75% 1.99% 4.99% 4.2% APRC
2.49% 3 Year Fixed Rate 75% 2.49% 4.99% 4.3% APRC
3 Year Discounted Rate 1.99% 75% 1.99% 4.99% 4.1% APRC
3 Year Discounted Rate 1.99% 75% 1.99% 4.99% 4.1% APRC
2.65% Fixed Rate to 31 December 2024 75% 2.65% 4.99% 4.0% APRC £398